BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$2000.00} ; XXXX XXXX Balance {$4500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I asked for a remittance transfer Sent in a completed remittance to the company and they have not gotten in touch with me about the discharge of the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Company failed to notate dispute within 5 business days. failed to delete the inaccurate / unverified accounts. failed to maintain maximum possible accuracy. failed to exercise their grave responsibilities with fairness, impartiality, and a respect to my right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a brokerage account with Robinhood. I bought shares of XXXX, bought and sold a few more ( $ XXXX, $ XXXX, ) then they flag my account as a frequent day trader. Now I can't trade any more until I get a {$25000.00} balance? Even if that was in the terms of use, that seems like something to warn more than once. Either way, fine. The problem comes in when I had a little over {$2000.00} come into my account from my usual checking account that I had intended to invest up to that point, but no longer wanted to and still had in cash. The initial deposit was {$3000.00} and it came to a bit over {$2000.00} in available cash since my account was negative at the time ( long story ). I try to take it out since I don't intend to add {$25000.00} to this account, and they disable withdrawals on my account. What? They should not be able to do that. I submit a ticket about releasing my withdrawal immediately and they say they'll get back to me in 1-2 days. 1-2 days later they say it's going to take a bit longer and that was over a week ago. Multiple prompts to me with no response. This is concerning, and I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a mortgage account with XXXX XXXX which was delinquent as of XX/XX/XXXX, and never again brought current. XXXX XXXX reported the account as derogatory for years. Now that the 7-year reporting period has expired, they are reporting the account as closed as of XX/XX/XXXX, with an exceptional payment history. This is a lie, as the delinquent account was sold to XXXX XXXX XXXX, and once I defaulted on the mortgage, I never gave XXXX XXXX another penny. XXXX XXXX is deliberately and fraudulently reporting the account with an exceptional payment history in order to justify it remaining on my Experian credit report until XXXX. 

I filed a dispute with Experian, and the only change made by XXXX XXXX was the closure date ; it was changed from XX/XX/XXXX to XX/XX/XXXX. I have received no remedy or relief. I want this account removed from my credit report ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have a home mortgage with XXXX XXXX bank, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX XXXX. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around XXXX XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX submitting this CFPB complaint requesting that the Crediet Bureaus remove the disputed fraudulent items removed from my Creditt Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX NV XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX Credit / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I don't have all the dates, but I have received a student loan from sallie Mae which then turned into The Department of Navient. Also I was making payments and when the total was not being decreased also a representative explained that I should apply for forbearance, what I did not know is that this was making matters worst because this was adding on more debt it was like I was starting the loan all over again. Also I noticed that the department of Navient is on my credit report twice. .They call me also email me telling me that I should reapply for another forbearance loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Paypal Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase using my Paypal debit card on XX/XX/2019 for {$120.00} from XXXX  XXXX. I realized I made a mistake and contacted XXXX  XXXX   and cancelled my order on XX/XX/XXXX. XXXX XXXX  claims they cancelled the order on XX/XX/XXXX. XXXX  XXXX shows the order cancelled. Paypal is still holding the money claiming that the sale is still " pending ''. They will not allow me to make a dispute. In their system online it clearly states that Paypal NOT XXXX XXXX is holding my money because of the '' pending '' transaction. XXXX   XXXX even sent me an email showing that entire order is cancelled but Paypal still will not release my money. I have spent over 8 hours on the phone with Paypal with neither help nor resolution during the course of 3 days. The second time yesterday I was told I would receive a confirmation email from Paypal that they were trying to directly contact XXXX XXXX  to make them submit the " correct '' cancellation so it could be resolved and neither I nor XXXX XXXX   were contacted or received an email.. My money is being kept for no reason with absolutely no form of resolution being made available to me by Paypal who is clearly the entity holding the {$120.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In 2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a XXXX and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report from XXXX, XXXX  and XXXX XXXX and an unauthorized entry from NATIONAL CREDIT SYSTEM. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2020. NATIONAL CREDIT SYSTEM has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

In XX/XX/XXXX, this account was stated as being late. XXXX XXXX {$9500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Notice, I have been on time with all my other payments and at the time my account was on auto pay. This was clearly an error on behalf of chase to deem this account as late. It is affecting my credit worthiness and has put me in a state of distress as Im trying to purchase a home and the lender is stating that this late payment is hindering me from reaching my financial goal and credit worthiness for the home that Im seeking to purchase. 

If you would as to be so kind to revise my account and remove late payment from XX/XX/XXXX I would be most grateful.. Ive sent letters and even spoken with a representative stating my claim on XX/XX/XXXX and mailed certified letter on XX/XX/XXXX. After speaking with the chase representative m, she agreed that the late payment may have been caused by an error on their end and that they would look into. It is now XXXX and the late payment still remains. 

Please consider my stellar payment history as a form of my integrity in this matter.. Thank you. 



XXXX XXXX {$9500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/XXXX I submitted a letter to Midland Credit Management at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to verify a debt they were attempting to collect. I received a letter back from them in XX/XX/XXXX stating that they did not have enough information to verify the debt and that they would remove the information from my credit file and would no longer contact me.
In XX/XX/XXXX I received another demand letter for payment, on the EXACT same account they verified they would close. I called XXXX and spoke with a XXXX XXXX, an office manager, today XX/XX/XXXX who informed that the account should have been closed. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
When I obtained a copy of my credit report I noticed that Equifax had my date of birth incorrect. When disputing a few accounts I had asked that it be corrected to show my true birth year which is XXXX. 

To dispute information they require proof of your date of birth which I had included my driver 's license which is an approved document as per their website. This has been going on since last year and they have yet to correct it. Something as easy as a date of birth with documentation they can not even corrected? What does this say about everything they report? I have attached the driver 's license that was also submitted with all my correspondence to them as per their guidelines. They even stated on one of their response to submit a copy of the driver 's license or birth certificate which actually was included in the initial request. That too has been attached. 

Please keep in mind that they would not even respond to a dispute if the proper documentation was not provided and the attachment shows they did respond meaning they had the documentation they required!!! 

If someone did not input my birth correctly at any point then it should have been up to Equifax to question it then because I know my date of birth and would never have put a different year.

Company response to consumer: Closed with explanation