BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: FL
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 am speaking to XXXX XXXX EQUIFAX, XXXX, AND XXXX! 
For almost four months now I have been fighting inaccurate scores based on XXXX XXXX careless actions and i'm XXXX sick of this. This battle has taken a tremendous toll on my health and financial well-being! I am submitting two separate complaints as there are two issues that has occurred relating to the same but I NEED TO BE CLEAR BECAUSE THIS HAS GONE ON LONG ENOUGH!!!!! 

IN XXXX, XXXX submitted a code to EQUIFAX, XXXX, and XXXX to update a remark after a Federal Disaster ended. I found out yesterday that the code they submitted to you " XXXX '' is the same code they submit when a loan holder 's account is in a current loan modification status. MY ACCOUNT IS CURRENT!!!! MY Loan Modification was in XXXX! Where is the common sense in using the same code for people in a current Loan Modification status and someone whose account is current, but needs remarks updated about a previous loan modification status? There is no sense in that! 

It all comes down to the code that XXXX submitted in XXXX that started all of this! EQUIFAX, XXXX, AND XXXX have still not recovered my scores they way they were before XXXX submitted that code in XXXX! I initially lost 54 points from Equifax, 41 from XXXX, and 34-41 points from XXXX. MY ACCOUNT IS CURRENT AND HAS BEEN FOR THE LAST THREE YEARS!!! There are no words to describe how hellish this nightmare has been since XXXX submitted that code in XXXX XXXX. A code that was simply to update a remarks however put my credit score in a devastating tail spin that has prevented me from getting the best insurance rate and the best rate after my promotional interest rate expired on my HELOC. Most importantly XXXX XXXX, EQUIFAX, XXXX, AND XXXX you took away my peace of mind and all of the hard work I've put into building a credit score that I was very proud of. 

I now have an attorney as this was too much for me to endure alone. XXXX, EQUIFAX, XXXX AND XXXX have violated my rights as a consumer under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: United National Services
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-07
Company: Bread Financial Holdings, Inc.
State: PA
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:
Already talk to company and told they have information I paid off the account. They told me that company did not report as hard inquire and only stated account was closed. Company was aware I closed account myself. 

This problem had occurred with two other credit card accounts all the same situation and issue as well. This issue consist of closing all the same day as well ( XXXX, XXXX, and XXXX XXXX ) after paying off weeks before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 they sent me information that was not ask for i ask for agreement saying i have obligation to pay any debt and teems and conditions of any agreement and a verified true accounting of debt saying XXXX XXXX owe. I want them to remove this negative information from my credit report. And stop trying to harass me for any debt i don't owe and if so send me agreement or contract binding me. The company account resolution service should not report me to any credit bureau if we don't have any agreement. This harming my profile.

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 2020-07-02
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent out debt validation letters to XXXX, XXXX, LEXIS NEXIS and XXXX requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, XXXX  and XXXX uses LEXIS NEXIS to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my LEXIS NEXIS file has been frozen since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Diversified Consultants, Inc.
State: TN
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:
Diversified Consultants Inc. is reporting a account to all 3 major credit bureaus that is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter or ANY other communication from this company before attempting to start collection practices. I was never contacted before credit reporting. I have contacted my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Diversified Consultants VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have sent my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 do not have a contract with XXXX XXXX XXXX XXXX. They are furnishing false and inaccurate data to the Transunion, and XXXX. My dispute with XXXX on XX/XX/, 2018 resulted in the inaccurate, false reported information by XXXX XXXX XXXX XXXX being removed. However its still is being reported at XXXX and Transunion.

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 2018-12-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a letter from Citibank stating my personal credit card account has been closed as of XX/XX/XXXX. I have been a Citibank credit card account holder since XX/XX/XXXX with an excellent payment history. My account was current and in good standing. They also recently sent me a letter asking if I'd like my credit limit increased. When I went inside my branch in XXXX XXXX, CA, they offered me no explanation. As instructed in Citibank 's letter, I mailed a letter to them at the address they provided in the letter demanding a reason for the account closure. As of today 's date, XX/XX/XXXX, I have not gotten a written response from them. They are past the required 30-day timeframe the law states they must respond. I feel I have been unfairly discriminated against. I have a perfect payment history. I would like to sue them for violating my right to fair credit.

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 2018-12-19
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Information that I have a current derogrtory account was falsely furnished to Citi, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.

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 2020-07-02
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: Information belongs to someone else

Complaint:
I'm writing to correct my personal information on file with your company. After reviewing my credit report I found out address where I have never lived before. Please see remove this address as soon as possible from my credit report. 

My true personal information ; Full address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Full name : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1963 I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 

Fraud Address in my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove this address as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper was blocking the sale of my home and has now created a cloud upon my title and I am about to lose the second buyer who has submitted a contract to purchase my home. 
There is no justifying the alleged assignment of a full paid account. 
I have provided Mr. Cooper who claims to acquired their right to service from SETERUS Inc. Seterus Inc waXXXX shut down by Conference of State Bank Supervisors . 
I have provided to Mr. Cooper multiple times the supporting documentation to show 0.00 remains on the Deed they have erroneously assigned and is causing this undue hardship on me and my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: TX
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 recently submitted letters to Experian for investigation of items on my credit report in which within 3 days the agency stated that all the items disputed were accurate. I asked how were items verified and received no documentation or an explanation from debt collectors or Experian. On XX/XX/XXXX, I contact Experian and disputed inaccurate items once more and today all the items came back verified except one. There are incorrect balances and duplicate accounts on my credit. When I dispute items they are reaged as well so they will stay on my credit longer. For instance XXXX XXXX has been on my credit report as closed and paid in full since XXXX why hasn't it been removed?

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 2018-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Opened a Brokerage+ Checking account with XXXX XXXX as my employer uses this broker for equity awards. I see two hard credit pulls on my credit report to open this one account. I didn't authorize the second credit pull. On contacting the customer verification team, I was told that the second pull was a mistake and that a request has been forwarded to the team 's manager to look into it/fix it. The turnaround time promised was 7 days. It has been almost two weeks and there have been no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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:
Transunion, XXXX, XXXX Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 do not have a contract with XXXX XXXX XXXX ( XXXX ) .They are furnishing false and inaccurate data to Transunion . My dispute with XXXX on XX/XX/, 2020 resulted in the inaccurate, false reported information by deleted and removed from.my report.. However its still is being reported at Transunion.

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 2020-08-21
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: Their investigation did not fix an error on your report

Complaint:
XXXX  is incorrectly reporting a paid collection account on my credit report for XXXX or XXXX XXXX  XXXX, a utility company. I have asked them to investigate this and they have failed to investigate this numerous times, and recently reported the same account twice on my credit report causing even more credit damage. This is unbelievable and I am beyond frustrated at there complete disregard of maintain accurate records. This XXXX   account is highly disputed and under litigation - I am currently suing XXXX XXXX   XXXX for this, and now XXXX  has decided to report the same account TWICE??? 
I am adding a copy of my credit report to show XXXX  reporting this same account twice. I demand a full removal of both of these tradelines.

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 2021-06-08
Company: BBVA FINANCIAL CORPORATION
State: CA
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:
You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
I informed AMERICAN HONDA FINANCE before that this account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. They didnt investigate! And where is my proof of payment history? They have to go back and take this off!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2020 I settled with XXXX XXXX XXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus Trans Union   XXXX   and XXXX. On XX/XX/2020 Trans Union updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my Trans Union score on this date they reported my XXXX XXXX account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted Trans Union and XXXX XXXX XXXX. XXXX XXXX financial advises they reported the correct information and that Trans Union made a mistake. Trans Union has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on Trans  Union my scores would of not been effected!!!!! 

After contacting XXXX XXXX and they sent official documents showing they never reported to Trans Union the increased balance I feel like Trans Union system is reporting inaccurate balances on my credit report. This has happen again today on XXXX I paid XXXX on XX/XX/XXXX and my balance reflected XXXX as of XX/XX/XXXX. Today my balance went back to the old information of XXXX causing my credit report to decrease and impact my credit score once again. This is impacting my score negative every time I pay it and I need this to cease immediately or removed this account front my credit report.

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 2018-06-22
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am complaining about XXXX XXXX for HARASSMENT! 

My husband and I are both cosigners for our sons Smart Option Student Loans to XXXX XXXX. 

In XX/XX/XXXX through XX/XX/XXXX, we cosigned for our son for the Smart Option Student Loan, which consists of six loans. My son has been paying these loans holistically since he first received his pay check in XX/XX/XXXX from his job at the hospital as a nurse and up-to this-time. As a matter of fact, all of these loans have been applied for auto-pay. 

Since XX/XX/XXXX, weve been receiving non-stop emails, letters from the mail and phone calls. We received phone calls constantly almost every day, some of these calls are not showing the phone numbers on our phone screen. Sometimes, it shows restricted or unavailable or private. We can only recognize who called us when we listen to the voice mail. When we called the number that was provided on the voicemail, we often waited to get a human being to answer our calls, sometimes we got lucky if we were answered within 45-minute wait, after we discussed what we were calling for the person said, " your payments are up-to-date. '' Another occasion that I would think it was an harassment was : XXXX XXXX Representative, XXXX is the name he gave me called my work phone at around XXXX. ( On one occasion, they collected three times from my sons bank account and they were apologetic because of their mistake and they returned the access amount to his bank. ) Another that I believe that it is an Harassment was their electronic mail. The email says, Your XXXX XXXX student loan ( s ) requires your attention. Log in to XXXX to review your account information. Signed by XXXX XXXX - XXXX XXXX Soon as I clicked on the link, it's an offer for another loan ( This is misleading people like us to open the email. ) Another instances was The letter from the mail. The letter says, Late payments may result in your XXXX XXXX loan/s being reported to the consumer reporting agencies as delinquent. Negative information on a credit report may adversely affect your credit rating. Its important to know that delinquency can stay on your credit report for up to seven years.

This is too much! Not only are they harassing us but also threatening us. Those statements really are very stressful!

I am hoping that you would help us to STOP them harassing/threatening/stressing us. We want them to STOP calling/ emailing/ sending letters in the mails with deceiving/threatening statements. We do not need them to bother us. My son 's payments have been enrolled for auto-pay.

Thank you in advance for your time and assistance. I highly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation