BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX, Experian and XXXX six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to XXXX  that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, XXXX  refuses to honor and respect my medical condition and have these XXXX  balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You

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 2021-04-22
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to EXPERIAN on XX/XX/2020 and it has never been resolved or completed. They do not allow you to view details of the dispute or contact information to inquire regarding the status and amount of time it is taking to complete. At this point, it is well beyond an acceptable amount of time to complete the investigation into my dispute.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX 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 2018-11-01
Company: AMA Advisors, LLC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I recently refinanced my mortgage with XXXX XXXX XXXX and that decision has ruined my credit. My mortgage was refinanced in XX/XX/2018 and Homebridge reassigned the mortgage to XXXX. My mortgage shows on my credit report as paid off. The new loan does not appear. This is the only installment loan on my report, I paid off both of my car loans in XXXX of the same year. Therefore my credit mix is skewed and my points have dropped from XXXX to now XXXX. 
I have called both companies and requested that they report this loan and each just refers me to the other. No one cares about the impact this is having on my credit. 
At this point most of my credit lines have been reduced and other cards have been cancelled by my lenders. I am a co-signer for my elderly mothers apartment. She is entering into a new lease and I can not co-sign because my credit has been ruined by this company. They have such little regard for customers. 
I have never missed a payment in my life, have never filed for bankruptcy, no public collections. And here it is that my credit is being ruined because a loan that I have been paying on time for the last eight years is simply not being reported. 

None of these companies are doing anything about it despite contacting them numerous times. 

My hope was only to reduce my mortgage payments on my loan but this has turned into such a nightmare.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I sent a certified letter with 3 separate disputes however 1 of the disputes does not have an open dispute for these items. The dispute in question is for inquiries on my experian credit report. I sent a dispute with a number of inquiries in question and still have not seen a case open for the items in question. 

XXXX XXXX Last 4 of SSN XXXX DOB XX/XX/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 2019-06-18
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hurricane Harvey flooded the car out in XX/XX/XXXX, the insurance company considered car as " Total Loss '' in XXXX. The car was paid off with a balance owed of 1month, for deferred payment, and another part of {$160.00}. ( for putting the wrong part on car from previous accident ). 

After updating my history with KIA MOTORS, the account was still " opened '' on my report in " good standing '' as of XX/XX/XXXX. After requesting an update, they put my account as " Charge off '' and not paid since XXXX for over {$1800.00}. The insurance company sent a payout to KIA MOTORS on XX/XX/XXXX. 
This was a result of a NATIONAL DISASTER and i feel as though KIA MOTORS is taking advantage of a hardship that we all felt in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sun loan is the company my identity was stolen the placed a debt on my credit report its been 7 years Ive tried to resolve this and they still are trying to make me pay for something I didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
CASE XXXX. 

I was charged {$1200.00} for an unauthorized transaction ( Money Sent of XXXX EUROS ) in my account on XX/XX/XXXX. Same day, I reported the problem to PayPal and they came back quickly denying the case under the statement that : " After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection '', and closed the case with no more explanations.

I contacted them requesting to re-open the case and they denied it, based on that the operation was consistent with my payment history.

There's is nothing consistent about this transaction : 1- The amount, I mostly used PayPal in transactions under {$100.00}, this operation was over {$1200.00}. 
2- I normally use PayPal to pay merchants or for XXXX operations, this was a SENT MONEY transaction. 
3- This operation was in Euros, I only did US $ operations 4- I  never did any kind of operation with the recipient of this transaction Also, after this operation, there was a try to charge me another {$890.00} but my bank denied the operation, that should turn on a red flag. 

PayPal has no reason to think this is a normal/standard operation in my account ; actually, the should've detected the fraud, denied the operation and contact me. 

Due the Coronavirus situation, it's almost impossible to contact PayPal customer service by phone, and there's only one way to do it, using their Message Center, which I contacted in several occasions, always getting the same result, nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX- XXXX ) XXXX**** , XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX. XXXX-XXXX-XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**,  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX 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 2018-11-01
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This problem has occurred over 2years. First National Bank of Omaha charged me several overdraft fees. I contacted them about the problem over the phone and advised them a First National Bank in another state was sued over deceptive accounting practices they were utilizing and they in turn made changes to my account that I never authorized. They sent me a few letters that were very insulting. They took away my overdraft protection and put send items back against my wishes. I checked my online account almost daily. They would hold transactions for weeks and then post them all at once in any order in which they chose. They accused me of being the reason my account was overdrawn, but they would alter my records and make it nearly impossible to keep up. There were a couple of times I tried to close my account and they made excuses why I couldn't close my account and then went back on it later saying they never said that. I finally changed banks and have only overdrafted once. That tells me that I'm not the problem.

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 2019-06-18
Company: EQUIFAX, INC.
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ( Original Creditor : ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2018 Our RV was at a park where the electric was provided by XXXX XXXX. Towards the end of XX/XX/XXXX we contacted XXXX to shut the power off at the time I believe it was two days after we moved. They did not shut the power off instead a new tenant was using the electricity through XX/XX/XXXXand now Helvey & Assoc. are attempting to hold me at fault for their clients negligence. I unsuccessfully disputed twice with the bureaus because Helvey and Associates description of events held more weight than mine even though they were not a part of the negotiations at the time we moved. I contacted Helvey and Associates explained the dates that we moved, we had the name of the person that we spoke with at XXXX, and the date and time of the call. We were told they couldnt verify it. I submitted my bank account statement showing in the month of XX/XX/XXXX before the middle of XX/XX/2018 my address had already been changed. I provided a copy of my XXXX statement showing a charge of {$1.00} from I believe XX/XX/XXXX from USPS. I have gone above trying to prove my good standing and great llengtjs to try to have this resolved only to be told the collection remained. Regardless proof was shown that I did not live at that address and they could have simply contacted the facility to obtain my move out date. I went through all of this to prove my innocence why would I not call to deactivate my electricity when I was no longer living there? Thank you for taking an objective look and hopefully provide a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
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:
i pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: NC
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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
This is my second complaint. I am having my paycheck garnish at will from Americash loans. I have no idea on how to stop them. I have XXXX XXXX and unable to pay for my meds or rent this mount due to the back to back wage garnishment. I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous. XXXX XXXX XXXX NEVEDA please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for

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 2019-06-18
Company: Experian Information Solutions Inc.
State: NC
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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred XXXX XXXX XXXX, XXXX XXXX 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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 refuses to remove this inaccurate account ( XXXX # XXXX ) I have sent them all the documentation as to WHY this account is reporting inaccurate I dont have this problem with XXXX  they REMOVED this account and I sent them the same Documentation What makes TransUnion so special I would really like to know? I have attached PROOF of this account being removed from XXXX. XXXX no longer owns this account and its reporting on my TransUnion report as with Past Due balance which is a clear violation

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 2018-11-01
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: Investigation took more than 30 days

Complaint:
Transunion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, Ms. XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Transunion again went silent.

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 2018-08-21
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Phone number XXXX ( XXXX XXXX XXXX ) made following calls even though my number is registered in the 'do not call ' registry since XX/XX/XXXX. 3 of the 4 were robo calls and on one, a person asked to speak to XXXX. I informed the person that there was no XXXX. The robo calls started leaving voice messages stating that they had information related to 'my case '. I called the number and asked for them to remove the number from their list. They refused because I would not give them my name. 

Date Time Destination Number Call type Minutes XX/XX/XXXX XXXXXXXX XXXX XXXX 2 XX/XX/XXXX XXXX XXXX XXXX 1 XX/XX/XXXX XXXX XXXX  XXXX 1 XX/XX/XXXX XXXX XXXX INCOMING XXXX Off Peak 1

Company response to consumer: Closed with explanation