BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: Credit Karma, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i went and see my credit report online on Credit Karma and I 've seen a lot of bank accounts that someone use my social number and open them. I just need all of them to remove from my life. I can list all of them for you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is all the accounts that i have never regonize. i really need them to dispute from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions 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:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2020-06-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I used the Venmo App to send money to my family in XXXX XXXX to help them during COVID. I sent {$100.00} and it was debited from my bank account but it was never deposited into my family 's debit checking account. Venmo claims that it was sent to an active Venmo account, but my family did not receive the funds to their checking account. Their checking account was verified by depositing XXXX and XXXX into their checking then it was withdrawn but the {$100.00} was never deposited. Both of us contacted Venmo and our banks and no one has resolved the issue. It has been about a month. How do I as the sender get my money back OR make sure that the recipient receives the {$100.00}. I have contacted lawyers and Senator. I was led to also reach out to you. 

I appreciate your time in looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: DISCOVER BANK
State: OK
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:
A fraudulent account is being listed on my credit reports from Discover Bank. 
Account Number XXXX. I never had this account and after numerous attemps of disputing the item, The Discover Card Company is refusing to remove the account. I have filed police reports about the identity theft and filed a complaint with the FederalTrade Commission but the XXXX  and XXXX  Companies are refusing to remove the fraudulent account stating the account is verified from the Data furnisher from The Discover Bank. I wrote Discover Bank for validation of the account and they refuse to send anything stating that this account can not be found. I want the credit reporting agencies to remove the fraudulent account or list it as a fraudulent account. 
Discover Bank XXXX XXXX XXXX XXXX, DE XXXX. Is the address that XXXX  says the data is being reported from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a mortgage for 12 years with Mr. Cooper Mortgage. My current balance is about {$290000.00} due to added fees from a previous modification, which locked my interest rates very high. I have tried to refinance but the property is underwater - {$240000.00}. So I applied for another modification, such as HARP to lower the interest rates but I have been denied. My current interest rates are nearly double the current rates. I am undergoing financial distress but I don't want to default. Please assist me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are 2 late payments on our credit for XX/XX/19 and XX/XX/19. This lates occurred due to us being over seas and payment not getting to bank in time. We are now back and currently trying to sell our current home due to covid we are making less money and our trying to sell this home so we can purchase a smaller home that we can afford. With these lates on our report we cant close on a new home which will make us homeless if we cant get these lates removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: VA
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 appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6300.00} ; XXXX XXXX  XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$810.00}

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 2020-06-24
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-09-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX shows charged off in 2018 on my three credit reports. After the charge off XXXX XXXX shows account open and late payments on the same account. I have disputed due inaccurate information with all three credit bureaus. The bureaus refuse to remove the inaccurate information and XXXX  XXXX  refuses to remove inaccurate information for years now. This is affecting my credit score for years now. This is against the Fair credit reporting act. This company is knowingly keeping false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since Navient became the service company for some Sallie Mae loans, I have had nothing but wrongful handling of my loans. Over the last few years, I have been told I no longer qualify for forbearance or in-school deferment on any sort. I did qualify for a hardship 1 % interest rate reduction program that I was told depends on my financial statement and income driven. The last two times I agreed to the program, I was paying 1 % of interest only, which was $ XXXX/mo. and today I reapplied was suddenly was given a 2.75 % rate for the same program, leaving me with $ XXXX/mo., which I explained I will have no way of paying. I tried to ask for some understanding that those loans were signed 16 years ago and that this payment is absolutely insane even at their suggested reduced rate. I was only told that I should have understood terms and conditions of those loans as a responsible adult. 

I spoke to a supervisor, then manager and was denied a document that explains how their system calculates the new 2.75 % rate reduction rate and was told it is NOT income driven but merely a courtesy program for those in hardship. Neither the supervisor nor the manage were able to further explain why I no longer qualify for the 1 % interest payment. I was quickly reminded of my large sum obligation and told the next step would be to remind my co-signers of their obligation as well. 

I asked for a written explanation of the program and was denied the request, again being reminded of my debt. 

My first complaint is that there is no explanation of changes to the rate reduction program and refused a written document. My second complaint is that the terms I agreed to over the phone recording always state that the rate reduction payment does not rid any additional interest accrued, making it very clear that any interest I would have paid with a pull interest only payment, would be added to the total balance of the entire loan regardless. I understand that the reduction plan of 2.75 % /mo. only keeps me from being delinquent, but does not actually narrow any of the original interest built and piles additional interest on top of the original interest to the total sum of the loan. But why, they can not explain, just say that " this is a courtesy plan and interest is stackable, which you agreed to ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed this account on numerous occasions with Transunion, XXXX, & the Creditor ( XXXX XXXX ). Neither company are properly responding to the dispute and this is my final resort before seeking legal action. 
The account is being reported as a Repossession Inaccurately between Transunion & XXXX. 
To my understanding the FCRA states that the CRA must correct or remove inaccurate, incomplete or unverifiable information in their files. CRA 's must remove obsolete information in their files. Which has not been done. 
The following inaccuracies are being reported on Transunion vs XXXX which are reporting differently : Transunion reports a high balance of {$12000.00} vs XXXX reports a high balance of {$10000.00} Transunion reports a date of last activity/payment of XX/XX/XXXX vs XXXX reports a date of last activity/payment of XX/XX/XXXX ( In reference to Transunion inaccurate reporting the car was repossessed in XX/XX/XXXX so how is the last day of payment after that date for a vehicle that was no longer in my possession ) Transunion reports a Payments status as " Unknown '' vs XXXX reporting a Payment status of Collection/Charge off.

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 2018-10-24
Company: Experian Information Solutions 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:
This " reporting agency '' does not do what is in the best interests of the consumer. XXXX XXXX did 3 hard inquiries that were unauthorized. I reported this immediately to all three credit bureaus, the Attorney general and the FTC. I even had to file a complaint against this scam company to the CFPB ( Complaint ID : XXXX-XXXX ). Nevertheless, they will not remove these hard inquiries from my credit report citing that people are allowed to pull inquiries whether its authorized or not specifically authorized. If this is the case, then these inquiries should not affect a persons credit score and reflect negatively on a credit report. When I call the credit bureaus, they do not remedy the problems. When I write the credit bureaus, they do not remedy the problems. Who has the best interests of the consumer? I did not authorize the hard inquiries from this scam broker and if the credit bureaus had investigated my complaint like they said they did, there would be NO evidence to support their inquiry into my credit and the inquiries would had to have been removed. A quick XXXX search will show how crooked and shady this person is. XXXX XXXX of XXXX XXXX XXXX was not authorized to pull any inquiries on my behalf. He has refused to respond to the CFPB, FTC, and Attorney General regarding my complaints against him and his company. Why do the credit bureaus continue to mislead consumers with regards to their investigative practices? They never investigate anything until an official complaint is launched against them.

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 2020-06-24
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX XXXX XXXX. I am writing this letter to advise the credit bureaus that there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore I ask that these accounts be DELETED and updated in order to correct my credit file and protect my consumer reputation. I am a victim of identity theft and did not make the inquiries. I reported the theft of my identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade commission identity theft affidavit. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days blocked. This information has been causing me to be denied by credit companies and loans. I ask that per FCRA and FTC laws and regulations the inquiries and information listed in this report immediately be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Applied Data Finance, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened the account in XX/XX/2019. I never missed a payment as they withdrew from my checking account. I paid the account in full on XXXX XXXX. As of XXXX XXXX the account still states I owe {$970.00}. Personify has not reported accurately ( every 30 days ) according to XXXX. I have disputed this through XXXX  3 times and I am still getting the same results. In the process of disputing with XXXX, I also contacted Personify on several occasions ( speaking with management ) asking why this has not yet been reported. They explain that the information has been submitted to XXXX  correctly and in a timely manner. Personify also stated I need to contact Transunion as they are not reporting correctly. As of XXXX XXXX I contacted both companies to see if any changes have been made. The results are still the same. Still showing I owe {$970.00}. I only received a loan for {$1000.00}. The difference is {$78.00}. So when other creditors look at my credit report, it shows I have only paid {$78.00} since XXXX of XXXX. That is 8 months ago. I have exhausted all my options. I have contacted XXXX  filed 3 disputes, I have contacted Personify Financial to many times to count and still the same results. I value good credit and pay my bills on time. This is very stressful knowing its paid on time, paid in full way in advance and hoping to raise credit score. As a consumer, I should not have to go this extreme when I agreed to my obligations and kept my obligation!! I bet if I would have ever been late or not paid I bet that would have been reported!! Thank you, please help this is my last resort!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax has a freeze on my report which I have asked repeatedly to unlock my report. I did not request one be placed so why did they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a copy of my credit report and noticed Elan Financial Services reporting negative. I have no idea who they are so I looked them up on Texas Secretary of State website and found out the company is NOT bonded or licensed to collect in the state of Texas and they are in violation of FCRA reporting rules. ( See attached ) Secondly when I called the agency and gave them the account number my social did n't match what they had on file so I was unable to discuss the what 's but moreso why 's of why this account is reporting on my credit report. Prior to reporting I never received any correspondence about this alleged debt from Elan Financial Services. I sent a vertification letter with no response.

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 2017-06-21
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I processed a deposit of {$890.00} on XXXX XXXX before the cut off time. It was to show on Monday, XXXX XXXX, but it did not, and it ended up giving me a negative balance. I called the bank to tell them about this and was told they would check into it with my branch, as well as ask that there be no overdrafts fees. I checked this morning, XXXX XXXX, and there were XXXX overdraft fees totaling {$74.00}, and, after calling my bank again, there was no record of my precious call. They were to call me back as to whether they would refund the charges and they never called back. My other complaint is that I use XXXX app and the app has tried, repeatedly, to get updated information about bank balance from my bank and they have not been able to. I use this app as a way to help to balance my budget and with the protection they provide, I could have received an overdraft protection of {$100.00}, but because they could not confirm the information, my account was overdrawn.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief