BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX .   XXXX   AND TRANUNION IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS..
  XXXX   XXXX   NOT SHOWING UP TO DATE STATUS AND BALANCE   XXXX   XXXX   CREDIT CARD. NOT CORRECT BALANCE   XXXX   XXXX    CREDIT CARD. NOT SHOWING CORRECT BALANCE  XXXX  CREDIT CARD,  XXXX ..NOT SHOWING CORRECT BALANCE   XXXX   XXXX   XXXX   XXXX   XXXX   PAIDED IN FULL   XXXX   XXXX   XXXX   ... PAIDED IN FULL   XXXX    CREDIT CARD.. INCORRECT BALANCE  XXXX  CREDIT CARD.. INCORRECT BALANCE..
  XXXX   XXXX   CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL  XXXX  REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION

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 2018-03-28
Company: Debt Recovery Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt for {$240.00} just hit my credit report and i have NO IDEA what it is for! it mentions a loan business that i used once in XXXX, Oregon about 4 years ago!!! if i owed them some money ( which i do not! ) i would be happy to pay it off ( If they called me! ). I received 0 phone calls, 0 emails, and 0 letters to attempt to collect any debt from myself! I have called the loan place i referred to " XXXX XXXX XXXX XXXX '' and after a search of all my data including SSN they say i do not owe anything. This says the original bill is from " XXXX XXXX XXXX '' which i have never heard of and can not find on XXXX. It says account opened on XX/XX/2018 AGAIN! i have no idea what this is! i am reporting FRAUD unless someone calls me and explains! they will not answer the phone number that is on the credit report! REMOVE FROM MY REPORT FOR FRAUD AS OF NOW! call me XXXX and prove the debt is mine and i will pay! if not i will fight this legally!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). Reported differently across the bureaus. I demand this to be removed right away because of its inaccuracies that is detrimental to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have notified Discover multiple time regarding this credit card they are charging me for I did not open it its not my signature and they still continue to put it on my credit report. I am a single mother in school full time and now my credit due to this is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In XX/XX/2020, I sold a cycling shoe to a buyer, in-person, through XXXX XXXX. The customer asked me to use PayPal. 
I sent buyer the link for payment by e-mail, this way he could pay using his credit card through PayPal. And he did it. Immediately the payment changed from OPEN to PAID, and then to PENDING - Processing time XXXX hours. 
The buyer picks the shoe up and left, since we both believed that in matters of time to complete the payment. 
Listed on Marketplace XXXX : XXXX : XXXX Paypal Transaction ID : XXXX A complaint was opened with Paypal last XX/XX/2020. 
Paypal replied back asking the buyer to confirm the receipt of the product. 
However there the customer does not have an option to add the information on his app side. 
The buyer tried to cancel the transaction to pay me in cash, but the credit card administration said the money was already taken by the merchant ( Paypal ). 
Paypal app/website still with the payment on " pending ''. 
No other option from Paypal was given to me to receive the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
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 submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my 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 2021-01-29
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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I have several accounts with USAA. One account is a joint account with my wife and my XXXX year old daughter, XXXX. On XX/XX/XXXX my daughter had less than {$4.00} in her account. Someone gained access to her account login information and password. The made a deposit from home with a {$1500.00} fake check and made a scribble for the signature. That day my wife, XXXX, checked the accounts and noticed fraudulent activity. The hackers tried to purchase two {$500.00} gift cards, the bank held {$500.00}. USAA denied the two {$500.00} charges, as well as about 10 smaller withdrawals. XXXX called USAA and notified them that there was suspicious activity and that the account needed to be frozen. On XX/XX/XXXX USAA paid out a {$1000.00} purchase for a gift card. We filed a fraud report, within a week we got a call saying that it wasn't a fraud. We spoke with another supervisory rep they looked and said it sure looked like fraud and reopened the claim. Yesterday we got a call saying that USAA confirmed that someone said that they authorized the charges, but were not sure if it was my daughter or the hacker. USAA is trying to say that because someone had access to my daughter 's account, then we will be liable for the fraudulent charges. They even stated that they realize that it looks like fraudulent charges, but that they will still make us pay the stolen money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: IL
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:
On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX 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 non-monetary relief
Consumer complaint received 2020-05-27
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company Inquiries 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 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I have sent a pay for deletion letter to the company on XX/XX/2020. Ive stated a request to fully pay the charge off amount in return to delete the account completely from my credit history. Until now, I have not received any letter or any response. I would like this resolved immediately as I am trying to build my credit score towards a home loan. 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 2020-12-23
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid the debt in full to 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 2019-11-13
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:
equifax, XXXX  and XXXX have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX**** Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I purchased a piece of exercise equipment in XX/XX/2019. The terms were 0 % APR for 36 months. My payment should have been {$67.00} per month. I received my first statement for this account and it showed a second charge for {$880.00}, which was on an 18 month deferred interest plan. The payment required was {$99.00}. I contacted the company to dispute this charge and was told that it was a " system glitch '' and that it would be corrected. When the next statement came ( because you can not view the APR information on their website ) it showed that the principal balance of {$880.00} had been refunded, but they refunded it against the 0 % APR for 36 month portion instead of the 18 month deferred interest portion as they should have. This 18 month deferred interest requires a minimum payment of {$25.00} and the 0 % APR for 36 months has its own minimum payment. I contacted the company again and they said it would be fixed. I spoke with supervisors, waited on hold, and spent hours on the phone with icon fitness and TD bank. They each blamed the other for the issue, promised it would be fixed, and never fixed it. I filed disputes through their website in XXXX and XXXX with no resolution. By XXXX another statement came showing it was still incorrect, so I filed a complaint with the XXXX XXXX XXXX. 

Through the XXXX XXXX XXXX XXXX TD Bank promised to correct the error and reassured that my next statement would be correct. XXXX was still incorrect. I updated the complaint and they 'escalated ' it and it really would be correct by my next statement. I just received the statement for XXXX 's payment and it is still incorrect. Now, instead of one balance at 36 months deferred interest, I have two balances. This is keeping my payment inflated by {$25.00} per month. When I purchased the equipment I agreed to {$67.00} per month. By this time, they have been overcharging me for 7 months and seem incapable of making a resolution. I have updated the complaint with the XXXX XXXX XXXX, filed a complaint through my credit report and now with CFPB. This has been the most frustrating experience I have ever had to deal with from a professional company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: Atlas Credit Company, 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:
Atlas Credit Company is a predatory lender. I opened an account with them on XX/XX/XXXX. I then paid the account in full XX/XX/XXXX. They reported to Transunion I had filed a bankruptcy. I never filed a bankruptcy. I also paid the account in full. They refuse to remove the information from my account. I disputed the account multiple times and they refuse to acknowledge their error. 

I was unaware of this until I pulled my annual credit report. Both XXXX and XXXX  do not have this information listed. This lender is purposefully attempting to damage my credit. I believe they should be held accountable for inaccurate information. They continue to damage my credit and countless others. They are predatory lenders and should be held accountable. 

Atlas Credit Company XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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:
XXXX XXXX XXXX  is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX  AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX  XXXX XXXX CARD OR ACCOUNT NEVER MADE ANY CHARGES ON A XXXX  XXXX  CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XXXX first 2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.

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 2019-09-27
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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: Account information incorrect

Complaint:
To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " XXXX XXXX XXXX ''.

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and XXXX XXXX XXXX within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.

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 2019-09-27
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:
ENCLOSED IS A COPY OF MY CORRESPONDENCE SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTION 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE INACCURATE ITEMS BEING REPORTED I AM PROVIDING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My complaint is against AT & T Universal Card ( AT & T ). I filed a complaint with the XXXX XXXX XXXX and AT & T Universal Card has not responded. The credit card company states that they apply payments first to the balance with the higher interest rate. I had two balance transfer offers.

1. Approximately {$22000.00} at 1.99 % that ends in XXXX of 2021. 
2. Approximately {$3000.00} at .99 % that ends in XXXX of 2021. 

Illegal action : 1. It appears from analysis that AT & T is applying a portion of the {$330.00} payment to cover the interest on the larger balance at the higher rate. 
2. The rest of the payment goes to lower the balance for the lower interest rate balance transfer with the longest remaining time. 

The minimum payment for the account is approximately {$330.00}. 

This is a disadvantage to me in that I am charged a higher rate for a longer time and the loan with the longest life is being reduced first. 

I believe this is is against the company 's stated policy and does not meet current credit card practice.

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