BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-27
Company: Experian Information Solutions Inc.
State: HI
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:
I have disputed the late payments on this XXXX XXXX account 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and Trans Union regards inquires that are reporting to my credit report that occurred before I became XXXX years old. I turned XXXX on XX/XX/XXXX. XXXX  stated that I was born in XXXX, therefore I submitted DL, birth certificate to validate my dispute. Upon receipts on documents they stated that they could remove the inquires I did understand because I was told by a agent that they will be removed. Ive reached to companies listed below, there unable to locate An application with my name on it. They stated they would forward documents over to credit agency and I. I have not receive documents nor have inquires 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 non-monetary relief
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: UT
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:
My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in 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 2019-06-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Received notice from an existing credit card company that they were increasing my interest rate based on an experian credit report. 
I attempted to file a online complaint with experian provided ID information including social security number without which no information was forthcoming. experian claimed divulging my social security number was mandatory. 
After providing the information experian would not provide a copy of my report or credit score but offered me my selection of sixty two new credit cards from different banks, etc. 
They also made a major marketing effort to sell me services such as credit watch etc. 
It is obvious that experion is attempting to scare consumers into purchasing their financial services. A scam! The CFPB and other regulatory agencies or any curious person should visit the experian website and see for themselves.

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 2018-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Starting in XX/XX/2018 I have received a reoccurring charge from XXXX on my USAA credit card. I have tried every month to dispute the charge and ask to not allow the charge to continue. To this date I am still being charged. I cancelled the first card received a new card and USAA has continued to allow the disputed charge. No matter how many letters I send I can not get USAA to cancel the monthly charge. This has gone on for 7 months with no positive outcome. I have been charged XXXX monthly for a XXXX account I do not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2018-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX v. XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan Care - new servicer of mortgage.
Does not respond to emails, all phone lines have been disconnected or are always busy. Unable to log-in into my account online ( which previously worked ) in order to ensure my payments are being properly processed.

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 2021-03-28
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: Account status incorrect

Complaint:
Equifax has not updated my credit score this month and is reporting my credit utilization on my credit cards incorrectly. My credit card company confirmed that they report on the XXXX of every month and they have yet to report this 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 2019-06-16
Company: EQUIFAX, INC.
State: KY
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:
My housing lender had told me to establish some credit that I can get my husband to put me on his credit card as an authorized user and he did so and it boosted my score on both XXXX and Equifax but then a month or so later my Equifax score was 0 called and they said they couldn't identify my identity so I sent them what they asked for then I asked about my report they said I had no establishing credit or score but yet I had already gotten pre approved for a home loan using both XXXX and Equifax now they said that they never had a report on me when I logged onto XXXX XXXX it shows when they had a score for me I called and tried to get it fixed they wouldn't so now I'm stuck without getting a home that me and my husband has been waiting forever to get now so I wanted this issues fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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:
I SUBMITTED MY DISPUTE BACK IN XXXX OF XX/XX/XXXX AND IT IS NOW XXXX AND EQUIFAX HAS NOT UPDATED MY REQUEST. THIS IS A PROBLEM BECAUSE I HAVE BEEN WAITING FOR 3 MONTHS FOR MY RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in 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 2019-06-16
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX a company I never heard of under confusing multiple names ( Halsted, XXXX XXXX XXXX ) that I do not owe but they claim they took over as I do not owe them anything indicated they are XXXX XXXX XXXX XXXXXXXX XXXX. WHile they threatened me that they will take legal action, damage my credit report. They also indicated I had to make a minimum of over XXXX on both acts as I informed them I wasnt working and in a hardship, they continued to move payments down to {$10.00} a month. I had no idea I could dispute the accounts until last month. They said I am required to provide my routing number and act number including my bank card number or they will pursue action. I provided this info to them as I was very afraid and felt threatened. First Payments were set up to take two {$10.00} payments ( XXXX and XXXX ) on XX/XX/19. I uploaded copy of the terms showing XXXX pmts set up and email, However instead they took {$19.00} on XXXXI did not authorize either payment. I called Halstead the day of and spoke with a male, XXXX accent, could barely understand what he was saying. He did say that I will be charged a ten dollar fee every month which was included in the payments, I said how dare you, you have no right nor did I authorize this. He hung up on me. I also sent a letter disputing both acts on XXXX XXXX, this company continued to take funds from my act,. I was charged overdraft fees, see proof for 2 months as to date. The refuse to leave my account alone. They have no right. I have been charged over XXXX in od fees as they refuse to cooperate and doing nothing but jeopardized my checking act where other transactions are not go through. I informed XXXX XXXX that these are illegal unauthorized transactions. First of all I never agreed to pay this company and extra XXXX fee for monthly payments so they can get rich. I have disputed both acts and the balance on these acts are false and nothing but a scam. They refused to provide me a copy of the agreements with XXXX and XXXX XXXX, refused to show my signature along with the bond showing they have the right to collect. They have caused me stress and issues with my checking and other acts by their lies and scam. They owe me over XXXX in od fess as to date.as Im tired of the threats and going into my act every month to take unauthorized funds. Not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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:
There are two accounts on my credit report and multiple inquiries that are showing up that do not belong to me I dont know how many letters I have to write and how many phone calls I have to make to state that I did not open these accounts they are no way linked to me I dont know why they are on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/21 I received a judgement letter in the mail from Synchrony Bank for XXXX. Upon inspection, I realized this was a fraudulent account that someone opened in my name without me being aware. I immediately began the process of reporting identity theft and fraud with the three major credit bureaus, synchrony bank, and my insurance company. I also made a police 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 non-monetary relief
Consumer complaint received 2018-10-27
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, Mariner Finance initiated a " hard '' pull of my credit history ( on XXXX ) without my verbal or written consent. I was notified of this via a credit monitoring service. I'm currently behind on payments with Mariner Finance and have initiated a complaint regarding their aggressive and bullying collections efforts.

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: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the refinance process on 2 of my properties with 5/3 bank at the end of XX/XX/2020. I contacted them approximately 2-3 weeks after I submitted the paperwork and was given the run around. The mortgage official would not return emails or phone calls. Once I received a response I was told it would take 30-60 days. It quickly changed to 60-90 days. I am a few days away from the 90th day and I still have not closed and do not have a close date. This program was under their easy refinance program. If I start the process with another mortgage company I will be charged the appraisal and other fees from 5/3 bank. I have co workers that have purchased and refinanced homes starting in XXXX with less than a 30 day close with other financial institutions. My credit is north of XXXX and I make XXXX per year. Will you please look into this for me? 
Thx

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX just called me and said their 3rd party to this so info is incorrect and should be deleted thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sending a transaction payment for {$63.00} via PayPal at XXXX XXXX on XXXX XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is trying to collect { {$890.00} } from me for a debt they claim I owe. I have disputed thIs demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill and an agreement from another company that does not bear an actual signature, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation