BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: MN
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 requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 credit card is reporting me as having a balance when it should be no balance, this is included in chapter XXXX Bankruptcy that has been discharged

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 2021-04-27
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with LoanPal for a solar system purchased through XXXX XXXX and contracted through XXXX  XXXX. The terms of the loan included the provision that the loan would not originate until I certified that the system had been completed. The first payment would be two months after the system came on line. They originated the loan on XX/XX/2021 over two months before construction had been completed. They have already started taking money from my account and the system has not yet produced even 1 watt of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I checked my credit and saw an account from XXXX  XXXX XXXX for CITIBANK N.A. in the amount of {$2600.00}.

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 explanation
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: PA
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 sent letters out over 30 days ago certified mail, I have not been notified, as a regular human being I feel like these clowns are taking advantage of normal people like myself

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 the late payment status reported on XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. 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 2020-11-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX 2020 Experian has sent me 2 different credit reports for two separate people in response to my 30 day campaign in which I write a letter to each of the 3 credit bureaus disputing information, everyday for 30 days. In response to these letters, Experian has sent the accurate credit report ( mine ) and then the next day sent another person 's credit report to me. Someone who is married, lives across the country. I'm single, never been married. Experian is mishandling personal, confidential and sensitive information and it is illegal and irresponsible and they have ruined my credit with their inability to manage information properly.

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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2019-06-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have concerns of Navient. I see a lawsuit against Navient and I question my loan amount often. Seems as if I had numerous florescence 's done on my account. I can recall 2 maybe 3, however, seems as if some were initiated without my consent. My amount seems to have been the same for the past 13 years. I have been paying it down, however, would like to know if this company is legitimately honest ( since reading about lawsuit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had two deferred interest promotional balances expiring on XX/XX/XXXX. 
I made a payment on XX/XX/XXXX. 
The first promotional balance was in the amount of {$190.00}. 
The second promotional balance was in the amount of {$57.00}. 
To cover this {$250.00} XXXX XXXX {$320.00} on XX/XX/XXXX. 
The payment was accepted. 

On XX/XX/XXXX, having now paid these promotional balances off, I began working on paying off additional promotional balances that expire on XX/XX/XXXX. To do this, I changed the payment allocation to the balances that had later expiration dates. 

On XXXX XXXX I checked my statement and saw that I was hit with a {$140.00} deferred interest fee for not paying off the two promotional balances that expired on XX/XX/XXXX. 

I called the Home Depot Credit Services and they said it was my fault for assuming that the balance was paid with the {$320.00}. They said I should have known that by changing the payment allocation 5 days after paying off my promotional balance, that any payments would be automatically redirected, and that the fee should remain. They said there was absolutely nothing they could do, but they could work out a deal if I paid off the whole balance that day over the phone. This struck me as an additional illegal 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 monetary relief
Consumer complaint received 2021-04-26
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ref : XXXX XXXX case ref # XXXX ( old case ) XXXX XXXX  XXXX  XXXX fl XXXX I have been trying to resolved mortgage total loan due since 2009 unsuccessfully after my modification and trying to get an answered for all fees added to total amount my loan had beed sold 3 times with not answered. I received conflicting information on XXXX total amount due. I had contacted Fay servicing and XXXX  XXXX XXXX involved on this transaction did not get resolved. I hired an attorney to help on the process and attorney from Defendant Fayservicing and XXXX  XXXX XXXX now want to filed a law suite against me to collect his attorney fees and waiving my rights to obtain information where lates fees and other fees added to loan amount come from. My mortgage had been sold 3 times since first originated from XXXX  fro {$270000.00} first mortgage. Needed to all fees added how they got this figures?. After I requested the explanation from Fay servicing my loan sold to XXXX XXXX XXXX  loan # XXXX. I felt I had not right and am demanding the answer from this predator lenders unsuccessfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at Experian and found a report from XXXX XXXX on a supposedly account i have with XXXX XXXX in North Carolina. I contacted XXXX XXXX and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify XXXX XXXX to have it corrected. I filed a dispute within Experian and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX XXXX I got an email from XXXX saying I was denied based on my application via credit karma. I never applied for credit with XXXX, the application was submitted by credit karma without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage used to be serviced by Seterus. It was transferred to Mr. Cooper. When I got the first statement it had a fee for over {$700.00}. I sent Mr. Cooper the prior statement from Seterus, which shows that only the mortgage payment was due, no other fees. They referred me t Seterus, who I have contacted multiple times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looked at XXXX credit report and seen that I had a collection from Transworld System Inc in the amount of {$1500.00}. I immediately wrote XXXX XXXX on XX/XX/2019. In the letter I asked for the debt to be validated by showing the original signed contract within 30 days. To this day no response for above mentioned company. This collection should be on my credit report and should be deleted. I do however will be reaching out to Attorney General 's office and seeking litigation since Transworld System Inc hasn't responded in the 30 days given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX/XXXX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus Equifax, XXXX  and XXXX. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XX/XX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Made a deposit XX/XX/2020 {$420.00} Funds are still on hold as of XX/XX/2020 Bank refuses to lift the hold.

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX Im very upset with this matter. I sent a letter regarding inaccurate information on my credit report causing my credit score to drop 134 points. In till this day over 45 days later I still havent received a response. I did my research and I know the credit bruros have 30 days to respond says section 611. I feel violated.

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 2019-05-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 i tried to send money to XXXX using the money gram app. I sent XXXX dlls and also i was charge XXXX for the transaction fee. The transaction was cancelled by money gram on XX/XX/2019 and they told me that i was getting a refund within 10 working day, after ten working days i didn't receive any money so i called them back, they told me to wait another 3 working days so they can figure out what happened. O call back again today XX/XX/2019 and they told the case was closed and that they dont have any money to refund because the transaction never happened. I called my bank and money gram charge my card on XX/XX/2019 for XXXX and never refund any money back. Bank transaction number # XXXX. Money gram reference number # XXXX. My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: ID Analytics, Inc.
State: KS
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:
I was denied credit in late XXXX, XXXX. I requested my credit reports immediately, XX/XX/XXXX, from the three agencies who were involved in the denial of credit. Two of them responded immediately. StageStream, LLC at XXXX XXXX XXXX, XXXX XXXX, CA XXXX did not send my report even though I gave them the exact same information that the other two credit agencies received. StageStream has been making me jump through numerous hoops to obtain the credit information they have on me. I have had to write them three times since XXXX. On XX/XX/XXXX I provided them the information they requested but apparently they wanted more. The last letter I wrote to them was on XX/XX/XXXX. With that letter, I included a photocopy of my driver 's license. It is now XX/XX/XXXX and I've heard nothing from StageStream. I want my credit report from them and because of all the hassle they have given me on this, I want them fined or penalized in some way for their handling of this matter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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: Account information incorrect

Complaint:
I 'm Just trying to get Equifax to report my plus XXXX XXXX  account correctly. It shows as an open account, when in fact it should be closed. It was on my BK, and it shows as such, why would it be listed as open. Thank you very much for looking into this matter, I hope it gets corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Personal information incorrect

Complaint:
I tried to log into my equifax account and dispute incorrect information and can not get through to talk to anyone and how to do this online. I am not tech savy and need detailed information to complete the process and can not get to talk to anyone. They ask questions that have nothing to do with me or my credit and then tell me unfortunately they won't be able to help me at this time.They have my DOB wrong and wrong street address wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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:
AS A CONSUMER, I NEED TO UNDERSTAND PLEASE WHY IS NOBODY LISTING TO MY COMPLAINS. THE CLOSED XXXX  XXXX XXXX ACCOUNT. THIS ACCOUNT WAS OPENED, MAINTAINED AND CLOSED BY SOMEONE ELSE WHOM I DON'T RECOGNIZE. I HAVE NOT AUTHORIZED THIS ACCOUNT TO BE OPENED, MAINTAINED. SOMEONE STOLE MY INFORMATION, AND OPENED THE FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Chapter 7 Bankruptcy 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 2020-05-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I received a notification from my Credit Monitoring Service stating that my Syncrony Discount Tire Credit Card had been closed. I contacted Syncrony Customer Service. I spoke with several people and was informed that my account was closed due to a poor credit score of XXXX. As I was on the phone with customer service I reviewed my score personally and my score was much higher than the customer service representative claimed. I was then informed by another customer service representative that my card was cancelled due to my payment history with synchrony. Which makes no sense because I have paid the payment on time every time and usually paid more than what was due, so my payment history with synchrony is perfect. I asked to dispute the account closure and was told that I would have to dispute the card closure with XXXX and that there was nothing Synchrony could do to correct the issue that it was all on XXXX. I explained to the rep that XXXX is a credit reporting agency not the bank that provides the credit line. She insisted I had to dispute the card closure through XXXX. Synchrony basically closed my account under false pretenses causing a damaging mark on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation