BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX continues to report that I owe {$8900.00} to XXXX. This is not my account and I do not owe this account. I have disputed this information several times. This company is violation the Fair Credit Reporting act and I am entitled to a fair and accurate credit 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 2018-11-24
Company: WELLS FARGO & COMPANY
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:
It was reported to XXXX, XXXX & XXXX  in XX/XX/2017 by Wells Fargo Bank I was late on my XX/XX/2017 car payment of {$300.00}. This information is incorrect, I have never been late on my car payment. This account was paid in full by XXXX XXXX. 

General Manager, XXXX XXXX of XXXX XXXX has communicated with Wells Fargo Bank regarding this issue and resolved the matter. Please correct this information on all three reports and make me current showing no late payments. 

Please contact XXXX XXXX at XXXX XXXX at ( XXXX ) XXXX and Wells Fargo Bank at ( 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 2018-11-24
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, a payment of {$340.00} was automatically withdrawn from my checking account despite my withdrawal of authorization for automatic payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to get in touch Conduent ( who took over from ACS ) on my student loan. I can not reach anyone at Conduent thru any of the phone numbers listed on their website. When I enter my social security number on the Conduent website to try to get information on their website, Im advised that Conduent no longer service my loan, but Im not given anymore information.

Id like to know : 1 ) who is now servicing my loan 2 ) does my loan balance reflect the payments Ive been making to Conduent thru online banking? 

Please help me.

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 2019-05-22
Company: LEXISNEXIS
State: AZ
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:
This letter is a statement of dissatisfaction concerning customer service at LexisNexis and the other 3 credit bureaus. After recently finding out I was a victim of identity theft I tried calling only to get a voicemail and no return call. I needed to submit all of the documents proving this was not me in order to remove the fraudulent information from my record. This all happened because someone maxed out credit cards that I rarely used, and then filed bankruptcy so I wouldnt get calls from the creditors. At this point I dont know what to do since this has massively affected my life.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax was forwarded an identity theft affidavit in which they had four days to remove, block it. They have done nothing but sent me a letter stating that they refused to block it. this was not sent in error, and a copy of my id and social security was sent along with it.

1. THE INFORMATION I PRESENTED TO YOU WAS NOT BLOCKED IN ERROR 2. THE INFORMATION I REQUESTED IS IN THE FORM OF AN AFFIDAVIT OF FACT 3. IF YOU BELIEVE I OBTAINED POSSESSION OF GOODS AND SERVICES, OR MONEY AS A RESULT OF THE TRANSACTIONS I NEED A SENIOR EXECUTIVE MEMBER OF THIS COMPANY TO PUT IT ON AN AFFIDAVIT SIGNED UNDER THE PENALTY OF PERJURY AND NOTARIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Today XX/XX/XXXX, I checked my XXXX credit report to see if there were any updates on my credit report. Last week I had started some disputes on some of the accounts on my credit report since some of the information on them was inaccurate. I did notice one big problem that has made me really worried. There is an account on my report that I don't believe is mine. I noticed that this account had similar information as another account on my report. Both accounts reflect the same date, XX/XX/XXXX as their date opened. Both accounts have the same write off amount of {$1800.00}. The account that I don't believe should be on my report is listed as an auto loan. I do have pictures that I will download. Now, I have that same information reflecting on my other credit reports and I have a feeling that the company BB & T that is reporting this information to my credit reports has written off my account more than once.

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 2018-12-21
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX, 2018 I tried to get through to someone at Equifax as I paid for a look at my credit score. It took me a very long time to reach a person and I believe they were located outside of XXXX. They could not help with my log in issue and said it would take 1 week to verify who I am. They rate my score far lower than XXXX and I can not easily cancel my subsciption or dispute old and out of date information. This credit company is unethical and has the ability to ruin peoples lives. They should be shut down due to shoddy practices and no ability to reach someone who speaks English fluently. This is a scam agency who tries to get you to " pay '' in order to fix mistakes on your credit report. No consumer should use this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.

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 2021-07-12
Company: Flatonia Investments, LLC
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received e-mail notices from various credit bureaus that my mortgage was late/delinquent. 

I attempted to log into XXXX  and the system would not allow me to log in. I followed the options to : 1 ) Forgot username, and input my loan number and last 4 digits of SSN, 2 ) Picked forgot password to try to reset my password, and 3 ) attempted to create a new account. All three options failed - XXXX  system would not notify or e-mail me any details about my loan. 

During a call today, XX/XX/12, at around XXXX eastern, I spoke to XXXX XXXX XXXX basically accused me for not having my " profile '' set up correctly with XXXX. XXXX said that I must have XXXX not send me emails about anything. I explained to XXXX that I felt she was accusatory - the issue is I could not access my loan details online. Even after obtaining access to my account, I followed the system 's " Forgot User ID '' prompts and XXXX still does not e-mail you. I tried to explain to XXXX that I believe this is an IT issue on their end that needs to be fixed. XXXX promptly hung up on me when I asked to be escalated to her supervisor. 

Due to my travel status and different time zone, I was unable to call XXXX during their normal business hours. 

XXXX has reported my loan as delinquent. I was on travel for 4 weeks. While I made an error with my bank account as it skipped the XXXX payment and I accept that issue. However, for XXXX to block the account without any communication, and claiming that my account was not blocked initially XXXX XXXX later relented and said she unblocked my account ). 

So I was forced not to pay my bill via XXXX  while I was on travel - I had to do it with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: AL
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 should be sent to XXXX, Experian, and XXXX I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly

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 2019-05-22
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. I have submitted all relevant documents to each of the three credit reporting agencies. To date, I have been able to receive status updates and/or investigation results from XXXX and XXXX, respectively. I am not having any success in obtaining information from Equifax. In fact, although Equifax has sent me an email stating my dispute is complete. But in spite of this fact, I haven't been able to access said report after making multiple attempts both online and by phone. A separate and earlier dispute was submitted on XX/XX/2019. More than one month later, still no information. And, I have been unable to receive a copy of my annual credit report for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was just informed that on all 3 of my credit reports shows that there is 2 accounts for XXXX XXXX. I am responsible for 1 account not 2 accounts. The account is no longer XXXX XXXX it is now XXXX XXXX. I am currently on time with XXXX aka XXXX XXXX. I am requesting that this be corrected and corrected on my credit report. On my report it should state XXXX XXXX no longer XXXX XXXX and One ( 1 ) account should be showing with payments currently on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX, EXPERIAN the also have records of file the are wrong.

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 2020-05-11
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two tickets with XXXX XXXX using PayPal on XX/XX/19, confirmation number XXXX and XXXX for XXXX dollar. 
The tickets were cancelled on XX/XX/XXXX and we had to purchase another sets of tickets directly with XXXX XXXX at their counter. XXXX XXXX promised a refund of XXXX dollars on XX/XX/XXXX and sent us the refund confirmation through email. The refund was promised to be returned to PayPal withi 4 weeks but we have never received it. I have submitted multiple refund request to PayPal and through XXXX   complaints with email print out and description of the events, all got declined or not responded. Extremely disappointed and angry at PayPal especially that this XXXX is important to us during this difficult time. Shocked by how ethical this company is. 

PayPal dispute case number - XXXX We filed a case dispute on XX/XX/XXXX regarding a missing credit from XXXX XXXX. PayPal did not even read my submitted documents carefully and denied The case without giving me way to reopen it.

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 2019-09-05
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Yesterday I received a call on my work phone from a private number at XXXX XXXX. I had another call at XXXX XXXX  ( again restricted ), XXXX XXXX, and XXXX XXXX from Midland Credit Management. They violated the Fair Credit Collection rules and are now harassing me at my place of work. I am making a formal complaint regarding their actions. They can not, according to the Fair Debt Collection Practices Act : a ) call me at work ; b ) threat or harass me ; c ) falsely claim legal action can be taken again me ; d ) contact me anonymously ; or e ) contact me after I specifically direct you not to. 

The person who contact me anonymously on XX/XX/2019 at XXXX XXXX  EST was unprofessional, rude, harassing, threatening, commented negatively on my character, and provided legal information that was inaccurate in an attempt to scare me into paying a debt that I have already paid. She indicated that this call was recorded but did not provide me with her full name, ID number, or contact information. If I were you folks, I would pull up the recording and listen to it she was seriously over the line, unprofessional, inappropriate, harassing, and quite frankly, rude and wrong. I have paid the debt to XXXX XXXX and informed her of such but she was really, really obnoxious. I finally told her to have a nice day and hung up but they are still calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: EarnUp Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is with XXXX. My payments were being made by Equity Accelerator Program paying early each month. XXXX was the provider of EAP to XXXX. Evidently, XXXX was sold to XXXX. On XX/XX/2019, XXXX transferred the files and told XXXX that XXXX said I was bankrupt and to terminate the processes. XXXX did and did not pay XXXX any longer. I have received no communication from anyone on this. I was going to open a checking account at XXXX today and noticed that my mortgage had not been paid. I called and they said that XXXX  will not pay them and have terminated me to bankruptcy, which I am not in since the mortgage holder would know. After much pain, I was able to get a mortgage verification letter sent to XXXX  so they can restart my payments. However, I had to make a complete payment, pay late fees, and have now late payments that will be on my credit file and payment history. 

XXXX was negligent with the files transfer and XXXX  was also negligent by not actually reading the date of the data and contacting the mortgage company to verify the sack of errant files that were delivered. 

What can be done? I have now marks on my credit report and had to pay fees for something that was done to me. No one will give me the records although they are about me and my finances. I thought that I am entitled to all records about myself. 

I am beyond upset and should have something done to remove the late payment recorded on me to the credit bureaus and filed to remove when a manual mortgage is run. XXXX must have been really evil and XXXX   doesn't really read what they are given or even contact the person. XXXX did not let me know they were changing services. 

I can provide only the mortgage verification from XXXX as the rest of the businesses refuse to provide written or electronic data. They say that they only the computers transferred the files and were processed. Evidently, XXXX  did not use a human review process to read, only accept checked fields of bad records.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
3 years ago my service provider switched from Navient to the XXXX XXXX XXXX. While it was under Navient which was for quite some years while I was still in school they kept dropping my school forbearance and kept telling me I needed to repay it. But I could t because I was still in school. Due to this it showed I had missed payments as well as a drop in my credit due to the fact. 
Fast forward to when I stopped going to college I called Navient to see if there was repayment options but they kept forcing me into forbearance that went on for a few years. 
Fast forward to 3 years ago one day I did my yearly credit report. And it showed that my service provider changed with out me even knowing, I called Navient, they told to call the new service there was nothing they could do. For the past 3 years since this has happened Navient still hasnt taken or reported that my loans were transferred and it is hurting my debt tremendously, I cant get loans to improve my business, and its almost impossible for me to get a place to live because of the wrongful doing of Navient. I beg you will someone please do something about this. Im at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been a Victim of Identity Theft I did not Authorize any of these Accounts

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 2019-03-27
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: Account status incorrect

Complaint:
I opened a new credit account on XX/XX/XXXX with XXXX XXXX where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. 

I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at XXXX and could not find the account in question as it did not show up in my virtual wallet that I set up with XXXX personnel for all of my accounts. I worked with XXXX personnel to try and find the account information. After searching XXXX customer service figured out where the account information was located. I paid the amount due on the XX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that XXXX never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. 

After I spoke spoke to XXXX Customer Service I spoke on the XX/XX/XXXX to the XXXX Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though XXXX personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.

Company response to consumer: Closed with explanation