BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 XXXX opened up an account for me for XXXX dollars. I believe this is an error because I never opened up an account with XXXX. I would like for this account to be removed because its making a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on  XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX XXXX. The two accounts are regarding a XXXX XXXX and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX also by certified mail. 
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XX/XX/XXXX.

In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX. 
I have attached a copy of the two certified letters that were mailed to Portfolio Recovery Associates regarding the XXXX XXXX and XXXX XXXX accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I  have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX XXXX as well as the original creditor. 
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicer changed for my mortgage. Mr. Cooper company bought the Seterus inc. ( apparently ) At about XXXX Saturday XX/XX/19 evening I received an email from XXXX XXXX saying " there was a status change in the report that caused my rating to DROP 96 points! '' After review turns out that Seterus made a comment on XX/XX/19 that the account was closed. NO IT TRANSFERRED. My auto insurance is due and I was HOPING for a new rate on it but now I don't want to ask. REALLY almost 100 pts? I have been on time no late payments and this is what I get? Is it XXXX XXXX or Mr. Cooper? They can " rebrand " all they want..if it looks like a duck, walks like a duck.. you know. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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:
The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX  {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX {$36000.00}

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 2018-07-10
Company: Navient Solutions, LLC.
State: NY
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:
Navient is my loan servicer Navient always got me to postpone payments through forbearance, an option in which interest continues to accrue, rather than enroll in an income-driven repayment plan that would avoid fees, Consumer advocates say loan servicers steer borrowers toward forbearance because it requires substantially less paperwork than enrolling them in low-cost plans that peg monthly payments to a percentage of income. My Students loans are more then half fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Their investigation did not fix an error on your report

Complaint:
since XX/XX/XXXX I was working with XXXX XXXX to refinance a home that I live in. I was given this company through XXXX XXXX to help me repair my credit and get some cash out for a rainy day istarted working with a XXXX XXXX XXXX aka XXXX XXXX mls # XXXX who at first was very helpful. then she turned me over to aloan officer XXXX XXXX who mis reported and read things that are not true as reported and recorded by athree way call with Equifax and alady name XXXX who was in XXXX XXXX   and could barely speak XXXX it is now XX/XX/XXXX and no loan and wasted my time after giving them all the paper work I requsted I am XXXX man with a XXXX XXXX XXXX and XXXX and suffer from XXXX   and XXXX. i believe they contact my bank to discuss tis matter with out my consent and hurt my chances of getting the loan this was a waste of a month when i provide everthing they ask for and then some donot truste XXXX XXXX say one thing do another

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Rubin & Rothman, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company is Rubin and Rothman recovery llaw firm in New York and the phone number is XXXX. They have called me repeatedly, left voicemails saying they will come to my house or work within certain time frames. I called back and an employee was extremely rude. They do have my information incorrect as I was going to discuss, but it was impossible due to the rude gesture of the employee named XXXX. I then spoke with XXXX who threatened me with court and said I was on a recorded line and would have my time in court. I do not know what this pertains to. I have not received anything from this company until these threatening calls started within the past week.

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 2019-02-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have been a customer with XXXX  since 2014 and use the service regularly. I recently bought a new phone and needed to re-verify my identity with the XXXX  app. The email address I originally used to set up the account is no longer active. XXXX is requiring US government issued identification, which I do not have as I am a XXXX citizen in the process of applying for a green card which has been applied for and is pending. I am currently and have always been a legal resident during my time in the US. 

Because of this alleged policy, they are unable to offer any way to verify my identity and as a result I am locked out of my account. I recently attempted to make a payment of {$2000.00} and am unable to confirm the status of that payment, or determine if XXXX  has any other funds belonging to me. I have offered to provide passport, immigration processing papers, and to visit one of there offices. 

Their customer service representative was unwilling to offer any solutions and in effect said that I would not be able to access my account or any funds therein. XXXX has explained they will be keeping my money, potentially thousands of dollars until I can produce US ID which is being processed and I have no way to know when it will be completed. There is no clear mention of this policy and I was never required to provide US identification to sign up for the service. After multiple requests for escalation, the customer service representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: DISCOVER BANK
State: MI
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:
DISPUTE CASE # XXXX {$150.00} I placed an order with a merchant when I received the order one of the shirts were too small and the other items had gotten wet they were damaged I don't know if it was water or what it was but they arrived at my home wet I immediately followed all the merchants return procedures and began to return the merchandise with their shipping label they received the merchandise and have been giving me the run-around ever since this is when I turn to discover to help me get my money back I've given discover the information that they've asked for they have the tracking information I explained in detail what had happened and I even sent a follow-up email to discover adding a little bit more information instead of just taking that information they told me I needed to call or I needed to mail it in there's nothing really to mail-in I'm just giving you more information I'm giving you my account of what happened we've gone back and forth discover and I it shouldn't be this difficult just to give them information I mean so far they've done nothing my most recent email came from a woman named XXXX she informed me that she closed my case because she saw a credit on my account from the merchant the trouble with that is she didn't bother to really pay attention there were two separate transactions with this Merchant two separate orders that have absolutely nothing to do with one another the refund she seemed has to do with the original order again not disputing that order don't have any problems with that order on the other hand the other order is the order I'm having issues with in the one that I attempted to dispute I would love for somebody tell me why XXXX closed my case I can't help but wonder if it's because she's not paying attention to get rid of me that you didn't bother to see that that credit had absolutely nothing to do with my dispute terrible customer service XXXX clearly needs some more training

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2020-01-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a call from XXXX claiming to be an attorney wanting to serve me legal paperwork to collect an 11 year old debt that was charged off. I was asked to call back XXXX and when I did I was told I was being sued for theft regarding a Barclays credit card. I was also told that there would be a lien placed on any property I owned and garnishment of my wages unless this debt was immediately paid. They had my full name and last 4 digits of my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: AES/PHEAA
State: OR
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:
Have called XXXX countless times to attempt to fix their incorrect calculation of my PSLF payments. In addition to a bogus counting system and inconsistencies they also have miscalculated my paperwork several times when competing my annual renewal and failed to correctly add my wifes payment/info. Due to their wrong calculation I made over payments for months until I found. It and forced them to have upper management look at it and recalculate without a sorry or reimbursmemt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
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:
Dear TransUnion, i received a copy of my credit report which showed Inquiries & inquiries i didnt not authorize. You have been reporting inaccurate information on my credit for sometime now. I have contacted XXXX and filed a complaint, contacted the state attorneys office and filed legal documents in defense of my credit being used without my consent. You are liable for all the damage thats has been caused with the inaccuracies I have found on my credit report and will pay the consequences once the investigators are done investigating this situation on credit fraud. I have been advised by my lawyer not to contact you or any contact what so ever. This is was my final warning and goodwill letter of dispute and affidavit to remove the inaccurate information you place on my credit file. I understand and I am aware that you should not put an inquiry on my file unless i have approved it, gave you any consent which I didnt. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. This has been my 10th time contacting your department, Ive sent in the certified letters and information but the creditor and credit bureaus continue to ignore my request. Youve violated me and my rights. 

List fraudulent inquiries & accounts : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX. FI XXXX Cars 5. XXXX XXXX 6. XXXX Bank 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. Capio 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX 15. XXXXl XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

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 2018-03-26
Company: Experian Information Solutions Inc.
State: GA
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 several occasions I have submitted documentation, a police report and multiple CFPB complaints against Experian in reference to incorrect information on my credit report. Experian has done nothing. I disputed the collection account with XXXX XXXX and they stated that they were deleting my information, yet Experian is still reporting this collection on my account. I have even submitted the documentation to Experian from XXXX XXXX. I have submitted a police report in reference to a credit card that was not mine as well for XXXX XXXX XXXX XXXX  XXXX that is still incorrectly reporting on my credit file. I have also disputed a cable collection account that was with XXXX XXXX that was not mine. This has since been deleted by XXXX XXXX but now XXXX XXXX has picked up the account and this is incorrectly reporting on my credit report. I have also submitted documentation that this cable bill is not mine. Experian has done nothing to correct the incorrect information that is reporting on and destroying my credit file.

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 2017-12-12
Company: Experian Information Solutions Inc.
State: LA
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 literally disputed items with experian and never got any results!!! They have damaged my future. These accounts are not mines. The company didnt invistegated my claims properly. Ive asked for proof, they sent me an updated credit report nothing validated with my signature or drivers license!!! They are reporting old accounts as open!!! Per FCRA you can not re age a old debt!!!

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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After I disputed 3 accounts and 12 Hard inquires earlier in the year around XXXX or XXXX and provided and identity theft report On my consumer report because I the Original creditor and consumer never authorize nor did I give consent to Nor did I benefit from or give Any written instructions to furnish such consumer reports upon my consumer report which they are required to have and furnish such reports pursuant to 15 USC 1681b ( a ) ( 2 ). On XX/XX/2021 I requested a copy of my credit file after disputing them. On XX/XX/2021 Transunion issued a copy of my credit file After reviewing it the accounts and inquires were gone and deleted. Which is admission to TransUnions mismanagement that the processing of my credit file has not been in accordance with all applicable laws such as a accuracy and fairness to me a consumer which is requested by congress to do so pursuant to 15 usc 1681 ( a ) ( b ). Further more on today XX/XX/2021 I sent Transunion a ( 3 ) page affidavit letting them know that they are civilly liable for such violations of federal law pursuant to 15 usc 1681n ; I put them on notice that a credit score is also a consumer report made pursuant to 15 usc 1681 ( a ) ( 4 ) ; I never gave them any written instructions to furnish such report and that is needed pursuant to 15 usc 1681b ( a ) ( 2 ) ; and such consumer report ( Credit score ) that they have furnished in my name without my authorization and written instruction is another form of identity theft and unauthorized use for I do not benefit from the score in no way and such score is hindering me from obtaining my own credit making the consumer report that Transunion furnished on its on operating under color of law is a defamation of my character for I am always the original creditor and I alone grant and extend my consumer credit by my way, and right of my signature pursuant to 15 usc 1602 ( f ) ; 15 usc 1602 ( g ) ; And for such consumer report ( credit score ) that Transunion has furnished in my name without my consent hindering me from obtaining my own credit they are not just in violation and civilly liable pursuant to 15 usc 1681n but also criminally and civilly liable pursuant to 15 usc 1 restraint of commerce and trade. I the original creditor and consumer invoked specified remedies as creditor and I have demanded the following ( see in my what would be a fair resolution to the issue

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