BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX the natural person here to attest to this terroristic organization that has violated my comsumer rights willfully.Pursuant to 15 USC 1681c-2 ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) NotificationA consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.

TransUnion has been given its due process of 4 days to remove these fraudulent accounts and have not done so!! Law is Law there is no substitute for it.TransUnion needs to remove these accounts IMMEDIATELY as they are tarnishing my name as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Today- XX/XX/2019 at XXXX XXXX  PDT ; someone used my Paypal account linked to a XXXX XXXX debit mastercard with XXXX termination that owns my daughter XXXX XXXX , account that I let her use, to send {$20.00} dollars ( {$27.00} with fees ) amount to XXXX XXXX XXXX , with transaction ID XXXX and e-mail contact XXXX without my consent or knowing. 

There were another three attempts, but affortunaly I was able to cancel them : - XXXX XXXX XXXX with a {$250.00} MXN amount with Transaction ID XXXX at XXXX XXXX   PDT ; contact e-mail XXXX. 
XXXX XXXX XXXX with a {$50.00} MXN amount with Transaction ID XXXX at XXXX XXXX PDT ; -XXXX XXXX XXXX with a {$35.00} MXN amount with Transaction ID XXXX at XXXX XXXX PDT ; contact e-mail XXXX. All of them made at the same date mentioned above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
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:
XXXX Is a previous complaint opened on Equifax for not updating credit card balances and payment history. Now they havent reported my car loan since XX/XX/2018 which is incorrect. My payments have been on time for the last 7 months but they have not reported the same which is impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was open fraudulently I have uploaded my identity theft report and a copy of XXXX  XXXX  contact information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
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:
I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX. and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed

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 2022-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted several times to remove these fraudulent accounts from my report. I have three collection account for medical debt 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX  XXXX This credit card collections is not mine. 
1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was attending a XXXX  school called XXXX XXXX College that promised us that we would be able to take college classes for free at XXXX XXXX University and they would take care of the expenses. I took classes from XXXX to XXXX but I'm being charged for the last class I took in the spring of XXXX while i was a minor but not charged for any other class. Now the school is shut down and everyone associated with the school has been transferred or fired and i cant contact anyone to help resolve this. The debt doesn't even show up on my credit report and I couldn't dispute the debt sooner because every attempt to contact me was sent to an address i hadn't lived at in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a few accounts listed on my credit report and inquiries that I did not authorize. Please remove them.

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 2019-09-04
Company: Experian Information Solutions Inc.
State: NJ
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:
I paid off my XXXX loan and instead of Experian increase my score, they brought my score down 2 points. I would like them to fix it since I paid off a loan and have the right for my score to go up not down. Experian rarely give any increase on my credit score like the other credit bureaus do. Experian likes to keep my score down for no reason.

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 2020-05-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm having issues with the credit bureaus updating my personal information on my 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 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on 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 explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, 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 report on XXXX XXXX The Credit bureaus refused to reverse the late payments. 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. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: Personal information incorrect

Complaint:
I'm having issues with the credit bureaus updating my personal information on my 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 2020-08-21
Company: GOLD KEY CREDIT, 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 information incorrect

Complaint:
There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, Gold Key Credit, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both XXXX  and XXXX, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. Gold Key Credit made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching Gold Key Credit it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: OH
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:
Last year in XXXX, I tried to dispute an account on my credit report listed as XXXX/XXXX, through Experian 's online dispute center. I had listed as the reasoning behind my dispute as that I had no knowledge of this account, & that I have never received any mail, calls, or notifications regarding this supposed debt. It was never removed or updated on my credit file back then, even though I was sure that I had never had an account through XXXX in the past. Recently, since I didn't have time available in the past to fully review my report details for any discrepancies, I cleared a day out of my busy schedule to go over my accounts listed. After viewing this XXXX/XXXX account again, I noticed that the last time it was udated was in XXXX, & under the dispute comments from XXXX, it specified that this debt was transferred to another lender. So why is this supposed debt still on my report, when it obviously wasn't verified extensively? If the only information given to the credit bureau from the initial lender, was that it was transferred to someone else, then how is this perceived as acceptable proof without any documentation to support this company 's accusation pertaining to this supposed debt, if they have no record of the supposed transaction? Also, when I tried to re-dispute it, it said that I was not allowed to dispute it again but could upload any documentation or proof pertaining to my previous claim, & it will be reviewed. How am I supposed to submit any documentation in reference to this supposed debt, if I don't have anything to submit, & the lender apparently couldn't even supply it to them! Obviously, if I didn't receive any communications at all from the company, how am I supposed to provide any proof to my claim that the debt is not mine? This is the most ridiculous thing I have ever heard of, and it is their fault for not verifying it properly the 1st time when I disputed 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 explanation
Consumer complaint received 2019-05-23
Company: ALLY FINANCIAL 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 noticed that i have a credit inquiry and i have tried to resolve the issue multiple times directly and have had no reply. I am looking for help from you guys to remove this from 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
Consumer complaint received 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below for my 2 Capital ONE credit cards ; [ XX/XX/2016 - 30 days late payment ; CAPITALONE XXXX ] [ XX/XX/2016 - 30 days late payment ; CAPITALONE XXXX ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: NY
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:
Hi I am contacting you because all 3 major credit bureaus have recently dropped my credit score due to fraudulent information being reported on my credit report. Let me first start by saying my name is XXXX XXXX and these accounts listed do not belong to me and are fraud I am a victim of identity theft and I want these account removed off my credit report at once because they do not belong to me and were opened with my consent XXXX XXXX XXXX XXXX XXXX/XXXX Also there are several credit inquiries that are also listed that are fraud and I want those removed from my credit report as well. These companies have dropped my credit score significantly do to this fraudulent activity and I want a accurate credit rating not one that's built on fraudulent credit ratio. Also the balance reporting on my XXXX XXXX card is wrong on XXXX and XXXX  because I paid my balance off in full so I don't owe them anything. 
Also my balance at XXXX  bank and XXXX XXXX bank, XXXX, XXXX  bank all need to be updated because all cards that I mentioned are showing inaccurate balances which is another reason my score dropped tremendously. And last but least this account XXXX Inquiry from XX/XX/2018 Is also fraudulent and does not belong to me and I would like it removed from my 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 non-monetary relief
Consumer complaint received 2018-11-13
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: Problem getting your free annual credit report

Complaint:
Tried to get all 3 credit reports and was denied by XXXX because of dispute ongoing. The other 2 said to check back in a year and i didnt receive reports. Im XXXX and want to correct my debts. But found many mistakes on XXXX report thru XXXX   XXXX.please help me to view reports online free.Tried to dispute with XXXX but told dispute not found.

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 2019-06-11
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Good morning. I recently filed and got a repayment plan in place which is suitable. Where I am having problems is that I worked in the nonprofit sector serving under served communities for 15 years and NAVIENT won't allow me to file for loan forgiveness. My student loans from XXXX University and Virginia XXXX for the most part would fall under the forgiveness. 

My loans have changed hands ( 4 ) times. First with the banks, then XXXX XXXX XXXX, then Sallie Mae and then NAVIENT. I filled out the form with XXXX and Sallie Mae and since my loans are with NAVIENT the forms have been lost and they ( multiple representatives ) said I can't file for it. 

I need help getting my loans forgiven, I need a manager from NAVIENT to speak with me that has knowledge of loan forgiveness and is willing to assist in this matter because I have served my community and would like the loans to be forgiven. I was calling NAVIENT between XX/XX/XXXX-XX/XX/XXXX and never got anywhere with them. One woman told me in the summer of XX/XX/XXXX that I should have filed paper work when I started working out of college in XX/XX/XXXXand I explained to her that I did many years but my loans have changed companies numerous times and that I should not be penalized for it. 

Can someone please help me. I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Attempted to sent money via XXXX to our son via online ; XXXX  held our money for 30 days and then cancelled the transaction and said we could not send money via online anymore ; we send money to our son once a month, {$40.00} at a time, and now we are banned because flagged as fraud ; then we have to deal with third world customer service, who we can not understand over the phone, finally today over a month later were told the transaction would be cancelled and we would be refunded our money .... we'll see.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I just recently got transferred for my XX/XX/2018 payment from XXXX XXXX. to XXXX-Select Portfolio Servicing, inc. for my mortgage payments-servicing. I successfully made my latest fee free XX/XX/2018 payment to XXXX XXXX. with no problems. 
Do I have a right to be treated by SPS the same-in all respects-as I was with my old mortgage servicer-XXXX XXXX.? 
For example, I was able to make my payment at anytime from the XXXX of the month thru the XXXX of the month with no servicing fee of any kind if I signed up for paperless-online payments, even one time payments at various times during the month ( they had a button online for this choice )? 
The reason I am asking is because my new servicer-SPS is stating that it will charge me {$15.00} USD to transfer my mortgage payment from my XXXX XXXX XXXX ( or a bank ) Checking Account to XXXX ; whereas with my old servicer-XXXX, it was a free transaction. 
This fee is unfair and unacceptable because I work and get paid at different times and amounts during the month and so I need-must have-the flexibility to make my mortgage loan payments at any point during that XX/XX/XXXX-XX/XX/XXXXtime period. Thanks for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient refuses to consolidate three loans in order to attempt to collect three separate payments totaling out around {$2000.00} a month which is not finically possible.

They call my cell phone, my mom 's cell phone and her house all day long relentlessly and from random numbers all day. 

My federal loans were dismissed from being ripped off by a for-profit school as I was never able to obtain a job in my field making what I was promised and I did not receive any job placement services that were promised, I am stuck with these private loans which are like a jail sentence. 

My mother paid on these loans for many years and they have only gone up not down

Company response to consumer: Closed with explanation