BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-24
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: Information belongs to someone else

Complaint:
on XX/XX/19 received a letter from XXXX XXXX XXXX XXXX stating I owe {$1300.00}. They sent me a copy of the bill that does not belong to me and I have been fighting this for months. they say my account number is XXXX and sent the bill that belongs to XXXX XXXX this is not me please have credit bureau to remove

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 2020-02-20
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:
This account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/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 2018-02-01
Company: Experian Information Solutions 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:
Experian Report # XXXX XX/XX/XXXX Information on Former or Current Employers missing or current Employers not showing. I have uploaded a current XXXX from 2 Employers as proof. 1 not showing and others missing in the past correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Current since XXXX XXXX XXXX  XXXX Current XXXX XXXX XXXX Current XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX  XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past Position : 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 2020-10-08
Company: TRUIST FINANCIAL CORPORATION
State: DC
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:
We have our mortgage and HELOC valued at {$100000.00} with BB & T, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX XXXX using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CCS Financial Services, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit Collection Service # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: FL
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 is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX  XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was called on Saturday XX/XX/XXXX at XXXX am and answered the phone since it woke me up. The lady I spoke with had a heavy foreign accent I advised her to call at a more reasonable hour next time or I would be reporting them. I received at call at XXXX and at XXXX on a Sunday during religious services. Neither calls were answered but I was advised that XXXX are not allowed to call at those times on a Sunday since they are unreasonable hours. In my opinion calling at XXXX on a Saturday certainly is.

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 2020-02-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TD Bank would not give me my money back from fraudulent transactions. XX/XX/2019 I used my card at the bank atm about XXXX XXXX. I dropped the card right outside of the bank as well as my phone. I had to wait for the bank to open to report this and turn off my card. By then over {$200.00} was gone. two {$40.00} meals at XXXX and over {$100.00} at XXXX XXXX. 

I disputed this the bank refused to give me my money back because they said no one attempted to use the card after they issued me a new one. I was honest and I really would like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: MI
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:
Hello, The issue I'm having is due to injuries I received in XXXX from my time in the XXXX I became serious behind on my Auto Loan Once I was able to work again I called and set up payment arrangements with XXXX XXXX. I was told as long as I meet my agreed amount on the days selected it would be taking out of collections. I have made a few payment and it still being reported as in collections. I called the company and was told it's just taking out of the company 's collections department and it will still be reported as collections. I asked why I wasn't told that from the beginning and was told they didn't have to tell me that. I think this is a terrible thing to do to people

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 2020-02-20
Company: Lending Club Corp
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In good faith, my husband and I entered into a loan agreement with LendingClub to make necessary repairs to our home. Unfortunately, he was unemployed shortly thereafter for approximately 1-1/2 months and his salary was reduced by {$70000.00}. We have continued to make monthly payments of {$710.00} at 20.30 %. On XX/XX/2019, we tried to renegotiate the loan with XXXX and XXXX of LendingClub to more favorable terms of {$510.00}, 15.17 %, 60 months. It was denied. On XX/XX/2019, we spoke with XXXX of LendingClub at XXXX to discuss renegotiation and erer again denied. Also during this time ( XX/XX/2019 ),  LendingClub tried to put us into collection with XXXX XXXX XXXX XXXX, XXXX for missing one ( 1 ) payment which we did not. Even XXXX agreed that LendingClub 's action was ridiculous. The continuing payment of {$710.00} is now a hardship and we want to settle the remaining balance of {$21000.00} with a cash amount both parties agree on to dismiss this debt with no adverse credit rating. In closing, LendingClub has been making harassing phone calls to both of us on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
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: Account status incorrect

Complaint:
I have been recently discharged in Bankruptcy Court of XXXX Tennessee Docket XXXX. all other credit reporting have removed the accounts as being reported except Transunion

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 2020-02-20
Company: ID Analytics, 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:
I have not been able to have physical ( verbal over the phone ) contact with Sagestream LLC, they have reported some false data ( very slanderous ) and thus I have been trying to confirm an see what is on my " version of their credit report '' and have been trying to get things resolved and corrected ( history shows they are notorious for this type of behavior per BBB reports from other consumers that have led to SageStream LLC having an F rating ) I have submitted electronically all documents requested. 
I have also requested a freeze as well I have NOT gotten any confirmation from them with regards to my info as they requested from their website, nor any form of communication from them.. They DO NOT pick up the phone at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX XXXX does not report payments that I pay. I check monthly and they get the money when I check it's all ways some excuse told to me some 3 Rd party credits the account. It's all ways some story to the payment. I don't get no phone call back after they say there going to look in to it. I fax the copies of payments every month it's they did ot get it. but when I check the bank or the XXXX XXXX  they had the money and cash it. There is nothing but the run around with XXXX XXXX. on my credit file there has not been no payment reported for the last 5 months up to XX/XX/XXXX. I have all my copies as well as proof they cashed the checks. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which makes no sense to why XXXX XXXX Cashed the checks but not reporting my payments. I fax time after time proof but no return call. Nor a letter as stated by the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-07-26
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX Store Credit Card is blocking access to my data via external 3rd party systems.

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 2021-08-05
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:
I'v been disputing with the bureaus month after month. There are items on my credit file for which I do not have a confirmed contract and there is no verification process what so ever. I'm seeking relief of damages from bureaus as I am owed compensation at this point. Information on my credit file for which the law clearly states there needs to be contracts for via the Comprehensive Credit Act of 2020 sec 401, other parts of the FCRA, and other portions of the law will entitle me to damages for the defamation of character that has been caused. For XXXX, There is a collection account that should not be there, as it's not even mine. There are 3 of the same exact inquiries on there for XXXX XXXX as well which ought not be. For XXXX  : There is 1 inquiry on there that I didn't even apply for ( XXXX XXXX XXXX ). No, this is illegal. Anything as well that's on my Experian file that also should not be there for which items are not verified also are to be removed. This includes collections, inquiries, and missed payments. Experian has been the most difficult to work with of all of the bureaus. I believe that their data breach is what really caused me the most issues with them. XXXX  is known for never verifying information as well. A closed collection account is not the same as having it removed which it should be removed. There should be no missed payments with them at all. Last I checked, Experian had collections on my file, inquiries and other late payments which are all wrong. I've already sent them verified/certified letters asking about this. 

Specifically For Experian I've written them the following,,, XXXX/XXXX  - {$5100.00} Never made any late payments, paid in full 34potentially negative months Account Info Account numberXXXX XXXX XXXX XXXX  XXXX - {$15000.00} Never made any late payments 3latepayments - not true Account Info Account numberXXXX XXXX/Dept. of ED - {$22000.00} Paid In Full, and On Time Account numberXXXX Collection : XXXX XXXX XXXX, Never Did Business With, Not my Debt Account numberXXXX {$5000.00}

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 non-monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I heard on XXXX that your company could help me. I feel that Equifax is taking advantage of me and refusing to manually review my letters. As of today, Equifax has continued to leave inaccurate information on my credit report. It has damaged my credit score and I cant get a job because of it. For this reason, I decided to write a letter on XX/XX/XXXX ( Certified Mail ) to fix the incorrect information ( attached ). 

On XX/XX/XXXX I wrote another letter ( Certified Mail ) addressing Equifax ( attached ) Confirmation #. The main purpose for this letter is to address the deleted item on Equifax ( attached ) Confirmation #, but failed to correct my information. I also noticed they did not remove the three below accounts ( attached and circled ) that were associated with the personal details that were disputed in the past. This does not make sense to me. 

I believe they are in violation of the FCRA and are refusing to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I work for an airline and on XX/XX/2021 I parked my car at XXXX XXXX in XXXX, CA. The airline crew rate is {$10.00} per night. I returned on XX/XX/2021 and was charged {$20.00} by the front desk representative, although I only had my car parked there for one night. When I went outside to pick up my car, I was informed by another crew member that since the parking gate was inoperative and open for the day, no hotel guests or parking guests were being charged. I tried to resolve the refund issue with the hotel and was unable to solve my problem. I then contacted my bank NFCU and filed a dispute on that charge. I was asked to submit additional documentation and I provided a copy of charge and screenshots of the open gate. Yesterday I received an email from NFCU advising me that they decided to close my dispute and pay the charge, so I contacted NFCU again and spoke with XXXX, who didnt know how to advise my on that and just told me to send a message to NFCU and write dispute. Today I spoke to a supervisor named XXXX and he looked at the screenshots and kept saying that the screenshot shows the rates, and did not understand that I was providing the screenshot of the open gate and not the rates. He then said that he was seeing a closed gate and I explained to him that the entrance gate on the screenshot was closed but the exit gate was open for that day. He insisted on the entrance gate and rate list, which is not the crew rate. He so disregarded the fact that on that date the hotel parking exit gate was not functional and guests were not being charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I RECENTLY PULLED MY CREDIT REPORTS AND FOUND SOM EITEMS THAT WERE NOT MINE. PLEASE CORRECT/DELETE.

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 2020-02-20
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXXXXXX XXXX {$620.00} XXXX XXXX/GF XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$930.00}

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