BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: AMERICAN HONDA FINANCE CORP
State: MA
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 filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my American Honda finance motor vehicle and our. property service by XXXX XXXX XXXX I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have called EXPERIAN numerous times only to deal with an automated answering service that consumes my time, doesn't resolve my problem, and doesn't transfer me to a live representative. Other times, as was the case on XX/XX/2023, the automated service transferred me to a live EXPERIAN representative located in XXXX XXXX. Since that live agent could not resolve my complaint, he transferred me to his supervisor by the name of XXXX ( thats the name the supervisor gave me ) which was also located in XXXX XXXX. This supervisor spoke to me in a RUDE manner and DISCONNECTED my call! The reason I was calling was to let EXPERIAN know that my FICO score dropoed by XXXX points and after reviewing my EXPERIAN report, I noticed that there are accounts that have NOT been updated or reporting ACCURATELY!!! One of my accounts- XXXX  XXXX is showing a monthly payment of {$8.00} and a balance of {$8.00} - both are INCORRECT. 
I NEVER pay a monthly {$8.00} NOR do I owe {$8.00}! XXXX XXXX is showing a balance of {$100.00} and has NOT been UPDATED! I have a XXXX balance with XXXX XXXX!!! I am attaching screenshots! I am paying my balances in FULL every month and my creditors have been sending EXPERIAN letters CONFIRMING that my account has a XXXX balance. I am LEGALLY entitled to ACCURATE reporting. There is NO reason why my FICO score dropped XXXX points! Moreover, my FICO score should have gone up as one of my creditors RAISED my credit limit and did NOT do a hard credit pull for this. I am very FRUSTRATED that I have to constantly go through the CFPB to assist me because EXPERIAN is making MISTAKES on my credit report, NOT CORRECTING the MISTAKES, and being RUDE to me, the consumer, that has a LEGAL RIGHT to have correct and accurate information reported 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 2022-09-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I made a donation to my daughter 's school using paypal. 
I put my daughter 's name and period 1 teacher name in the memo. 
The paypal resolution center is holding my donation until I provide period 1 teacher 's date of birth. 
There is no way I can provide period 1 teacher 's date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a account with ally Bank in XX/XX/XXXX. I had maybe {$14.00} dollars in the account. I live half the year out of the country. My room mate has opened a ally Bank account as well. And he two spends time with us in XXXX XXXX. XXXX XXXX. Anyway. On or aboutXX/XX/XXXX-XX/XX/XXXX. My Ac king was suspended. They asked for a copy of my drivers license to fraud@ally.com. Which I sent. I have had nothing happened since. I called. I emailed nothing can be done. 

XXXX XXXX Ally Bank Checking 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 2023-04-12
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updated as soon as possible. I have not nor authorized the receipt or distribution of any goods and/ or materials under my name. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting an updated copy of my report and all pertinent information regarding this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-06
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: Their investigation did not fix an error on your report

Complaint:
On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX XXXX XXXX account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by XXXX ( XXXX ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.

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 2021-06-08
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I received a life insurance policy settlement to my Ace Elite account via direct deposit through XXXX. Ace Elite emailed me saying they needed further verification and gave me examples of verification. I emailed a copy of I.D . and social security card plus documents of verification that I received straight from XXXX, saying it was in fact my money. Netspend called me saying everything was good. I assumed it was because I withdrew money from the ATM for a few days. Suddenly Netspend contacts me saying they closed my account for security reasons. I was a little upset, but they assured me that I would receive a check in 7-10 days for the remaining balance that was in my account, which is my only source of income at the moment. Since they said there was really nothing else I could do, I hesitantly agreed. I believe that date was XX/XX/2021. It is now, almost 3 months later, still no word or sign of a check. I have called and emailed NetSpend over 40 times. They tell me nothing of value. The last thing they said was that I need a Letter of Indemnity from the life insurance company ( XXXX ). I called XXXX and they told me it is out of there hands, so they want nothing more to do with it and that Netspend needs to handle it. Netspend then tells me that if I open a regular bank account, they would be glad to transfer it to them. I went and opened an account with XXXX XXXX XXXX. XXXX XXXX XXXX emailed Netspend to verify I opened an account. Netspend then said that they couldn't transfer it. I have documentation of all of this. I feel like my money is being held XXXX so interest can be collected on it.. When I call my Ace Elite Card, it says the money is on there. But I can't login to my account or transfer my funds. This is absurd. I'm very disappointed, upset, frustrated and broke. I've already contacted the XXXX XXXX XXXX, FDIC, Comptroller of the Currency, and most recently XXXX ( I'm waiting to here back from them ). I plan on contacting whomever I need to until this matter is resolved, but I'm running out of resources and patience. 
I don't want this situation to get out of control, when it can be be solved quietly. My next steps will be to go on every social media site of Netspend, XXXX, and whomever else wouldn't help me. I just want what is rightfully mine, my money. This money is what my son left to me when he passed. He was a member of the XXXX XXXX 
Please help me with this situation so I can put this behind me. 
Thanks,

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 2022-12-13
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
If you refer to complaint XXXX, this company XXXX XXXX  XXXX responded to the company with no documents, validation materials, nothing to the CFPB, nothing to me, and they closed the complaint with no resolve and without documents that I am entitled to within 30 days under Federal Law - 15 U.S. Code 1692g - Validation of debts, b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
The furnisher XXXX XXXX XXXX failed to provide to me or CFPB any requested documents that I am entitled to owe federal law within 30 Days and I hereby request that you order the deletion of these accounts listed on my credit file that was reported by XXXX XXXX XXXX. This relief I am entitled to by federal law..

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 2022-09-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX Account Number XXXX XXXX Account Number XXXX Continuing to report inaccurate information on my consumer 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 2023-03-16
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is New and updated information in response to CFPB Complaints # : XXXX - XXXX - XXXX, XXXX - XXXX. I made and uninformed decision on XX/XX/2021 when there was no evidence of indebtedness the only evidence of the debt was the agreement but because of the uninformed decision that agreement is null and void. Because I made and uninformed decision and I didnt understand its meaning because it was not clear and conspicuous. Because in negative account is has caused pain my family and has cause me and baby mama fussing and fight all night. Email Address : 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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please Contact all Consumer Reporting Agencies and demand they delete these item from their reporting immediately as the items have been identified as information in my consumer credit report that is a result of identity theft. These item are not related to any consumer transactions completed by me or initiated by me, Please see attached.

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 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion So funny contact companies You know for a fact I have You have there documents that clearly show they have NO evidence this is was or ever was my account They are playing games and you are being miss lead in to false reporting buy them. Please look at the game being played here, enclosed a copy of a credi t report stating removed from account sent to the response to CFPB account removed XX/XX/2018 and it never was NOT one day I called XXXX With in 2 hrs it was changed to CHARGE OFF but I was told to wait for an investigation I did not State My complaint was Against the credit company for leing in there response thats leing to myself FTC, CFPB, OCC

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 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following inquiries are on my transunion credit report that i do not recognize. I have contacted the companies for a signed application in my name or a proof of ip address where these inquiries were made from and they directed me to the credit bureau. I contacted Transunion but they could not help me and were unable to resolve the issue. 
Below are the inquiries in question.
1- XXXX XXXX XX/XX/XXXX 2- XXXX XX/XX/XXXX 3- XXXX XX/XX/XXXX ( DUPLICATE ) 4- XXXX XX/XX/XXXX ( DUPLICATE ) 5- XXXX XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7- XXXX  XX/XX/XXXX 8- XXXX XX/XX/XXXX 9- XXXX  XX/XX/XXXX 10- XXXX XX/XX/XXXX 11- XXXX XX/XX/XXXX 12- XXXX XXXX XX/XX/XXXX 13- XXXX XXXX XX/XX/XXXX 14- XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: UT
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 keep asking Experian to investigate an item on my credit report. I have submitted the burden of materials of proof and they keep responding saying that the request is not coming from me. I have provided my identification and their copies and my signature and they keep saying that it is not coming from 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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
i sent transunion consumer solutions 29 pages explaining how XXXX XXXX XXXX XXXX refuse to remove the negative information/ inaccurate information i have been told week after week that they did not receive my information i paid for the letter to be sent and signed for on XX/XX/2021 but they continue to tell me that they have not recieved my information .i am sending u the information that i paid to have sent and to be signed for and the information from the postal service where i paid and the person that signed for my letter was the person that picks up transunion mail XXXX was also told by transunion that they dont care how much information i send that if XXXX XXXX XXXX XXXX dont remove the inaccurate information that they will not remove it so i am asking that cfpb please reopen my case aganist transunion and XXXX XXXX XXXX XXXX because both companies are lying and i have proof

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 2023-08-21
Company: AMERICAN HONDA FINANCE CORP
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Flagstar Bank, N.A.
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Follow-up Documents to Complaint XXXX / Scam Alert?? 

As previous mentioned, I want answers as to how my mortgage was placed under Bankruptcy when I, the sole owner has not filed bankruptcy!!?? My XXXX mother lives with me. She has filed for bankruptcy. She is not listed on any documents related to my mortgage. However, Flagstar has placed my home in their " bankruptcy department ''. They are also charging me for " Legal action and fees ''. Why? If they had searched public records they would have known this was an error. I am starting to think this is some kind of scam ( place accounts under bankruptcy, then charge owner for " Legal action and fees '' ).

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