BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
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: Personal information incorrect

Complaint:
The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY. 

U.S.C.1681 SECTION 604 A. SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.

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 2020-07-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX, aka XXXX XXXX XXXX aka XXXX XXXX  refuses to comply with the terms ad conditions of the CARES Act and continues to report me as 30 or 60 days late, when I have never been late. I made an arrangement due to the negative financial impact of the CoronaVirus, XXXX XXXX, REFUSES to correct inaccurate information, I have NEVER been 30 days late, let alone 60 days late since my first loan with in XXXX. XXXX XXXX has provided a false statement to the CFPB and to me. XXXX XXXX stated in a response that they have not reported a delinquency on my account to the CRAs. Yet at one point XXXX  had me at 30 days late in XX/XX/XXXX, Experian had me 60 days late in XX/XX/XXXX and XXXX  had me at 30 days late in XX/XX/XXXX. After 5 disputes, 2 with Experian, 2 with XXXX  and 1 with XXXX, XXXX  shows me current never late, Experian shows me 30 days late and XXXX now shows me 60 days late, with no 30 day late before that. XXXX XXXX refuses to comply with the FCRA or the CARES Act and is deliberately and blatantly refusing to made the required corrections to my credit reporting.

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 2019-11-05
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: Information belongs to someone else

Complaint:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2021-09-24
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I being the consumer, natural person and original creditor have sent a debt validation letter to Discover Financial Services pursuant to 15 USC 1692g requesting validation not verification, those are two different things. I also requested Discover Financial Services to provide copies of their 1096 tax form, their 1099-OID, their INC and their PRC in reference to the account. I being the federally protected consumer, natural person and original creditor sent along with the debt validation letter, a cease and desist letter and a consumer enforcement settlement containing my statement of damages ( violations in accordance with civil liability ) for the debt collectors transgressions against me as a consumer under 15 USC 1692, TCPA and Identity Theft. Please review attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3 years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.

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 2018-05-21
Company: PHH Mortgage Services Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage Services of XXXX XXXX New Jersey refuses to release me from their private mortgage insurance unless I succumb to their extortionist demands. According to THEM my home is worth {$230000.00}, according to THEM I owe them around {$160000.00}, yet despite them saying this, they refuse to remove the Private Mortgage Insurance on my loan and are trying to extort me for additional money. This is completely unacceptable and they refuse to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Sigue Corp.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Sirs, I went to XXXX XXXX XXXX money transfer agent which located in XXXX XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX to mail {$2200.00} to my account in XXXX. But until now I'm not get the money, i complaint right now, please supervise XXXX XXXX XXXX and Sigue Corp. transfer my money to my account which i gave to them and help me get my money. 
All documents in the attachment You are appreciate and looking forward reply! 
Best regard! 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-01-25
Company: Avadyne Health Holdings, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
H & R Accounts is collecting a debt for XXXX XXXX XXXX. I am a XXXX veteran, who receives full medical benefits on behalf of the XXXX XXXX and have sine XXXX. All of my medical claims were paid by the Government. This is the only claim submitted for my full inpatient stay in XXXX. The amount was for originally XXXX and paid according to the VA. I am not responsible for this collection and it should be submitted to the appropriate company for processing. I contacted the company 5 months ago and they stated they would follow up with the original creditor and resubmit for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX concerning a paid off account since XX/XX/XXXX. I was told that there is nothing they can do about it and they can't take it off my credit report. I can't get a mortgage loan due to this account. The company could not help me with this unfair situation. Right now the account is paid off and they can't still do nothing about 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 2023-08-08
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX : XX/XX/XXXX SSN : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After filing complaint XXXX with the CFPB on XX/XX/2019 ( and a duplicate complaint to a different company listing for " Wells Fargo Home Mortgage '' on XX/XX/2019 ), I have received numerous telephone messages from the " Wells Fargo Division of the XXXX XXXX XXXX '' informing me that they are actively " working to address '' my mortgage complaint. 

Although the voicemail messages sound authentic, I don't believe the CFPB ( or any government agency ) maintains a " Wells Fargo Division '' at this time.

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 2018-05-21
Company: Avant Credit Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They said we took out a loan with them and we did not they refuse to correct their error they have the wrong date of birth wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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:
^^^^^^^ Dear the " '' governor '' ''. I am **XXXX  XXXX . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-10-03
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have a small business and I XXXX XXXXXXXX XXXX and I would send invoices and today they deactivated my account and the thing is that they are holding my money in the account for 90 days. I need the money to keep running my business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Nelnet, 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 status incorrect

Complaint:
I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. XXXX and XXXX are reporting my Nelnet student loan as late when it should be as what XXXX is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAY XX/XX/2020 1 APPLIED FOR AN AUTO LOAN AND UNFORTUNATELY WAS LOAN NOT APPROVED BECAUSE WHEN THEY RAN MY CREDIT. I WAS TOLD THAT THERE WAS AN ACCOUNT IN DEROGATORY STANDING ON MY REPORT. I DON'T KNOW WHAT THEY ARE TALKING ABOUT SO I LOOKED THROUGH MY CREDIT REPORT MYSELF AND SAW THE ACCOUNT THAT DOES NOT BELONG TO ME. THE ACCOUNT IS NET CREDIT-XXXX .... {$7300.00}. I DID NOT OPEN THIS ACCOUNT AND I DID NOT ALLOW ANYONE TO OPEN IT IN MY NAME USING MY PERSONAL INFORMATION. I DID NOT BENEFIT ANYTHING AS A RESULT OF THIS ACCOUNT BEING OPENED IN MY NAME WITHOUT MY PERMISSION NOR DO I HAVE A CONTRACT OR AGREEMENT WITH THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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 noticed I had a fraudulent account on my credit and I have tried to remove it, but the bureaus have ignored me claiming that this was not sent by me. yes it is sent by me! please remove this fraudulent account.

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 2019-11-05
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill under previois married name from 2007 that i was unaware was even associated with me. The collection agency is Convergent in XXXX Wa. I've only recently signed up for XX/XX/XXXX in the past 3 months. Upon numerous attepmts to speak with Convergent ( any info I enter sends me to voicemail saying there's no one available to speak to ), i got ahold of XXXX. The representative told me this was from 2007 and in my previous married name. I explained i wasn't even aware of this account and if the debt was from 2007 how the XXXX are they attempting to collect more than 12 years later. The letter offers a 3 payment options and states they are not required to offer this to me and if i dont comete 1 of they're options ( or contact them ) they will proceed with further action.

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 2023-01-25
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had a house fire in XX/XX/XXXX I sent flagstar my claim check to pay off my house and then was to receive the rest of my claims check back they received my check XX/XX/XXXX XXXX XXXX and it's now XX/XX/XXXX XXXX XXXX and I have nothing back!! iv called and called and every time I get the run around no one knows nothing absolutely ridiculous!! they even lied saying it was sent out and it wasn't I checked with XXXX directly!!!

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 2021-11-05
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: Account status incorrect

Complaint:
Vehicle was paid off on XX/XX/XXXX they are reporting loan still active and late for XXXX. I have made four calls and disputed with all three credit agencies. Still showing active and late payment. Today the denied us for a new loan for another vehicle. I have hit road block after road block with this issue. 

Company is 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 2023-05-19
Company: ALLY FINANCIAL 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:
In XXXX we had to have two cars repossessed voluntarily due to job loss regarding a federal court case of foreclosure. My husband 's wages were garnished for the loan balance, which is being misreported on all bureaus. In XX/XX/XXXX, he was released from any obligations because the balance was brought to zero. We have been back and forth with Ally Financial and the credit bureaus to be taken off the report or updated as paid in full. I have been sent the letter from ALLY Financial and the attorney 's office that filed the wage garnishment. Ally says to work with the credit bureaus as they know it should not be reported. The FCRA has changed its laws regarding reporting debt on credit reports of three years. We are being hindered from moving forward in life.

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 2019-11-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A credit card with a limit of {$1000.00} USD was opened under my name and social security number by PayPal. I have never used PayPal services nor have I ever had an account with PayPal. I was first made aware of the account when it appear on my credit report. I have since requested the account be closed through synchrony bank and reported the incident to the credit bureaus. Its alarming that PayPal is in the practice of opening accounts unbeknownst to the consumer. These practices seem predatory and should be reviewed a little closer.

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