BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I 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 explanation
Consumer complaint received 2017-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous XXXX & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the companyXXXX & affiliates for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX XXXX XXXX ( where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
what the XXXX is going on? on XX/XX/2021. I sent you a letter regarding these inaccurate things on my credit report but to this day over 45 days already, I still got no response. I was told that the FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor get any response. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2021-08-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ACCOUNT RESOLUTION SERVICE plus they did not provide me with the original application like I asked. 

Account XXXX XXXX XXXX : {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: ENCORE CAPITAL GROUP 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:
XXXX XXXX {$1600.00}. XXXX off and on for years Wrong addresses Hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2017, I discovered that my XXXX checking account had been hacked and the hacking had been going on since late XX/XX/2017. Copies of all my statements showing the hacking are attached, along with my letter to XXXX. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous PAYPAL accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and XXXX refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number generated by PAYPAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
what the XXXX is going on? on XX/XX/2021. I sent you a letter regarding these inaccurate things on my credit report but to this day over 45 days already, I still got no response. I was told that the FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor get any response. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I started paying my consolidated loan with Sallie Mae in XX/XX/2003. I began paying based on my income. I asked at that time if this consolidation would help me get the XXXX  Loan Forgiveness. They said as long as I made income-based payments and made them on time. My loan was moved to Navient. I continued to certify every year my income and make my payments based on 15 % of my salary. I am XXXX years old and going to retire. I applied for the XXXX Loan Forgiveness, and they said I didn't qualify because of a Parent Plus Loan that was consolidated. I kept trying to find information, but could not get any answers. I applied again and was told that I do not qualify. So I had XXXX XXXX look into my loan repayment options. They told me I had to apply through XXXX for a new consolidation, and work 10 more  years in a public service job. I called XXXX and they put me through to the XXXX who said that although my loans don't qualify, public service loans are forgiven after 20 years from any lender and I should call Navient and find out how many more payments I need to make after paying for 16+ years. I called Navient and they said that they do not do XXXX Forgiveness, or any public service forgiveness, that none of my 16 years of payments qualify, and I would have to consolidate through XXXX. She said that my loans are FFEL loans through the government, and they do not qualify. I asked what the difference was as they came from the government and she had no real answer. I asked why none of this was explained 16 years ago, and she was SO VERY SORRY. I did ask if the loans would be discharged upon my death and she said yes. I think that this is criminal. I have worked for 24 years as a XXXX XXXX XXXX  in a rural community at extremely low pay. My loans are now in excess of 100K because of deferments, and income based repayments. And I have no way of ever repaying this loan, all based on lies from the loan servicer ( Navient ) and the Federal Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a guitar amplifier on XX/XX/2020. When I received the item it was damaged and missing a part to be able to use the item. I have filed a dispute with the credit card company twice and both times they sided with the merchant. I did everything they asked. I produced all documentation and photos. I contacted the merchant to schedule the item to be returned. He never answered. The purchase price was {$5500.00}. The credit card company is citi card. This has been going on for four months and all I want to do is return a damaged unusable item for a refund

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-06-09
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I seen that on my XXXX XXXX account that my score went down by 88 points due to a Eos Cca ) XXXX? From XX/XX/2018? I have no idea what that even is.. I have not apply for anything or nothing..only bill I have is a car payment! I just had a credit repair company fix my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous Navient & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the XXXX & XXXX for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX University XXXX XXXX where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Stilt Inc
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
As per advise from the lender more tan 50 % loan repaied. 
Requested the Lender in question to remove deliquent notice and allow partial payment as I do not have any income since XX/XX/2020 as I have been furloughed and I am at my wits end. Still then I managed some payment till XX/XX/2020. 
The lender STILT is sending threatening notice. 
They are threatening with legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Account information incorrect

Complaint:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the inaccuracies.

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 2020-06-25
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Amount : {$14000.00} XX/XX/2015 The signature was obtained by false pretences with the intent to cheat and defraud. 
I was lead to believe that I was just a reference to help the primary buyer. 

The dealership conducted the transaction in a manner that created a likelihood of confusion and misunderstanding. The contracts were signed separately. 
The primary buyer drove to my house to obtain my signature. I didn't have any form of communication with a representative from the dealership. I was never physically present at the dealership. The dealership and I never correspond nor did we communicate via phone or any other type of digital/non-digital form of communication. This process was initiated and finalized without my involvement. by the dealership, Ally Financial, and primary buyer. 

The legitimacy of the loan documents can not be validated by any witness. most importantly, it is impossible for any of the parties involved to produce said document with a notary seal and signature. 

The dealership fostered an intense sense of urgency ; significant enough to motivate the primary buyer to produce a cosigner. They had a reckless disregard for the truth. The result was intentional misrepresentations and Fraud. In addition, the lender, ( Ally financial ) did not perform their due diligence and enable the dealership to comfortably engage in fraudulent business practices.

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 2020-09-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit reporrt is showing Late XX/XX/XXXX and XX/XX/XXXX My accounts are on auto draft and I have never paid late and all payments come out of my accoynt every month as sheduled I was never notitified that my account was delinquent

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 2021-08-19
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Spoke with American Express agents XXXX ID XXXX, XXXX ID XXXX from the Fraud department. Trying to clear some fraudulent debts from my name. That still hasn't been cleared from the back office from American Express. Both agents apologized as they stated American Express fraud claim procedure normally is handled and resolved in a timely manner. 

These accounts reflect balances that were a result of fraud and unauthorized purchases. 

GOLD : {$3800.00} GREEN : {$1700.00} BLUE : {$1200.00} I mailed by certified mail last year the statements to American Express however the balances were never cleared. 

I am attaching to this complaint the statements highlighted with the fraudulent charges to clear the matter and debt from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Summary : Equifax credit bureau has placed an extended fraud alert on my credit file without my knowledge or consent and has not listed my current phone number for creditors to contact me to verify my information. I am currently trying to apply for credit and have been advised that Equifax has an extended alert on my credit file. I was told that until Equifax removes alert or adds a phone number, my applications have been denied.

In XX/XX/XXXX, an Equifax representative told me that I have two credit files under my social security number which is why I have difficulty ordering Equifax reports online. The rep stated one file showed I had an existing mortgage loan. I confirmed that I did not have a mortgage loan, and I was transferred to Equifax fraud department. A rep in the fraud dept stated he only could see one file.

In XX/XX/XXXXand XX/XX/XXXX, I tried again ordering Equifax report online and was asked the same 4 questions about a mortgage loan and a department store card. I answered the questions accurately and again I was denied online report. I called Equifax again and complained, and was told that I only have one credit file. No one could tell me why I was unable to get report online.

On XX/XX/XXXX I applied for two credit cards online.On XX/XX/XXXX I tried getting Equifax report from Equifax website. I was asked the same questions regarding a mortgage loan. I was denied my Equifax report. On XX/XX/XXXX, I called Equifax and explained my situation again. The rep assured me I only had one credit file and he confirmed the same information I gave in XX/XX/XXXX.

On XX/XX/XXXX I was denied credit because Equifax has an extended fraud alert on my credit file and there is no listed phone number for a creditor to contact me to verify my identity. On XX/XX/XXXX, I contacted Equifax 3 times. The first call at XXXXEST, the rep verified my identity and assured me that my credit file was open and there was no active fraud alert. I called the credit card companies back and spoke with their fraud dept. I was told again that Equifax was the only credit bureau that had the extended alert and because they have no phone number listed my application could not be processed. At XXXX   EST, I called Equifax back and asked for a supervisor, I was transferred to a automated voicemail that asked me to enter my password. At XXXX, I called Equifax back, I spoke with a supervisor that asked me questions I did not understand. I felt like she was giving me " the run around ''. I told the supervisor that this made no sense. An unauthorized alert was placed on my account which is causing me grief. I verified my phone number with every Equifax rep I have spoken with in XX/XX/XXXXand XX/XX/XXXX, yet no phone number was added to the unauthorized alert.

Company response to consumer: Closed with explanation