BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In a notice letter dated XX/XX/2021, I, XXXX XXXX XXXX, ( a " consumer '' ), did hereby provide written notice to TRANSUNION CONSUMER SOLUTIONS ( a " consumer reporting agency '' ) of a violation of my rights as defined by U.S.C. Title 15, Chapter 41, Subchapter III 1681b with written instruction to delete specific inaccurate and unlawful data furnished to my consumer report. The notice letter was sent via certified mail with confirmed receipt and courtesy copies provided via email to Transunion 's executive staff members with facts and law. As of today, XX/XX/2021, I have confirmed Transunion has not adhered to my written instruction and continues to furnish the data specified as impermissible to my consumer report. The Office of the Law Revision Counsel of the U.S. House of Representatives publishes and prepares the United States Code pursuant to Title 2, Section 285 and publicly furnishes U.S.C. TITLE 15, CHAPTER 41, SUBCHAPTER III, 1681b of Permissible purposes of consumer reports at us.house.gov where it clearly states ( 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Billed by Monterey Collections {$420.00} OPENED ON CREDIT REPORT XX/XX/XXXX. ( 3 yrs 8 mos ). 

Total billed by XXXX XXXX XXXX on XX/XX/XXXX to me Full balance {$330.00}. 
I payed {$99.00} the day of order, leaving a balance due of {$230.00}. 

I owed {$230.00} NOT {$420.00}. 
Monterey Collections refused this information. They will not budge. I contacted XXXX XXXX XXXX they said it would be taken care of. 

Monterey Collections is argumentative and carry a extreme righteous behavior. I have disputed this with XXXX. I have tried to pay my part of {$230.00} based off my XXXX XXXX XXXX INVOICE. One person is handling this account and will not BUDGE. 
1 DERAGATORY Mark opened on XX/XX/XXXX by MONTEREY COLLECTIONS remains to this date ON my XXXX Credit Report XXXX XXXX {$420.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have several store credit cards with sinchrony bank. Last month all of my credits cards with them were maxed out with several large purchases in different stores all over the united states. I reported this incident and they were quick to resolve this issue. The problem now is with the new cards i was given and accounts, XXXX of the new accounts given by them was again charged with a purchase i did not do. I am concerned that their cyber security is not up to part. How is it possible for this to happen to all the credit cards and the after they have resolved the issue it happens again. I do not trust synchrony any longer and i am not able to close the accounts either.

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 2022-08-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this 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 2018-10-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX Account XXXX says I have 2 missed payments on my credit report. I have disputed this with the credit bereau and it still remains. I have spoke to the manager at XXXX and he says he do not see any late payments in his system and dont know why it's on my credit report. He is the one that said I should file a dispute and he explained the false report would be removed. After investigation it still remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: AES/PHEAA
State: CA
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:
What school were you attending when you got the loan? 
This question was posed earlier in the form but it only allows you to input one school. I pulled out loans while I was attending the following two schools : -XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX , CA ) -XXXX COLLEGE ( XXXX, MI ) Issue : I started employment at a XXXX   organization ( XXXX XXXX ) on XX/XX/XXXX. This non-profit qualified for the PSLF Program. However, not all of my payments have been attributed to PSLF Program while working at the non-profit. XXXX XXXX acknowledged the error and provided two reasons why this happened : Reason 1 ) Some of her payments were not categorized as PSLF because they were overpayments, and if they are overpayments, they are disqualified as PSLF payments. Payments must be the exact amount due. Two things to fix problem. 
1 ) Turned off notification that disqualifies her payment if it's an overpayment - DONE.

2 ) Request put into accounting to do an audit. Go back through all of the payments made from XX/XX/XXXX ( The XX/XX/XXXX payment will not count because she started working at XXXX XXXX after she made payment for that month ). Identify payments that were overpayments, remove the disqualification status and then marking the payment as PSLF. Case # XXXX. This will take 2-3 months. ( XX/XX/XXXX will mark 6 months from today ) Once its completed, XXXX will send letter in mail. 

Reason 2 ) Not all loans at the time XXXX began employment with XXXX XXXX qualified for PSLF.  It was not until they were consolidated in XX/XX/XXXX that they qualified for PSLF. This is subject to debate because XXXX previously gave XXXX the impression/verbal that all her loans did qualify for PSLF. This may have been a consolidation error. 

We checked on the status of this issue on the following five dates but the phone representatives did have any additional information : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX, we are still awaiting resolution to this issue. Details may be found in the attached XXXX XXXX Event Log. Please note there are two tabs in the spreadsheet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Freedom Mortgage Company
State: VA
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 acquired a mortgage with JG Wentworth XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX acquired my loan and instructed me to make payments to XXXX XXXX beginning XX/XX/XXXX. My payment was made to XXXX XXXX on XX/XX/XXXX and processed by my financial institution on XX/XX/XXXX. 

In XX/XX/XXXX I applied for a refinance and was denied because JG Wentworth placed derogatory credit information with XXXX XXXX. My credit reflected late payments of 60+ days for erroneously reported missed payments for XX/XX/XXXX. In an attempt to rectify the information, since the payments were no longer due to JG Wentworth during the time reported to XXXX, I found that JG Wentworth was no longer servicing mortgages and did not have contact information to dispute any information presented to the credit bureaus. The phone number listed on my credit report XXXX XXXX XXXX XXXX is no longer in service. My only resolve was to file a dispute with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX XXXX  returned the investigation results and verified the disputed information as accurate, denying my dispute. In addition, XXXX updated the information on my credit report, pertaining to JG Wentworth account, to reflect a Pay Status as 'Account 60 Days Past Due Date ' for the payments due XX/XX/XXXX and XX/XX/XXXX. The additional details were not only inaccurate but severely damaging my credit score. 

Upon contacting XXXX XXXX disputes department by telephone on XX/XX/XXXX, I was informed that all information was verified by the creditor electronically and they could not make further changes. They instructed me to call the phone number on my credit report. This phone number to JG Wentworth is not in service.

JG Wentworth 's erroneous reporting of my credit information has caused me to miss out on refinancing offers that would have benefited my family and I financially. Further damage was caused when JG Wentworth increased the amount of months reported past due to XXXX XXXX. My credit score has  substantially dropped due to the additional false information. I am now below 700 and can not acquire mortgage products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
I did not authorized an transaction coming out of account ending in XXXX of {$88.00} the bank of Santander located at mail code : XXXX XXXX XXXX XXXX XXXX, MA XXXX, I have file a dispute and the dined my dispute and is charging me overdraft fees and interest that not fair to my self, I still dispute this {$88.00} that cause my account to be over drawn sine the XXXX of XX/XX/2019, the phone number to this bank is XXXX, I need my money back into my account I have other bills that are coming and causing my accont to be over drawn, I am XXXX and can't afford the fees they charing me, this unfair, unjust, bad business as a bank to this unjust practice, unethical I want my funds back into my account with the the over draft fees took off.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my innumerable to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-10-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been struggling with Navient and their repayment options for a while now. I have 4 separate loans but one in particular they just wont help me with now. The total is {$20000.00}, signature loan XXXX. 

In XXXX I had spent 2hours in the phone with them so they can fix it. They told me they did I have confirmation numbers that I will be paying {$150.00}. I called recently and was informed that, that loan was never eligible for a repayment plan and aside from the {$150.00} that I am already paying for the other loans I would have to pay {$300.00} for this one payment alone. 

I submitted my financial statement before it was due and I have stressed to them that I can not pay that. 

Yesterday XX/XX/XXXX i spoke to an agent XXXX who stated that they are not obligated to help me find other options, that again I was never eligible for a repayment plan and that he is sorry the truth is ridiculous. 

I asked to speak to his manager XXXX who wasnt as rude but not helpful either and he reiterated the same thing. So not only did they misinform me in XXXX but now they arent willing to correct their wrong and are trying to make me pay what I cant afford. 

I am not paying off a car or credit card .. this is a student loan that was taken out through XXXX XXXX at the time at the age of XXXX and I regret I ever did. 

This is not the first time I have an issue with them. In the past they have taken my payments and have not disbursed them as they were suppose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Paypal Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am short on funds this month and used Paypal 's Pay in 4 installment loan to pay for a large purchase that could not be delayed. My first payment of {$69.00} went through without issue on XX/XX/XXXX. The rest of my payments were scheduled 2 weeks apart. I like to control my finances as much as possible instead of letting my money being taken automatically whenever possible. My next payment was scheduled on XX/XX/XXXX. I got my paycheck direct deposit on XX/XX/XXXX and used part of it to manually submit {$69.00} for my second payment.I expected my loan status to show 2 of 4 payments complete but instead it showed 3 of 4 with one remaining. I was charged for an extra payment I did not authorize Paypal to make a seond payment on the XXXX. I spent the next day leaving messages to paypal 's customer service because Live chat was no available. I was repeatedly told it could not be reversed and nothing could be done even though I did nothing wrong. All I want is my {$69.00} back so that I can pay another bill this week. I would then pay the 3rd payment on XX/XX/XXXX as planned. Paypal is forcibly denying that normalcy due to their failure to properly charge me only once. Paypal does not even let me claim a problem with the transaction through thier own Resolution Center. It instead offers me a link to look at the User Agreement. I looked over the agreement but could not find any section that shows Paypal is in the right here, but to contact the Resolution Center if there an issue. The company is sending me in circles in order to fix thier own mistake to give back the moeny they stole from me. I have also disputed this with my bank but have not yet heard a final response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency ( Portfolio Recovery Associates ) is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Phoenix Financial Services LLC
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:
Phoenix Financial Services has placed a delinquent account on my credit report that depicts the wrong information. The account XXXX XXXX XXXX XXXX was incurred in XX/XX/XXXXand this collection agency is stating on my crit report it was incurred on XX/XX/XXXX. 

This reporting is in error and I ask that the matter be handled accordingly. 

Further, I want to verify that legally this account should be removed from my report 7 years from the DATE OF ORIGINAL CHARGE. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get validation of the debt and all I keep being told by company that it is valid and I advised the company that I was a victim of Identity Theft and I needed validation. I disputed with the credit reporting agencies and the credit reporting agencies have my identity theft packets. XX/XX/XXXX-XX/XX/XXXX XXXX {$260.00}

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 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Sent certified letter to XXXX XXXX XXXX and company failed to comply with FCRA guidelines. Requested written verification of inquiry ; no response.

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 2021-10-14
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: GA
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 # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have never shopped or did business with this company, XXXX. I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Experian Information Solutions Inc.
State: PA
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:
Sent certified letter to XXXX XXXX XXXX and company failed to comply with FCRA guidelines. Requested written verification of inquiry ; no response.

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 2022-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX continues to report inaccurate information to my consumer credit file. This account was fully paid off by my insurance provider due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. By reporting this account inaccurately XXXX is in violation of the FCRA. This account was fully paid off.

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 2019-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Spoken with Capital One via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.

Company response to consumer: Closed with explanation