BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need to have my credit report reviewed by someone that knows what they are doing! 
I have been in OHIO for over 10 years I have addresses on file that I never lived at. My name is XXXX XXXX XXXX not XXXX XXXX XXXX. Please correct. I live at XXXX XXXX XXXX XXXX, OH XXXX : please delete XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX. The following companies and account I do not recogize as doing business with these companies : XXXX XXXX XXXX TES55228** XXXX XXXX XXXX 522126000023**** XXXX XXXX XXXX XXXX XXXX XXXX 26781** XXXX XXXX XXXX 3000017425527**** XXXX XXXX XXXX 8147**** There is plenty of case law and provision to protect my credit from inaccurate information XXXX vs. TransUnion , XXXX vs. TRW ( XXXX ), and XXXX vs. XXXX , XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

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 2020-07-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my PayPal extra MasterCard full balance {$270.00} XX/XX/2020, came out of my bank account XX/XX/XXXX. As of XX/XX/XXXX, it has still not posted. I called a rep and I was told there was a 14 day hold on the payment with 9 days left. I was not notified when I made the payment. Rep said customers have to call in to find out there is a hold. 
I spoke to a supervisor, but got no where. I have been impacted by covid19 and the money I was to use to pay bills is on hold.

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 2019-03-13
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX Ive never been seen at this place before. I never received any information nor phone calls that I owed a debt. I called to see what it was for because it got placed in collections and added to my credit report. I talked to someone that stated they werent sure but it happened in 2015. With no attempts to let me know this was even active. The credit agency is Midwest Recovery Systems who Ive never heard of. For {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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: Information belongs to someone else

Complaint:
After reviewing my credit report, I found an account that was not authorized by me that's significantly impacting my credit score. This is an error or a result of malpractice.

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 2020-11-19
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:
After reviewing my credit report, I found an account that was not authorized by me that's significantly impacting my credit score. This is an error or a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: SLM CORPORATION
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My mother consigned with me. We are both out of work right now and we both told the company that we needed to temporarily stop payments until we both get jobs. They have stopped calling my mother but I get at least 3 phone calls a day from them saying I need to make a payment or face a delinquency mark on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Caine & wiener is reporting a debt on my credit reports. XXXX is listed as the original owner. However, XXXX  was notified that the vehicle was repossessed XX/XX/2021 and therefore there should be no balance owed. Documentation to support this was sent to XXXX However, this is reporting as valid and it has not been validated or verified. It is causing issues with me getting an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had a credit card account with Capital One since XX/XX/XXXX. It is my second oldest credit card and has a high level of importance to my overall credit score due to the age of the account. On XX/XX/XXXX, without any advanced warning, notice, or attempt to contact me, Capital One closed my account due to inactivity. Within an hour of receiving the closure notification via email, I contacted Capital One 's customer service phone line in an attempt to get my account re-opened. The customer service representative took a moment to examine my account before informing me it could not be re-opened because it had been inactive for 24 months. I explained that I was unaware of this 24 month rule ( it probably wasn't in the original agreement I accepted 9 years ago ), and that I would certainly make more efforts to use the card if they could have the account re-opened. The representative was unmoved. I requested to speak with a supervisor hoping someone at a higher level of authority within the company could assist me. After a terse " hello '', the supervisor immediately shut me down by repeating the same line as the original service rep, that my account could not be re-opened and the decision was final. I told the supervisor how surprised I was that, after a nearly 10 year financial relationship with Capital One, during which my credit card account was always in good standing with no missed payments, they would close my account without warning. The supervisor told me it was just a business decision, not a big deal. Well, it may be just another " business decision '' for Capital One, but for me it's a negative hit to my credit score that impacts my ability to borrow money or open credit accounts in the future. The fact that they would do this to me in the middle of the COVID-19 pandemic, when I have a myriad of other financial concerns to address, made it especially painful. Just two months ago, I received an email from Capital One saying they were here to support me during these uncertain times. You know how they could have best supported me during these uncertain times? Maybe by not dealing a blow to my credit score by abruptly closing my second oldest credit card account in the middle of a worldwide pandemic. 

I get that this credit card closure was probably an automated action that takes place after a certain number of inactive months, but I'd like to think Capital One is a corporation with some humanity, that can make exceptions and show flexibility to help me in this situation, rather than a faceless corporation that leans heavily on rules buried deep within credit card agreements to XXXX punch my financial situation when the chips are already down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive put I. Multiple disputes with Experian regarding XXXX XXXX personal loan reporting 60 days past due XXXX - XX/XX/XXXX. I submitted documentation provided loan details never late. However its was removed from the Experian profile so how it reporting again as 60 days past due which its hurting my credit score. This negative information is impacting my credit worthiness. I spoke to a supervisor on XX/XX/XXXX her name is XXXX reference # XXXX. She open another dispute with XXXX XXXX. This the 6th dispute within a year.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have problem with XXXX  Credit Bereau. XXXX  reporting my information to other parties with out my consent and they stole my all personnel information like SSN personnel email and personnel address. because of this personnel information breach i am getting unknown calls from unknown people , threaning me , sending XXXX messages to my mobile harrassing me by calling from unknown numbers . this is because of XXXX  sending and sharing my information to other parties. and XXXX  showing falsify information on my credit report beacuse of that iam paying 18% APR every month. i have been paid 4500% interest in just two years because of XXXX falsify credit report. iam going to file a law suit against XXXX. we are struggling her becuase of XXXX. not getting any bank cards any other credit cards, and not able to refinance my car too. we are struggling because of 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 2021-08-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient will call multiple times a day, literally every hour. As of XXXX  today, XX/XX/2021, navient has called at XXXX, XXXX, XXXX, and XXXX. Since XX/XX/XXXX, they have called 22 times. These phone calls are excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has sent a collection to the credit Bureaus. I cancelled my policy on XX/XX/XXXX and started a new policy with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I previously had taken out two of these loans and paid them off without issue. Each time the payoffs came from my XXXX checking account. This company also charges a membership fee and that charge comes every two weeks. If you do not pay the fee, they freeze your account. This is important because when you take out the loan you only get some of the money, with the rest of the money coming after the loan has been paid off. If your account is frozen, even if you pay off the loan, you don't get the money that is in escrow. 
At some point there was an issue with this membership fee which they acknowledged was their error, yet still they put a freeze on my account. In order to get the account active again I gave payment information for a XXXX checking account that I have. The membership fee was processed and the hold removed. 
I subsequently took out a third loan. Without my permission and despite the fact that I had used the chase account for all loan payments, moneylion begin to attempt to debit the XXXX checking account to pay off the third loan that I took out. I don't keep any cash in that account and consequently I was hit with overdraft fee and seven NSF fees that total over {$270.00}. I asked moneylion to please contact XXXX and let them know that these charges were in error, that way I could recover the overdraft fees. Even though they acknowledge the mistake, Moneylion refused to assist. This despite the fact that I indicated that I would pay off the current loan as soon as they contacted XXXX. When you consider the fact that 45 % of the loan amount is sitting in an escrow account, and the problems that they've created and acknowledge but refused to correct, it seems a little unfair that I would have to bear the financial burden of this shoddy operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, 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:
i have problem with Equifax Credit Bereau. EQUIFAX reporting my information to other parties with out my consent and they stole my all personnel information like SSN personnel email and personnel address. because of this personnel information breach i am getting unknown calls from unknown people , threaning me , sending XXXX  messages to my mobile harrassing me by calling from unknown numbers . this is because of EQUIFAX sending and sharing my information to other parties. and equifax showing falsify information on my credit report beacuse of that iam paying XXXX APR every month. i have been paid XXXX interest in just two years because of EQUIFAX falsify credit report. iam going to file a law suit against Equifax. we are struggling her becuase of Equifax. not getting any bank cards any other credit cards, and not able to refinance my car too. we are struggling because of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The law is clear and protects its consumers. It must be deleted as per FCRA without factual information. The US Bankruptcy Court does not refer these matters to other agencies. They don't check or update credit reports either. Bankruptcy information is public information as per stated when I spoke to staff member XXXX in the Bankruptcy department. If the Credit Bureau has to get information from the source, tell me how did you get the information you put 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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion credit customer service refused to release a credit freeze which was placed on the account. The credit freeze has a pin number and when asked to remove the freeze or reset the pin the company refused to send a new pin to the address on record. After answering the security questions correctly, the company argued about the answers they were given. They wanted me to answer questions which were not security questions. They were not multiple choice questions to verify my identity. I was asked to tell them who I have an existing loan with, not a series of answers regarding which is correct. After answering correct, they refused to send a replacement pin or lift the security freeze.

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 2021-01-27
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
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:
While renting at XXXX XXXX XXXX XXXX for over 2.5 years, we decided to buy our own house and we acquired the property last XX/XX/2020. 
But before we start shopping for houses, we considered our rental duty which is renewed yearly every XX/XX/XXXX. 
We consulted the apartment management AHEAD, what shall we do to avoid paying the rest of the yearly contract in case we move earlier than XX/XX/XXXX. 
As we agreed upon if we can look for tenants that will replace us we will be free of liabilities. 
Even we found the tenants that replaced us quickly, I still pay rent for XX/XX/XXXX to give us time for moving and cleaning the apartment because I was hoping they will refund my {$1000.00} deposit. 
Instead of refunding my deposit, when new tenants moved, this XXXX charging me to pay the XXXX and XXXX, which breaking our verbal agreement. 
They threatened me to be sued, put in court. 
I refused, reasoning that if I paid XXXX and XXXX they are earning double because I found the tenant for them currently renting. 
So they went back last XXXX by using a debt collector Evergreen Professional Recoveries, fabricating other issues of damages because I didn't buy the 1st charges they are trying to collect. 
Suspiciously, they never asked for it from the very first, what they charging me is for 2months rent instead. Since I never agree they invented these lately.

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 2020-11-21
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: Their investigation did not fix an error on your report

Complaint:
This involves a collection dispute. I have never heard of this company that have listed an item on my report for collection. I do not have an account with them and have never had an account with them. 
i disputed this item on Experian credit report. They could not provide info on the validity of this collection account, how ever they reported it as accurate without any difinitive proof. 
they merely rubber stamp what the collection company said without investigation an proof. 
I demand strict 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