BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize ; then again on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay ; this is negligence on the part of TransUnion, XXXX  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There also was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: DISCOVER BANK
State: NY
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:
Hello, My name is XXXX, I have been a discover card member for several years. During my years with discover I had several financial struggles which led to the misuse of my credit card. I recently graduated from college in XX/XX/XXXX, and I paid off my remaining balance as soon as I got a stable job. I am writing this letter to ask if it would be possible to remove the two 30 day missed payments in XXXX and XX/XX/XXXX that I acquired during my time with discover. My goal was to pay off this card and I did. I would really like it if you could remove these two late payments. I am currently working on improving my credit score by paying off the debts that I acquire during college. I plan on going to grad school in a couple of years and I need to improve my credit to obtain loans. I am asking if it is in any way possible to remove those 2 missed 30 day payments. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged {$250.00} in overdraft fees on XX/XX/2021 that have no correlation to an actual overdraft. Citizens Bank reorders transactions behind the scenes in the most underhanded, cynical way possible to artificially create microsecond overdrafts and then charges you obscene fees for these artificial overdrafts it has created. All throughout the day of XX/XX/2021, my account balance was positive. And on XX/XX/2021, my account balance was also positive. But according to Citizens Bank 's 'eNotice ', there was some abstract moment of time between days where its systems reordered all my transactions with all debits first and all credits last so that it could artificially create a negative balance.

I've tried to talk to Citizens Bank customer service reps and they can't do anything. I don't fault them, they're all forced into this as part of their job and at the mercy of the computer system. But they couldn't do anything for me even though they understood my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept 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 non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove this inquiry from my credit report immediately as it is not mine,

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 2020-01-24
Company: Liberal Finance Service
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today I received a letter in the mail from a company I never heard of and was not on my credit file threatening to sue me. I have no idea what this company is, the services they provide, how much they claim I owe and if anything what services I was provided. I need to be provided with an original contract with my signature, social and copy of identification. What dates I was supposed to have acquired their services and on what grounds am I to be sued. As per section 609 and 611 of the Fair Credit reporting act I am within my rights to request from them 100 % proof not copies of any bill as to what this account is for and it's mine.

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 2018-04-03
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
After I contacted CFPB about this Navient issue, due date was postponed to XX/XX/XXXX,  according to the attachment. Shortly after, Navient changed the due date to XX/XX/XXXX. 

Due date should be XX/XX/XXXX and not XX/XX/XXXX Last year, I sent multiple requests to Navient to correct the date of the Deferment or Forbearance or whatever you want to call it at Navient. 


My priority is to finish what I started over here ... At this point, the focus is on completing the education to become licensed in XXXX. I am doing combined XXXX/XXXX/XXXX program in XXXX. 



I owed the U.S. government much more money than Navient/XXXX. Despite XXXX  is no longer approved to receive Federal loans, U.S. Dept. of Education is collaborating and reduced my payment to XXXX per month. Navient/XXXX are known to give students a hard time. 


Again, as I can not make any payment at this time. Co-signer can not make any payment either. Stop harassing the co-signer. 


This Navient loan was processed in a cheating way via XXXX and XXXX. I applied for federal loan first XXXX and XXXX had refused to process the federal loan but XXXX XXXX private loan. XXXX   was still eligible for Federal loan. Then XXXX and XXXX forced students to find a co-signer or drop out of school. I and other victims found out about the scandal because there were two U.S. military students in school who got their Fed loans processed directly ... So it was a lie, to get student to take private loans from XXXX, instead from U.S. government. Other students, like myself, complained about it. XXXX  never provided an explanation. 


Navient/XXXX are being tolerated. If the system was functioning correctly, I and none of my classmates would sign up for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXXata Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have faxed over documents to Midland Funding on XX/XX/2022 for a debt validation for {$610.00} per the Fair debt collection practices act, 15 usc 1692g. I requested they office provide me with competent evidence that I have any legal obligation to pay them. They have failed to provide me that information, instead they provide what looks like an old bill from an unknown address. They also failed To stop telephone contact after my cease and desist to stop phone call attempts. *Documents are attached of what I sent company and what company to to my response*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from Online Information Services on XX/XX/2023 regarding a supposed debt with creditor XXXX XXXX XXXX for an address and account in XXXX TX on which my name and social security number was used. I called and reported that this was not my debt. Representative XXXX advised me to file a police report and stated they would send me a fraud packet. They sent it to my old address ; it was dated XX/XX/2023, but I did not receive it until XX/XX/2023. I called again and reported that I had just received the packet, which said if it was not returned by XX/XX/XXXX, the debt would be assumed to be mine. I explained about the mailing address issue and they said to fill the paperwork out and send it back and they would still take it. I filled it out and sent it back as directed with a copy of the police report and a utility bill establishing my residence during that time as here in XXXX XXXX. I received another fraud packet a few days after I returned the first one, which I disgarded after reviewing to determine that it was exactly the same document as received previously. Today, I received a final decision in the mail saying that the debt has been determined to be mine. The only source of proof they offer is a statement from the utility company. The debt is NOT mine. I have never lived in XXXX, Texas. I have never had an account with XXXX XXXX. It is clear they took none of my documentation into consideration and in fact when I called today they said they'd never received it and the debt was assumed to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have been trying for over a year to dispute two accounts from XXXX. One is from XXXX XXXX XXXX  I have submitted documentation to them proving this was paid in full by my insurance before the creditor had the account. They have opened and closed my dispute as little in 10 minutes without reviewing my documentations. The same has happen with XXXX XXXX XXXX reported in 2017, my deceased finance opened this account without my knowledge I contacted the creditor and told me I wasn't liable. I'm no longer allowed to dispute this two accounts from XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone other than me hacked my Paypal account and used it to make a XXXX purchase from XXXX. I contacted XXXX and was refunded the money on my Paypal account. Now Paypal is stating that I owe them XXXX because I was creditted twice for the fraudulent purchase. I checked all my credit cards and bank statements and did not recieve another credit for XXXX. Paypal continues to harass me about a negative amount that I have to pay on my Paypal account. I was credited, yes but only once. They are claiming I was credited twice and won't stop harassing me about adding funds to my Paypal account to cover the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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:
Credit agency is reporting thw wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) is wrong. 

They are also reporting a fraud account on my report from XXXX Correct my address and remove the fraudulent address from my reports. 
Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX   XXXX # XXXX This is not my account. 

My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny 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 2020-10-20
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX  joined XXXX XXXX XXXX XXXX  in predatory lending practices in 2006. 

The accounts that were opened were then transferred to XXXX, without my consent allowing them to gain from the sale.. 

XXXX has sent letters to reduce the principal balance threatening they would take legal actions. 

XX/XX/XXXX Allied Interstate a debt collection company contracted with XXXX to collect {$30000.00} also stating they are willing to collect amount of {$11000.00} The Original Principal balance was .... 

The amount I have paid including interest ... ... 

Was not included in the letter

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 2023-01-05
Company: Experian Information Solutions Inc.
State: MO
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:
Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-01-11
Company: FORD MOTOR CREDIT CO.
State: CA
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:
FORD XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/2023 They ran credit for an auto loan, I didnt request a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I 've opened a credit card with XXXX about a year and four months.. I had 0 % interest for the whole duration of about a year and four months.. I used my credit card at about 50-80 % limit because I was investing in my education.. and used credit as an advantage and have payed it off before interest has took effect ... I tried to apply for a credit card at Bank of America and it seems my credit score went down due to using my credit limit at a high rate ... I would like to be able to talk about this since I was responsible for paying off in full without the APR taking in effect.

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 2020-09-01
Company: EQUIFAX, INC.
State: MS
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:
FIVE months ago, Equifax and XXXX BOTH claim that they verified the bankruptcy reporting on my credit report through XXXX XXXX, XXXX responded that they could not verify this information and DELETED it from their database. I sent all correspondence to Equifax and XXXX   for them to delete this unverifiable information off my credit report via section 1681, however its been five months and they are not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Back In XX/XX/XXXX XXXX I had a late fee the following month I paid my bill in XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on cXXXX XXXX and noticed the late fee had never came off. 

I had called discover and am still waiting for late fee to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions 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:
I requested validation of accounts from credit reporting agency for accuracy. Did not receive documents nor responses validating accounts on report are accurate.

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