BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
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: Public record information inaccurate

Complaint:
My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. XXXX makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, XXXX has XXXX inquires, Equifax has XXXX. That is a big difference. Also XXXX reports as XXXX late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Name is XXXX XXXX and I have a mortgage with chase my loan is XXXX and I lost my job and I fell behind on the mortgage. I am request assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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:
On XX/XX/XXXX, attempted to remove equifax security freeze on their website and through their automated call system. Both do not work. Called the customer service and they said their system is down, call back in an hour. Called back in an hour, still said their system is down and to call back in a few hours. 

XX/XX/XXXX, attempted to remove on their website and automated call system. Still does not work. Called customer service, after they obtained my personal identifying information, and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX   XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX   XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}

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 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [

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 2021-03-05
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XX/XX/2021 a {$1.00} Authorization posted against my PayPal account balance, supposedly by XXXX. Today is XXXX XXXX and I still can't get this removed. Almost every day since this appeared I have sent hours and hours on hold waiting to talk to agents and managers or waiting online for their Message Center agents to respond. They all seem to be centered outside of the US and English is clearly NOT their primary language. I repeat the same story over and over to each and they just don't get it. There Message Center response time averages 9 hours each time I post a response yo their response ( no of this is real time ) and their phone queue wait time is averaging 2 hours! So this is consuming my life.They tell me I must get the merchant to remove the charge, but XXXX has assured me the charge is not from them and have given me screenshots that confirm that. However, PayPal won't take my word for it, won't accept the screenshots as proof, or contact XXXX to confirm. They are not willing to admit its a platform error on their part or allow me to submit an online dispute to treat the charge as fraudulent. HELP! I need this charge cleared so I can close my PayPal account. 
They had previously advised I must delete my current account and create a new one due to Technical irregularities on their platform that prevent me from making transfers out of my PayPal account to my linked external account with XXXX XXXX XXXX XXXX ( another case of fraudulent activity as they hold my money as long as possible to gain interest ) .Their Escalations department stated that they had no intention of attempting a 'fix ' of my issue as they are calling the bug a security " feature '' for my protection sonehow?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
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:
I disputed the referenced accounts in XX/XX/XXXX. The Experian credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Experian had placed XXXX XXXX and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Experian did receive. Experian removed XXXX XXXX and XXXX XXXX from my Experian credit report. I have included a copy of my Experian Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. I am demanding that both XXXX XXXX and XXXX  XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that XXXX XXXX XXXX be removed and blocked from my credit file as well. I expect to have an updated Experian showing the removal in 30 days per law.

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 2021-08-12
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:
I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information to the agency has made known over recorded lines that they do not have any open accounts with me and have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove this account from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verificationfrom lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.

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 2021-03-05
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
Ive disputed this account before with XXXX XXXX XXXX and each time came back as Meets FCRA standards but yet Ive provided adequate proof that shows they consistently had multiple violations. Each bureau reports a differentDate Of Last Activity which its imperative that they all report accurately because it determines the date of which the account comes off the credit report. This account has been disputed and per the FCRA XXXX XXXX is supposed to report that this account is/was disputed by consumer in which they did not and is a violation. Attached will be proof showing the violations. Theyve also sent a letter showing the contract of which they have but the contract and statement as well which is written by them has inconsistencies and inaccuracies in the contract and statement. They say the account was opened on XXXX of XXXX but state the vehicle was repossessed back in XXXX of XXXX. This is inaccurate and inconsistent of which their reportings all vary across the 3 credit bureaus. XXXX has already removed the account because of the violations and inaccuracies of which they have performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Premium Credit Bureau
State: TX
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:
On XX/XX/2018 a hard inquiry was found on my XXXX and XXXX  credit report. The inquirer is Premium Credit Bureau. I did not authorize this inquiry. I have contacted the company but have not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Evening, this account continues to report inaccurate, incomplete and unverifiable information. Was there a lawsuit against this bank before for loan deceptive? Santander Reaches {$550.00} XXXX Settlement With 34 States Over Alleged Deceptive Auto Loan Practices '' XXXX XXXX : XXXX : XXXX? XXXX XXXX states, including Connecticut, California, Florida, New Jersey XXXX New York and Pennsylvania XXXX have reached a {$550.00} XXXX settlement with automotive financing company Santander Consumer USA Inc. to reimburse consumers for alleged deceptive loan practices nationwide. '' I've disputed this account several times and asking for several types of documents included and pursuant my federal and statutory laws in regards to repossession of the vehicle. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus and yet they stated that they've verified this account as accurate. It's impossible. Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report. 
I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. 
Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional  finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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: Their investigation did not fix an error on your report

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was paying my student loan, as agreed on the XXXX day of each month. On XX/XX/XXXX I logged on to pay the amount due of XXXX. The message on the Navient website indicated that {$0.00} payment was due. I spoke to a representative at Navient, who stated " You have over paid for the previous months, and now your payment 's not due until XX/XX/XXXX ''. 

On XX/XX/XXXX the unpaid principal balance was listed on the Navient website as {$12000.00}. 

On XX/XX/XXXX I received notification from XXXX CRA that my credit score had decreased by XXXX points due to an increase in the amount due to Navient, in the amount of {$120000.00}. 

On XX/XX/XXXX I contacted Navient to inquire as to why my principal balance had increased, although I was paying as agreed. After an hour long call, and waiting to speak to a supervisor XXXX. XXXX informed me that my loan was in forbearance due to a " disaster in California ''. 

I was not a victim of disaster, at any time. I did not request to be granted a forbearance, However, as a result of Navient 's dubious practice of arbitrarily placing my loan in forbearance status, increased my principal balance, and has caused further damage by adversely impacting my credit rating and FICO score. At the exact time that I was attempting become a first time home buyer. 

When I requested immediate remedy, The supervisor " XXXX '' informed me that the CRAs could not be notified and their error would not be corrected before 30 days, and that further since I did not have access or the ability to receive notification of resolution via fax, I would also have to wait.for 30 days to have proof of their mistake. 

If, I had been a victim of a disaster Navient 's proposed remedy would only have served to assist Navient by virtue of an increase in the principal balance due to Navient, In my case, Navient 's action was an egregious error/standard form of practice, and I should not have to wait an additional 30 days for ameliorative actions. At present my debt to Navient should be {$120000.00}. 

I am seeking assistance in ensuring that the amount owed to Navient is accurate, and accurately reported, also that CRAs are immediately notified.. 


.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: Sierra Holdings LLC
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: Investigation took more than 30 days

Complaint:
someone opened an account as defined in the FCRA without my authorization causing a debtor status to be placed upon me. Now this negative information is reflected in my credit file.
SIERRA AUTO FINANCE LLC ACCOUNT # - XXXX alleged balance XXXX  SIERRA AUTO FINANCE LLC ACCOUNT # - XXXX alleged balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I contacted the mortgage company MrCooper about removing PMI from my mortgage since we around 50 % equity in the home already. They said the only way to get rid of it is to refinance since the loan originated before XX/XX/2013. Then of course I asked about refinancing and they can not give me an interest rate without pulling my credit report with lowers the credit score because of a inquiry. I do not feel this is fair to pay an extra XXXX dollars a month when I have so much equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
the card is showing as 30 days past due on credit reports for XXXX however i made XXXX payments in XXXX XXXX on the XXXX for the XXXX payment and XXXX on the XXXX for the XXXX payment. there should NOT be a late payment for XXXX as it was paid on XX/XX/28. i called and reported this to XXXX to which they replied " you are not showing late you are current. the credit reporting companies are reporting false information on tons of peoples credit reports. call them and deal with them. '' called transunion to confirm if there was a late payment for XXXX being reported and they told me there was a late payment reported for XXXX for XXXX XXXX i opened a dispute with transunion to resolve and XXXX XXXX said they will provide documentation showing there is no late payment for XXXX so we'll see if that documentation is actually provided or not and the late reported payment for XXXX is removed as it should be since its completely incorrect.

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 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX Last reported : XX/XX/2018 {$21000.00} This account is closed and is part of a payment plan,

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 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
TransUnion continues to report incorrect balance for a XXXX XXXX Card account in the amount of {$190.00} since XX/XX/2018. This balance should be XXXX DOLLARS and I have been unable to get it corrected through the direct dispute process. XXXX  shows the correct balance which you may use to compare reports with. Thank you for your 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 explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: AL
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 calling and explaining to Equifax that my car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. I spoke with someone today stating they had received the FTC identity theft report but it was after the time the review department has issued a decision. I am asking again that the information on this IDENTITY THEFT Report be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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