BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
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: Account status incorrect

Complaint:
Equifax is reporting I have two open mortgage accounts which is incorrect. I have one open mortgage account and one closed with a XXXX balance as it was transferred TO A NEW LENDER. I HAVE NOTIFIED EQUIFAX of this numerous times and they are still reflecting the one account that should be closed with a XXXX balance as opened with a balance. I have reported this incorrect information and the other two credit bureaus have the correct information reflecting but Equifax is still not reporting my information correctly. the XXXX lending account should be closed with a XXXX  balance and they are reflecting it as opened with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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: Information belongs to someone else

Complaint:
wrong social and wrong accounts not mine fcra violations see attachments

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 2021-07-19
Company: CONTRACT CALLERS INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contact Callers keeps harassing me via phone over a debt placed by XXXX  XXXX. The account begins # XXXX and is for a electric bill in the amount of {$440.00} that they state is now {$600.00}. Ive asked both XXXX and the debt collector for a debt validation letter to be mailed to me for months and have yet to receive anything. I have and continue to receive harassing phone calls daily. I have Never lived at the address in file with XXXX  XXXX and can show proof with my current lease that I was in the same location from XX/XX/2017 to Present.

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 2021-07-19
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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: Account information incorrect

Complaint:
I used to have a title loan from XXXX it was delinquent first delincuent on XX/XX/2013 and charge off since then I didnt make any payment on this account but, for some reason ( fraud ) from this company it is showing Im making payments on this account which Im not for the past seven years what they tried to do is keep this account another seven years on my credit report it is agains the law to do this. I need this company to removed this account from my credit report this company is a rip off and doing fraudulent charges on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
As people lose their jobs, my family and I are in dire need of a dollar .. Paypal Bank has grabbed my money and suspended my account. 

The bank informed me that the funds will remain on hold for 180 days since my last account operation and the last transaction was on XX/XX/XXXX That period expired on XX/XX/XXXX However, my account was suspended I have contacted Paypal Bank several times and they have told me that at the end of 180 days they will inform me of how to withdraw my money, but until that moment I did not receive a response from them. 
So I contacted their support account on XXXX and explained it to him all, so he told me that I can withdraw my money. 
I told him that I can not add a payment card until I can withdraw the money So tell me that I should try to link the visa and then stop to answer me. 
the documents First : My Paypal bank account address is XXXX Second : The last transaction was in my account on XX/XX/XXXX Third / The account has been suspended since that date and for a period of six months ending on XX/XX/XXXX Fourth : I sent support to Paypal on XXXX, they told me that I can add a visa ( attached photo of their response ) Fifth : My account is still pending and I have not been able to add a Visa to the Paypal account in order to withdraw money on it ( Attached copy of the visa rejection )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
i made a few purchases online with debit card while inside the USA. they resulted in international transaction fees. these transaction were with my own checking funds not bank money. these charges were online ( and in dollars not foreign money ) so there is no way to establish the location of the company in normal everyday business. allowing this theft of funds to continue is basically turning the internet into a reverse slot machine where any transaction may come back with a {$60.00} charge. again it was my money, in dollars and i never left the USA.. 

the bank told me international charges are non negotiable period. 


they know this is theft thats why they have a policy of no negotiations.

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 2018-04-30
Company: Experian Information Solutions Inc.
State: IL
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 would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account. 
Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that Experian XXXX XXXX And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?

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 2020-07-25
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Loancare is refusing to send me my equity balance of {$1400.00}. The home sold XX/XX/XXXX. 
The loan originated with XXXX  XXXX XXXX. XXXX  XXXX XXXX sold the mortgage to XXXX XXXX XXXX in XXXX unfortunately. I was sent the equity balance check of {$1400.00} not addressed to me, the home owner. I followed instructions by Loancare customer service to mail back the check to Virginia with a copy the deed etc. in XXXX. I've contacted them many times to correctly address the check, but they refuse.

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 2021-07-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I contacted Navient last XX/XX/XXXX to request to lower my student loan payments because I had cut my hours at work due to Covid-19 and homeschooling my son but I was denied. This was actually my XXXX request to do so. XX/XX/XXXX, I was diagnosed with XXXX and a month later admitted into the hospital for in patient XXXX for a blood XXXX and a XXXX XXXX  that was found unexpected. The next several months were a whirlwind. Covid peaks, no family allowed in the hospital, XXXX XXXX, XXXX, XXXX XXXX, I was going through quite a bit. XX/XX/XXXX, I started receiving phone calls every other day, emails, voicemails, etc threatening student loan default and next step I would be sued. I explained to Navient that I was in the hospital undergoing treatment and out of work. I could barely walk and requested a forberance, hardship or something to push payments until I could go back to work. I was advised these were private loans and nothing could be done. XX/XX/XXXX I started receiving threatening calls from an insensitive gentleman that asked me why did I take a loan if I couldn't pay it back. He said my loans had defaulted and it was his job to collect payment or send my file to an attorney to sue me. I advised him of my health condition and was told his dad had XXXX and that was no excuse. He asked if I had received any taxes and asked did I want a settlement for I believe 70 % of the amount or he stated I could give him $ XXXX {$8000.00} down and make payments of $ XXXX. I tried to explain to him that due to treatment ( unexpected diagnosis ), not working, I had fallen behind unfortunately on almost all of my bills but when I submitted paperwork from my doctor, everyone worked with me including my housing. He proceeded to tell me I needed to borrow the money from someone or talk to my parents. I advised him my dad was deceased. I was so stressed out after he called 3 times in one week, I called Navient and asked for a supervisor to take over my account and I was told there was nothing they could do. I asked if they were aware of the lawsuits pending from XXXX XXXX ( who made the loans ) and they said there was nothing that could be done. I inquired if they had any XXXX relief options, they said I did not qualify for anything. I asked why was I receiving emails to call about options to lower my payments but when I call there are no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX first XXXX keeps calling 2x daily and last week I actually spoke to a Human who called and I as them not to call since this is a Government Facility and I don't know who they are trying to collect from? and I keep getting calls daily.

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 2020-08-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I contacted XXXX, XXXX, and Experian about 3 months ago asking them to remove his inaccurate information from my report. 

The following personal information is incorrect. Please remove this inaccurate information from my credit report.

1. The following personal information is incorrect XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The following personal information is incorrect XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The following personal information is incorrect XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The following personal information is incorrect XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The following personal information is incorrect XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from 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 2020-06-28
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
The collection agency is Transworld Systems Inc. and The Ref. No. is XXXX. 
The apartment management at XXXX XXXX XXXX. in XXXX, XXXX was given notice of my intention to move out in 14 days back in XX/XX/2019 with lease ending XX/XX/2019. On and off for over 3 years rats would infest the attic of my studio apartment. Traps would catch some and at times the maintenance would pull out a foul smelling dead rat. The dried fecal matter would get in the air of the living space. The actual opening for the rats entering was never closed. I moved out at end of XX/XX/2019. 
I have provided letters and calls to TSI inc. I have been threatened with lawsuit and damage to my credit. The rent was {$940.00} and added on was late charges and expenses. 
The environment was not safe for living due to disease carrying particles left behind by the rats and continued infestation. Total debt efforts has been about {$2500.00}. 
I wrote a letter formalizing my dispute of the debt and if it should be turned over to others or the bureau, it is under dispute. I have received via mail a print-out for debt and charges I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion has violated my rights serval different times and ways. I am a victim of identity theft. I have sent in and reported serval times to Transunion and have asked for them to validate the date with proper proof of debt and they have totally disregarded. 
I have used the 605b of the FCRA to report identity theft with police reports and ftc reports and the do not honor and when they did block and remove they further violated FCRA 611 ( a ) ( 5 ) ( B ) by placing back on my credit file without giving me notice in the 5 business days allowed by the fcra the accounts are XXXX XXXX XXXX XXXXXX/XX/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 2018-12-26
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/XXXX, I contacted Ally Bank which financed my car loan about the warranty I purchased in the car loan not being valid. The dealership that I bought the car from was closed down by the federal authorities the month prior so I was unable to confront them about the issue and the warranty company advised me that there was no active warranty. I reached out to the bank for 30 days in which they would not respond to me about the warranty which was financed and in the contract, however, did not exist. In XXXX of XXXX, I retained a lawyer to contact the bank. We sent in all of the paperwork and in XXXX of XXXX it was determined by Ally 's Fraud Department that fraud existed. It was found out that the contract I possessed was different from the contract the bank possessed : ( 1 ) my contract had a warranty in the amount financed, Ally 's didn't ; ( 2 ) Ally 's contract did not have my signature ; and ( 3 ) the terms of the finance and numbers where not the same on both contracts. I have police reports to reflect this as well. Ally did not respond to my attorney for months after fraud was determined which is the case up till now. We were sent one settlement agreement in XXXX of XXXX and since then Ally has not communicated or settled.

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 2020-08-25
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Contacted credit card issuer about fraudulent XXXX XXXX  charges five time with no resolution, company now charging late fees and interest on disputed charges. At least three fraudulent charges were made AFTER fraud reported and the card was cancelled, yet CitiBank refuses to reverse them. On at least four contacts Citi representative indicated the charges would be reversed, have two chat logs saved where they indicated they would resolve the fraudulent charges.

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 2020-10-14
Company: Experian Information Solutions Inc.
State: LA
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:
I have been sending letters way back on XX/XX/2020 I HAVE RECENT SENT letter out from my bank on XX/XX/2020. 

XXXX XXXX XXXX has been fixed the error. But Experian needs to fix. This was in an error not sure who they are talking too and not showing proof. 

My bank sent me this cause of the issue they know occurred. 

I sent demand letter on XX/XX/2020. I Never missed that one payment. Fix now

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 2021-07-19
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: Account information incorrect

Complaint:
I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: The CMI Group, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is a follow-up to my earlier complaint. Transunion Finally Responded to the CFPB Complaint. Transunion has claimed they have " Verified '' the CH XXXX Bankruptcy on my report but have not provided how they have verified this information. I have a certified letter from the XXXX XXXX Bankruptcy Court stating that they DO NOT provide information to Credit Bureaus or ANY third parties. Transunion has now, for the third time, failed to respond to my method of verification request concurrent with the FCRA. 
A copy of the response from Transunion is attached to this complaint - Please not this is the first time they have responded likely because the complaint was through the CFPB

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