BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have called and spoke with all three Credit Bureaus XXXX, XXXX, and Transunion about XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX XXXX  was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that XXXX, XXXX, and Transunion is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged  stage as the accounts are now discharged.

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 2022-08-10
Company: Debt Recovery Solutions, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: SYNCHRONY FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/13 I was scammed by a PayPal seller. I used PayPal credit for my payment. I talked to PayPal and all they did was put up a dispute and I am very sure the scammer is not going to give back my money. I need my payment canceled. It's credit and not my personal money, so I feel there may be a way to solve this.

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 2019-07-13
Company: Experian Information Solutions 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 have called and spoke with all three Credit Bureaus Experian, XXXX, and XXXX about XXXX XXXX, XXXX  XXXX, XXXX XXXX and XXXX  credit cards being filed in BK XXXX. They have not made any changes to my file as XXXX XXXX   was filed in BK before showing charged off. How can you show a charge off when it was filed in BK? This is lazy on their part and their plan to keep you stuck in a system when you are trying to rebuild your credit. I will attach the file with the list of accounts that Experian, XXXX, and XXXX is still showing active or has charged off on it. These accounts should show filed in BK and now we are passed my discharged stage as the accounts are now discharged.

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 2021-08-17
Company: Experian Information Solutions 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:
Please look at my both of XXXX XXXX XXXX. They are not showing payment history for the past 8 years. I successfully received a BK discharge in XX/XX/2014. The creditor has never taken my mortgages out of bankruptcy ; therefore I have gone 8 years with no positive payment history on either mortgage. This has significantly cased me to have problems as a consumer when I should be in this situation. XXXX XXXX XXXX servicing is threatening foreclosure it is an old HELOC on my primary residence that I want to refinance and payoff but I can not because it still shows me in bankruptcy chapter XXXX. However, I am 8 years XXXX. XXXX is ONLY offering me a modification but this further denigrates by ability to recover ; it is simply not ok or just. 
PLEASE 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 non-monetary relief
Consumer complaint received 2019-07-13
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Previous complaints : # XXXX and XXXX 1. Statement dated XX/XX/XXXX indicated {$5000.00} due for payments XX/XX/XXXX thru XX/XX/XXXX. False info : XXXX payments were posted XXXX XXXX and XXXX XXXX ; XXXX payment was posted XXXX XXXX and XXXX payment was posted XXXX XXXX. 

2. Mortgage payments for XXXX and XX/XX/XXXX were returned XXXX XX/XX/XXXX. 
Reason Given : " The payments are not sufficient to full reinstate the account ''. 

3. Received letter dated XXXX XX/XX/XXXX from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, RE : Nonjudicial Foreclosure ( File # XXXX ) ( XXXX ) XXXX XXXX. Violation of Privacy Act : Received a letter, mortgage payment history, and banking information for another customer : XXXX XXXX, Acct # XXXX dated XXXX XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Merchants' Credit Guide Company
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:
On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' Credit Guide regarding an account on my report which does not belong to me of {$470.00}. MCG confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. XXXX   continues to report the inaccurate information. I last disputed the account with XXXX on XX/XX/19 and received notice on XX/XX/19 that the account was verified. XXXX will not provide information of validity and I have not received documents for validation from Merchants ' Credit Guide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I borrowed XXXX XXXX dollars with a contract to pay on the loan every fourth friday of every month. Speedy cash changed the date every month the payment is due and besides that I have paid {$1600.00} on the account and all payments have gone towards the interest and late fees. I have given seven payments at {$220.00} each month since the loan and I owe at this time {$2800.00} at this rate the loan will cost more than I borrowed. I need help because this is a car title loan and I ca n't afford losing my car over this. I have called the corporate office and talk with personal they all say the same thing there is nothing that can be done except keep making the payments. The company staff is rude and unreasonable you would not believe the things that the low class unprofessional staff members have said to me. It 's like I borrowed the monies from XXXX in a street alley.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis did not receive my written consent to collect or share my nonpublic information and consumer transactions and experiences. LexisNexis continues to violate my federally protected consumer right to privacy. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi Price Rewind program. 
The program is not following its own terms. 
My claim number XXXX was denied with a reason that is absolutely not described. 
When I called on XX/XX/XXXX around XXXX XXXX EST, I was told it was denied because the advertisement is " not available worldwide '' ( quoting the reason passed to me on the phone ). 
I pointed out that the program does not have such restriction, it asks for the following : -- -- -- - The lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. Including special promotions such as XXXX Friday or door buster sales. 
-- -- -- - Therefore, a price available in a store catalog ( XXXX in-store online catalog ) as the one I sent is perfectly acceptable. There is no such exclusion like the reason I received ( " being available worldwide '' ) in the What 's Not Covered section. Anyway, it 's even available worldwide, it 's a public and official retailer website that anyone can use. 

It is not the first time the program does not follow it 's own terms. I recommend CFPB to follow closely claims like mine being denied. Citi is not taking responsibility. I 'm registering this denial also when Citi receives a class action, so I have documentation that Citi had opportunities to fix the situation. 

My claim is valid, the ad is still available at the time of sending this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  price {$59.00} XXXX XXXX XXXX GPS Smartwatch, Regular Fit, 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 2021-04-22
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I contacted : MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX {$2200.00} Balance updated XXXX XXXX, 2021 Several times concerning this collection. They have no record of the amount of this debt or any other info on. I requested they stop report I got this collection credit or taking credit for this debt because they couldnt produce the minimum info on it. I contact the XXXX who said the debt was verified ... it was not since Midland Credit Management had no information on the debt when I called them. This is a scam. XXXX  is enabling them to do it. Please take action. 
Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX My name. XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, 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:
CRA violation I have no knowledge of the fraudulent collections account on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: Account information incorrect

Complaint:
I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXXXXXX XXXX XXXX XXXX Account XXXX Date openedXXXX  XXXX, XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX  Account numberXXXX Date openedXXXX XXXX, XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} XXXX XXXX XXXX Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account number900000XXXXXXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX TRANSUNION : XXXX XXXX XXXX Account XXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX : XXXX XXXX XXXX  Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from 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 2018-03-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had a private loan through XXXX now Navient has taken over the loan. Navient makes no attempt to work with to lower the interest rate. I co- sign for the loan in 2009. Myself and my husband are both XXXX now and looking for some cooperation from Navient. 
Finally was a XXXX allowed to sell off there loan to Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a credit card in XX/XX/XXXX in which it approved the following month I had no score because I was new to the credit system. upon checking my credit report I saw that they were there were hard inquiries that I did not make on my report from XX/XX/XXXX. I reaching out to the credit bureau to have it removed but I was unsuccessful, I also tried to reach out with the companies that I saw the hard inquiries were coming from and I was also unsuccessful. 
By the middle of summer when I check my report to see if there were any changes made to report, I found more hard inquiries from financial institutions that I did not place a hard inquiry with. Not only did they place this once or twice on my report but more. I wrote letters to these intuitions but got no response. I placed a security freeze on my account because of the problem and I could not get any resolution to the problems that I was having, but come to see with the security freeze on all my accounts with all the credit bureaus I was surprised when I saw that I am still getting hard inquiries on my Equifax report. 
On my Equifax report these are the inquires for service that I did not request : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: AMERICAN EXPRESS COMPANY
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:
Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with fraud alerts or security freezes. 


PER COMPANY 'S RESPONSE, I WENT TO THEIR WEBSITE TO SUBMIT REQUESTED DOCUMENTS ONLINE, AND KEEP GETTING AN ERROR MESSAGE. I HAVE ALREADY SUBMITTED THESE DOCUMENTS IN THE PAST AS WELL. THEIR WEBSITE DOESN'T WORK PROPERLY FOR ME TO SUBMIT MY DOCUMENTS TO HAVE FRAUD ALERT REMOVED! I NEVER REQUESTED A FRAUD ALERT. THE FRAUD ALERT IS BE SENT TO EXPERIAN FROM XXXX. EVERY TIME I DISPUTE SOMETHING ON MY XXXX CREDIT FILE, THEIR SYSTEM PUTS A FRAUD ALERT ON MY FILE AND SENDS THIS INFORMATION OVER TO EXPERIAN AND XXXX. HOWEVER, XXXX DOESN'T ADD THE FRAUD ALERT AS I'VE EXPLAIN THIS TO THEM AS WELL, BUT EXPERIAN ALLOWS FOR THE FRAUD ALERT TO BE PLACED ON MY FILE WITHOUT EVEN CONTACTING THE CONSUMER. THEN ME AS THE CONSUMER HAS TO GO THROUGH ALL THESE UNNECESSARY HOOPS TO HAVE THE FRAUD ALERT REMOVED. I'VE VISITED THEIR WEBSITE EXPERIAN.COM/UPLOAD TO UPLOAD MY I.D./BANK STATEMENT/LETTER REQUESTING TO REMOVE FRAUD WHICH THEY ALREADY HAVE ON FILE. BUT THEIR WEBITE IS NOT ACCEPTING MY DOCUMENTS, SO I AM GOING TO ATTACH THEM TO THIS COMPLAINT!!

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