BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-28
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 status incorrect

Complaint:
In XX/XX/XXXX I asked for and received a notice from the court that a collection account had been paid and the court was satisfied that the debt had been resolved. I also received a letter from the collection agency stating the acct was paid and the account satisfied. 

I sent the information to the 3 major credit reporting agencies, XXXX, XXXX and Experian asking the collection be removed as paid.The first 2 took action and removed the acct from my report Experian responded by stating the report will remain unchanged until XXXX. 
I disputed the account every month for 4 months, the same response each time. 

The report showing the collection created a situation that resulted in our family being homeless for 6 months. I can provide statement showing we were living in motels. We were denied housing due to the report, until out current leasing agent actually took the time to look at the documentation and agreed there is an error on my report. 

I can provide the rejection letters. 

I do not believe that Experian has the right to continue reporting the collection when the parties involved are satisfied the acct has been satisfied. 

Thank you for any support that you can provide. I am fearful that when we need to move again we will be denied. 

I will attach the referred documentation

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 2022-09-01
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: Was not notified of investigation status or results

Complaint:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Well Fargo Mortgage Company has failed to timely perform our escrow analysis for two or more years consistently thereby, causing our mortgage escrow funds to have a shortage, this year ( XX/XX/2017 ) alone, our escrow shortage amount is {$1600.00}, this escrow analysis was received on Friday, XX/XX/2017, our new increased mortgage payment is scheduled for XX/XX/2017. This incident occurred last year approximately the same time, thereby causing another escrow shortage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It was stated that credit reporting companies have the right to update and include information on my credit report based on their research. I mentioned to them that the information was inaccurate. The debt is being shown as a public record and 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 explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior XXXX certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC

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 2022-09-01
Company: EQUIFAX, INC.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Other

Complaint:
Despite being paid in full, Synchrony Bank continues to report to XXXX, XXXX, and XXXX that I have an unpaid balance with Lowes. I have a paid in full letter from Synchrony Bank, and have sent a copy of this letter to the credit bureaus, but Lowes simply will not allow this account to update as paid. Synchrony Bank is holding my credit file hostage by not reporting accurate information.

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 2021-09-23
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never applied for a Nordstrom credit card and need this removed from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-04-15
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I dont really have the dates anymore regarding the loan in question, but i due to circumstances surrounding the university i was attending i was told to contact navient to see about getting my loans forgiven as they had told me that i had been a victim of " predatory lending '' by that college. I called Navient to see what they could do and I had been numerous times that it would be 100 % forgiven. Not once did they ever say anything consolidation, refinancing, etc. I started the application process with them in and was told that the process would take a few months to be reviewed and to contact them again for a follow up and that i had to pay a fee for their service. I paid the fee and contacted them later on as instructed and was told again that my loans had been completely forgiven ( not consolidated or anything else ) and that i had nothing more to pay back. I had also been set up so that i can keep track of the loan process to which i would receive emails monthly showing that i no longer had a balance to pay and showed that Navient had taken over the loan. 

Navient told me that i would have to reapply to the program of loan forgiveness every yr so after the first year i reapplied online. Applying online was a little difficult so i contacted them to walk me through it and i was told to apply under an " income driven repayment plan ''. This struck me as odd so i asked why it wasnt applied as forgiveness to which they had told me that " this was just how to apply online and that it would still considered loan forgiveness, you will not have to pay back anything ''. I made sure to ask if there would be anything i had to make payments on and they told me AGAIN that i would not have to pay back anything regarding the loan. After finishing the application and ending the call with navient I went on as normal. Later that yr when the application process finished i received an email stating that i now have a payment to make starting at the beginning of XX/XX/XXXX. After seeing the payment i was now responsible for after being told time and time again that i would have anymore payments to make i contacted navient to see what happened. Im now being told that i did not apply for loan forgiveness and that it would take 15-20 YEARS to completely forgive. When i told them that i wasnt told about any of this they told me that i must not have spoken to any of their representatives which i know is false because ive been using the same contact for them the entire time. They also told me that they have no records of any calls between me and them prior to XX/XX/XXXX. Im now convinced that they will not cover the loans as promised but now the loan is close to being passed on to a collection agency and i keep receiving voicemails stating that if i dont make payments, that i wont be able to apply in the future. 

PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-01
Company: Complete Credit Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About a year ago, I started receiving spam calls about an attempt to collect a debt and I notified the company that this was not accurate and they have the wrong person. The company was aggressive and of no assistance in getting this removed. Instead, the debt was submitted to the 3 credit bureaus. I spoke with XXXX, XXXX, and XXXX about this issue and provided adequate documentation proving this was a fraud collection account and identity theft concern. XXXX and XXXX removed the collections account and place a fraud freeze on my account to prevent this from happening in the future. Meanwhile, XXXX has been of no assistance and continues to violate my rights as a consumer which grants me the right to a fair and accurate consumer report. I have spoken with XXXX for over a year and have submitted the documentation and they have not removed the account from my report despite the documentation provided. They have provided lenders with inaccurate reports causing false denials, which has hurt me significantly. XXXX does not have my accurate demographic information in the system which is even a further reason I know they have not handled my account correctly.

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 2022-09-01
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Robinhood, Robinhood Markets , Inc. is denying me to access my state and federal tax return. They are not giving me my stock dividends ( missing months due to the dividends vanishing ). They will not give me access to my account or simply close my account. They are requesting front and back pictures of my social security card and front and back pictures of my drivers license. Both of what they have received and I was told after recieveing that, my account will be accessible. Now, Robinhood is demanding bank account statements back to XXXX 3 pictures of my face ( left side, right side, front ), proof of where I live, where I make my money, proof of residency, and more. I have spoken to numerous Robinhood representatives whose names are XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, and others yet no one has helped me resolve this issue. I am being sent around in circles with no true help. I already had a case open with my email but since it was not listed under my Robinhood account they could not truly help me. So now, this complaint is for further investigation between my issues with Robinhood. It has been 4 months and my account is still frozen. I have given them everything they asked for and no one will help me. I gave them the final bank statement and their employee responded to me and said that was a letter. It is absolutely NOT a letter, ITS A BANK STATEMENT. Why do you need to hold onto my money so bad? Why is this still a problem when you received everything that was asked for?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING is re-aging debt and it has listed debt as a collection account, when it is duplicatively listed on the same credit report under the original creditor. See attachments of screenshots of my credit report which shows duplicative entries for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  L XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-01
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In a recent transaction using PayPal I have begun to suspect fraudulent activity. I have tried on multiple occasions to contact the seller but have received no response. 



PayPal also said that their responsibility is limited, as this was listed as a service instead of a product. I wish I had been warned. 



PayPal has also said that they would get back to me by XX/XX/2022 at XXXX. Really? 



Hoping that you can intervene on my behalf. 



Many Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has continuously charged me again and again over the past several years. I have not been able to set up payments due to being without job sometimes or having to pay more important bills. I don't think it's fair to be charged over the years, I also had no idea I could dispute or I would have done this a long time ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Bankruptcy, discharged in XX/XX/2008, not being removed from TransUnion ( TU ) report. Informed TU, via website, of error and initiated request for info to be updated. TU shows no indication they have received my request nor have they removed the item from my report. 

Tried to mine TU website for more data, but only get pages with " Cancel '' or " Exit. '' Tried to contact TU via phone, but after 30+ minutes on hold, on a cell phone, gave up.

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 2018-10-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX obtained an illegal garnishment on my wages and bank account. When I call I was told no accout existed and to call back on Monday. When I goto their website it says a debt is vailid for over {$6800.00}. I was never made aware of this debt and was not served with anything. I am a single mom, head of household and sole provider for my XXXX old XXXX daughter, my XXXX yr old XXXX son and my XXXX ur old mom with XXXX XXXX. I barely make min wage. The debt information provided to me was from XX/XX/2005. I did have the same company garnish my wages in XX/XX/2005 but was taken away when i proved the debt was not mine and I didnt make enough for them to garnish. This time they took my daughters child support, my rent and my paycheck ... I CANT AFFORD TO PAY A DEBT THAT IS NOT MINE!!! PLEASE HELP ME!!! They took the money last night at XXXX XXXX when there was nobody to dispute to and my bank said due to legal issues they could not provied me I go.., PLEASE HELP ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2018 XXXX credit card has reported a miss payment to my Experian credit report and also on XX/XX/2018 reported to XXXX and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove 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 explanation
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I put in a dispute over the phone through Transunion and XXXX in reference to XXXX hard inquiries that were not factual on my credit report I was told that they have been investigated and are accurate due to them undergoing investigation. However, the fact that I received a response 4 days after I disputed the inquires, one can assume that there was no investigation into the matter.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: NY
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:
Illegal use of info on my credit report, harassing me with info illegally obtained from credit report, discrimination and making assumptions based on info illegally obtained, some that has nothing to do with me, XXXX harassment by credit company employees and other individuals and harassment from a cult, harassment from government organizations, government employees, police misconduct, group stalking, neighborhood watch in my community harassing me for paying my credit card bills or going shopping and snooping in my private info and mail. I cant put my phone number in my accts because otherwise i get harassed by my phone services with illegal surveilliance and triagulation that result in me getting wrongfully pulled over, ticketed and all types of problems!!! Have to sue a city because every day i am harassed in my car with info illegally obtained by other people and organizations. IT IS NONE OF ANYONE ELSES BUSINESS WHAT IS ON MY CREDIT REPORT IT SHOULDNT BE PUBLICLY DISCLOSED WITHOUT MY CONSENT people shouldnt drive around me while im in my car trying to HARASS me with info from illegal background checks or credit reporting VIOLATION OF THE 4TH AND 14TH AMENDMENTS

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