BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
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:
Transunion lowered my credit score by 43 points without reason. I have no late payments, no missed payments, no new credit accounts nor have I applied for new credit. My scores have continually risen throughout this year. Last months Transunion report shows I paid down my total credit debt by more than {$1500.00} that month and had 2 hard inquires fall off my report, and as a result they lowered my score. 43 points is a big drop and this has been reported to several of my creditors already damaging my credit standing. I called Transunion and was told I can not dispute a score because it is done by a computer program. They must be forgetting a program is only as good as the human entering the data for it to use. There is nothing to dispute on my report itself because there are no negative items on it. My score has continued to increase with both the other 2 credit reporting agencies. This is a completely unfair practice and the stance they take based on it being calculated by a computer so it has to be right is also an unfair and bad practice. It can take many months to recover the points they took and too lower someone's score just BECAUSE is as unfair as it gets in my option. We all know in todays what credit ratings mean.

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 2020-12-23
Company: Experian Information Solutions 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:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section XXXX [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : 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  XXXX  # XXXX, XXXX  XXXX 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 2022-02-02
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: Navient Solutions, LLC.
State: CA
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:
In XXXX this year I filled a complaint because I was trying to get Navient and XXXX to communicate with each other and reslove this matter. I was advised by CFPB " When two borrowers obtain a consolidation loan they become jointly obligated to repay the entire loan. If one of the borrowers become totally and permanently XXXX, that borrower may qualify to have their portion of the debt that represents their underlying loans discharged. During these situations, the consolidation loan will be reduced by the amount representing the XXXX borrowers portion '' My husband who is XXXX   XXXX have a consolidated student Loan. 
We filled out an appplication with XXXX to discharge his part of the loan. 
XXXX told me that Navient did not report anyone owing the loan except for me. When they check with the XXXX XXXX department, my husbands name is not included so they can not discharge his part of the loan. I have gone back and forth since XXXX concerning this. I would like to know what steps I can take to resove this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I created my PayPal account to send and receive international payments. I turned my account from an individual account to a business account on XXXX XXXX, 2022 because I was not able to recieve my first international payment. I recieved my first international payment on XXXX XXXX, 2022. Later that day, I recieved an email from PayPal in which it was written that my account got permanently limited. The Ref. ID of that email is : XXXX. Because of that limitation, I'm not able to send or receive any payment through PayPal account. I haven't violated any of the laws as stated in their privacy policy but still they permanently limited my account. That's why, I want PayPal to lift the limitation from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2020, XXXX XXXX ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with equifax and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting a XXXX account on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Equifax multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain a mortgage. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: MN
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:
Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates XXXX XXXX report with no late payment and XXXX XXXX with no late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, 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:
On all XXXX credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and equifax investigation would not followed and XXXX XXXX sent letter proving i was and have never been late. The card holding company is XXXX XXXXXXXX XXXX but the credit card is XXXX XXXX and Equifax has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after XXXX XXXX went to a 16 digit credit card number versus 12

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They have been contacting my neighbors and random people in my city about a debt that isnt even mines. Called my colleges clients about me. I am a real estate agent who can not afford them defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: NV
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 Identity theft, Equifax is still reporting a charged off account from XXXX XXXX ( Credit Card ) on my personal credit report. XXXX and XXXX have already deleted this account off my personal credit report. I have sent Equifax required documents for removal, they are insisting this account is mine per there investigation. I have submitted a Police report with all required information per them for removal and they still won't. I can not upload these documents to you per the bullet points due to personal information, unless you request them. I have sent required documents to XXXX XXXX XXXX  as well. XXXX is telling me I authorized someone to open this account on my behalf. I have requested validation letters, contracts with signature and how they are investigation my claim per the Fair Credit act and I  haven't received anything in the past 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: The Outsource Group, Inc
State: SC
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:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX  XXXX  XXXX, SC XXXX  3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX 4. The following personal information is incorrect Account Number : EMPLOYER :XX/XX/2020 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX  6. XXXX Account Number : XXXX  Please remove it from my credit report.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please cross-reference with complaint XXXX-XXXX. They wrongly closed out my complaint. I bought up the rate on my mortgage, meaning that while Region 's paid most of my closing costs, I have to pay a mortgage rate of 4.3875 rather than a par rate of somewhere around 3.875, meaning that I will pay thousands of dollars more over the course of my loan. Region 's significantly changed the fees disclosed to me in the Loan Estimate presented to me. Region 's sent my complaint to their Compliance department but their Compliance department only reviewed it with technical regulations in mind and that because Region 's paid the closing costs, they stated that they were fine in changing / increasing the fees I was disclosed. In their eyes, I therefore lost all my consumer protections because I bought up the rate. If / when Region 's sells this loan off, they will make thousands of dollars off of the increased rate for someone with an XXXX credit score. I feel this is extremely unfair, deceptive and abusive. I passed this up to the very highest levels of management, speaking to XXXX XXXX, Regional Mortgage Manager. He touted his resume, told me that this store had a 100 % customer satisfaction rate, asked what I wanted ( to which I responded I just wanted to pay what I was originally disclosed ), told me he would research my issue further and get back to me ; it was two weeks and multiple calls from me to the call center before I spoke to XXXX XXXX again - at which time he had four additional people on the phone and told me he was bringing closure to this issue and that Regions would not do anything further. I feel that due to the flippant nature in which my complaint was handled, the lack of proper governance and controls, the lack of an effective compliance management system and the willful negligence and unethical behavior exhibited by Region 's, the CFPB should conduct a further investigation as to the manner in which other customers who bought up their rate were treated and to see if the amounts they were originally disclosed also increased as mine did. This could bring about a rather large enforcement action against Region 's. Additionally, the co-borrower on this loan is an XXXX XXXX Servicemember / XXXX and is about to leave for a deployment overseas.

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 2019-05-15
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX bought a debt from XXXX for a cell phone plan that was terminated in XX/XX/XXXX. XXXX originally told me that I could cancel my phone plan ; I had one month left on a three year plan, and that I would not be charged an early termination fee. Instead, I was charged {$300.00} per phone line ( six lines ) for  the early termination. I disputed it. 

XXXX XXXX purchased it and reset the date opened account to XX/XX/XXXX and began to try to collect the debt from me. I disputed the account date. They told me that the debt starts from when they opened the account, not the original account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On or around the XX/XX/XXXX PayPal chose to close my paypal credit account and effectively shut me out of all access to include statement and terms as well as access to timelines in relationship to 6month same as cash promotional offers. These offers timelines are important since they need to be paid at a specific time to avoid future finance charges. 
My paypal account was opened XX/XX/XXXX and has always been paid as agreed. I received numerous credit increases over the past year. PayPal took it upon themselves to shut my account with no warning. After speaking with various staff memebers I was informed it was due to a bankruptcy filed and XXXX in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The bankruptcy was public information though they claim they where not aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  ( and most likely other credit reporting agencies ) are reporting a debt shown by JEFFERSON CAPITAL SYSTEM, a collection agency, for a XXXX account opened in 2019. I disputed the account online with XXXX, days later they sent a status and said the account was VERIFIED AS ACCURATE. I contacted XXXX, and they say they have no obligation to ask for any proof of the account, if a creditor provides my name, address and social security number they will report it as a debt. After they asked me for paperwork to prove it wasn't my account ( I asked them, how am I supposed to prove a negative? Shouldn't the obligation be for them to ask Jefferson Capital for proof?? ). I also contacted Jefferson Capital, and after asking for all of my information, new  address, etc., they simply went into debt collection mode and asked about me paying off the account. I stated that this was not my account, I've never had an account with XXXX, and asked them to please send me whatever documentation they had relating to the account being established ( my signature, where was phone sent, etc. ). They said they couldn't do that and hung up on me.

How do I get this cleared up??? This is a ridiculous system where companies can submit faulty information and then aren't required to provide documented proof of the account when challenged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
A charged-off privately-held ( non-government insured ) education loan charged-off trade line is showing an inaccurate Date of First Delinquency on Equifax credit report. The item was already previously disputed directly/via Equifax and furnisher returned 'verified as accurate ' which led to escalating this matter to the Consumer Financial Protection Bureau XXXX This complaint is in regard to the following account : XXXX ( Original lender : XXXX XXXX XXXX XXXX hereafter referred to as XXXX XXXX  XXXX XXXX Box XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX Date of First Delinquency showing on Equifax credit report : XX/XX/XXXX Actual Date of First Delinquency ( date upon which payments were at least XXXX days past due ) : XX/XX/XXXX A complaint was previously filed with Consumer Financial Protection Bureau against XXXX for this account. XXXX responded XX/XX/XXXX admitting that the account became due XX/XX/XXXX and entered repayment. No payments were made, hence XXXX  days from this date would confirm the date of first delinquency actually being XX/XX/XXXX. 

XXXX went on to confirm that they illegally re-aged the debt by changing the Date of First delinquency to the time frame in which my bankruptcy was discharged in XXXX ( see attached evidence, language highlighted XXXX. The Date of First Delinquency lawfully can not be changed when an account is never brought current, hence why it is termed Date of *First* Delinquency. Furthermore, as student loans of any kind can not be included in bankruptcy, the bankruptcy would be irrelevant to this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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