BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-13
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: Account information incorrect

Complaint:
We shopped for a new second mortgage for our condo in XXXX through XXXX XXXX. We accepted an offer from XXXX XXXX and received the paperwork. Despite requesting a second mortgage, I was sent paperwork for a HELOC instead. Not intending to tap into the line of credit, we signed the documents. 

Later, as housing prices continued to plummet, our financial advisor recommended we complete a short sale. Unbeknownst to us, HELOCs do not go away in a short sale situation, so we were stuck with making an agreement with XXXX XXXX for the full amount of the HELOC value - they literally would not negotiate a lower rate XXXX XXXX. We were advised to accept, and attempt to re-negotiate the amount at a later time. We completed the short sale of the condo in fall of XXXX. 

Three years later, after much failed negotiation, we settled on an amount to settle the debt. After three payments, we received a letter from the bank 's law firm, confirming satisfaction of the debt, showing the full amount paid. A few months later I checked our credit, and found XXXX XXXX had reported the loan as a " write off, '' meaning the debt was never paid. I filed a discrepancy with the credit bureau to correct the record. When the credit agency contacted XXXX XXXX to verify this change, they replied, " No, the write off is correct. '' This fraudulent record has caused serious damage to my credit score since its appearance on my record in XXXX. I wish to have this record removed from my credit, and if possible, punish XXXX XXXX for a fraudulent filing on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid, and they agreed to remove it from my credit. however its still on my credit. I want it removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LoanCare Acct # XXXX is reporting the verbiage " Student loan-payment deferred- Account in Forbearance '' on my credit report. This account is NOT in forbearance. This account is current and has never been late. The verbiage is preventing me from being able to Refinance my home. I have called several times and have been told that the issue has been resolved but it has not.

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 2020-05-04
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I contacted PayPal on the XXXX of XXXX about a stimulus check showing deposited into my account by the IRS and made sure all account numbers were right and PayPal advised me that they couldn't find a deposit in my account but keeps telling me to keep waiting. A lot of people with PayPal cards are having this very same issue

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Since XX/XX/2018, my credit score has been wrongfully dropping every single month due to the wrong information on my Toyota loan. Toyota has been filing a delinquent account when I have been paying on time every single month. I have called them numerous times to fix the issue, and they said that there is no reason why my credit score shows that it is delinquent when it is not. I have disputed these incorrect claims every single month, as it is resolved after my dispute, but then incorrectly claimed as delinquent again after a couple of weeks. I have been given the runaround and feel that enough is enough. My wife and I are in the process of purchasing a house, and these incorrect claims have been hindering our chances of attaining a loan, which has become extremely frustrating and unfair. As a military member in the United States XXXX XXXX, this also becomes a huge ordeal because of the effects it has on my credit score that could ultimately jeopardize my security clearance. Please assist me in these incorrect and wrongful claims so that my wife and I could finally give our daughter the house we worked so hard to finally purchase. Thank you so much for your assistance, time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: UT
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:
Currently I have listed on my Equifax credit an open collection item for {$92.00} from XXXX XXXX XXXX  with the original creditor being XXXX, which has been documented that it does n't belong to me. 

At the beginning of XXXX XXXX I received a collection notice from XXXX XXXX stating that I had an outstanding balance of {$92.00} due from XXXX. I disagreed with this collection notice and disputed this information with XXXX XXXX right away because I knew that it was incorrect and/or was n't mine. I received an email response from XXXX XXXX, Quality Assurance Auditor at XXXX XXXX on XXXX XXXX, XXXX that stated that the information had been removed from their system. It was also not on my credit report at that time. 

In XXXX XXXX I received an email alert that my credit score had changed and upon reviewing the change, noticed that the above mentioned collection account showed up on my Equifax credit report. I sent a dispute through the Equifax website on this information in XXXX XXXX, stating that it was incorrect and should not be on my credit report. I received a response from Equifax in XXXX XXXX and the " Results of their investigation '' stated that the information was correct and that I needed to correspond with the collection company for anything further. 

After receiving that notification from Equifax, I then sent an email to the same person at XXXX XXXX, XXXX XXXX stating that the collection account was showing up on my credit report and requested that it be deleted. Her response, dated XXXX XXXX, XXXX stated that a deletion of the account was made on my behalf back in XXXX XXXX and that if I was still having issues with my credit report to reach out to the credit reporting agency. 

In response to XXXX XXXX 's email I sent her a screen shot of the collection account from her company that was still showing on my credit report and stated that I had already disputed the information with Equifax and that they had responded that the information was correct and that I had to correspond with the collection company. 

XXXX XXXX 's final email to me dated XXXX XXXX, XXXX stated that the file is no longer open in their office and I had to reach out to the credit reporting agency. 

In summary the collection company acknowledges that the account is deleted fromtheir system and yet it is on my Equifax credit report and I can not get anyone to delete this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, 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:
I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX, DPT EDXXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX   XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
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:
I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. 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 2021-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to have 3 fraudulent accounts from XXXX deleted from my credit report with Experian for years now ( XXXXXXXX XXXX  account # XXXX ; XXXX XXXXXXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX acct # XXXX ) I have sent numerous letters asking for these accounts be investigated and if verified show proof of their right to post those accounts on my credit reports ( my last letter was report # XXXX on XX/XX/20. ) I have showed indisputable proof from the IRS and Social Security Office that these accounts are not mine. In all cases they have responded with a generic response that the accounts were verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. Experian continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have these fraudulent accounts on my credit reports.

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 2017-11-30
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to use the experian web portal to place a freeze on my credit report. I made two attempts, and the result of each attempt was a page stating my identity could not be confirmed and I would have to mail my information and payment to them by registered mail. Hence, no service was delivered at this time. 
Today I checked my bank account and found I was charged by experian for their non-service, twice. In attempting to call to resolve the issue I experienced call wait times over an hour and no resolution or refund. The service of locking my report should be free in the first place, I never signed agreement that they should hold or sell my credit information, and charging me without delivering a service is plain theft.

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 2019-04-13
Company: Tate and Kirlin Assoc
State: AL
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 received a letter from Tate and Kirkland Associates Incorporated out of XXXX Pennsylvania dated XX/XX/XXXX. The letter stated that the client has authorized to offer a discount of 50 % of my balance to satisfy the account that was originally {$690.00}. XXXX for a XXXX XXXX XXXX card I defaulted on. I call the collection agency and spoke to a representative by the name of XXXX XXXX. I I spoke with her and she agree that I can make to installment payments one on XX/XX/XXXX for {$170.00} and the next payment will be due on XX/XX/XXXX for {$170.00}. She agreed to delete the account once the total balance of XXXX was paid which is the agreed discounted offer of 50 % of the original balance of {$690.00}. I made both of the payment as agreed on time with my bank card was on file to make the payments and it was automatically drafted on the days as stated above. Now that the debt has been satisfied the account is still reflecting on my credit report with an incorrect balance only reflecting the XXXX I paid in 2 payments and still have the remaining balance left over from the original balance of the XXXX which is incorrect. As agreed by the representative from Tate and Kirkland Associates the account was supposed to have been deleted after the XXXX was satisfied. I have paid the debt, and it is still reflects on my credit report .The account balance is incorrect. I would like for Tate & Kirkland & Associates to honor the original agreement and delete the account from my credit report. I have called the company every day for the last week requesting for the original representative I spoke to to send me a letter of our agreement and to give me a call back. I have not received a call back and I have not still receive a letter from the Creditor with the original agreement to have the payment deleted from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is a misspelled last name showing up on my Experian credit report.. My correct last name is XXXX not ( XXXX ) I NEVER us this last name for anything and would like for it to be remove from my Experian 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 non-monetary relief
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I tried to release co-signer and was constantly given bad info. 
I refinanced my home and paid off the loans and Navient is still refusing to update the credit reports and/or release the co-signer and update his credit report, XXXX XXXX XXXX XXXX. They received the payment on XX/XX/2018 by US Priority Mail. Have cashed the checks and still they refuse to update my report, remove co-signer. They are still billing me and have added XXXX XXXX to the interest and principal. 

I have called, sent letters, attached a letter with the pay off. They said that the Federal Gov't does not allow them to adjust a pay off that they have to wait 30 - 45 days to do so. This is a total lie. 

I want this off of my Co-Signer 's report and I want a pay off letter and my credit reports updated ASAP. This is negatively affecting my credit and they already have their money since last Monday. I should not have to wait 30 - 45 days for them to continue to bill me and refuse to give me a pay-off letter which is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an alert from XXXX that a new account was placed for collection by a company by the name of XXXX XXXX XXXX on XX/XX/17. I do not have a contract or have done business with this company. This new listed collection account has dropped my credit score by several points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Special Financing Company, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I obtained a loan for a XXXX XXXX XXXX XXXX from my XXXX so that I can attempt to XXXX. The loan amount was paid directly to the doctor however after having an XXXX XXXX it was discovered that the XXXX were never removed meaning although I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  therefore, I am requesting to no longer be obligated for the loan I obtained and that the loan company retrieve payment from the Doctor Who they paid to complete the procedure. ( XXXX XXXX XXXX ) no one at the medical facility is contacting me back and no one that at XXXX XXXX XXXX is attempting to resolve the issue or contact me back either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: TD BANK US HOLDING COMPANY
State: SC
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 reported Nordstrom to XXXX, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XXXX 2018-present. I have even sent validation letters to Nordstrom and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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: Information belongs to someone else

Complaint:
I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from and it shows 2 accounts ( XXXX XXXX XXXX $ 5000+ ) XXXX XXXX ( $ 400+ ) that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 


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 2019-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
One week ago, I discovered that I had been billed approximately {$20.00} for a monthly subscription to the TransUnion Credit Monitoring service that I don't think I ever signed up for. I then went back to my credit card statements for the past year and discovered that I had been billed approximately {$20.00} for each month for at least the last year. I have tried to think back and can not think of a time I would have intentionally signed up for this product. Once I had figured out that they were billing me for a product I didn't want, I logged on ( after recovering a password I don't remember getting ) and cancelled. Thankfully, it was not that difficult to figure out how to cancel on the account, but that doesn't help me recover the more than {$240.00} that I have paid this company over the past year that I didn't want.

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 monetary relief
Consumer complaint received 2019-11-16
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft and have previously made reports to my local police, FTC, XXXX, XXXX, Equifax and Creditors on XX/XX/2019. I have placed Fraud Alerts and Credit Freezes on my reports in the past, but my credit file has continued to be breached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: NC
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:
Please remove collection account opened on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX on the amount of {$1400.00}. This account has been fully paid off. Attached is the letter from XXXX XXXX XXXX. Please update credit reports immediately. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

XXXX {$35000.00} Exquifax {$30000.00} TransUnion {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, XXXX, or TranUnion written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction

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