BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is incorrect information reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Company: Experian Information Solutions 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:
There's an account on my credit report that I am unaware of. I have medical insurance in which I am fully covered. I don't have anything signed with this company.

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 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There's an account on my credit report that I am unaware of. I have medical insurance in which I am fully covered. I don't have anything signed with this company.

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 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE SENT OVER XXXX XXXX LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 2019

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 2018-02-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXXXXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX T XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi I am a very concerned private student loan customer of Navient. I have made three payments in XXXX that posted on their website and received a call today that two of them were retracted. I called my financial institution and the funds were not retracted they were paid. Navient is saying they were not paid and the funds were withdrawn from my account leaving me 60 days past due and potentially taking a credit hit. Can you help in anyway? 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a membership with this company. I asked them several times to use my funds in my investment account with them to pay off my loan and close my account as I could not afford it anymore. They said they only do that for really delinquent people. So I said you're going to trash my credit then decide you've trashed it enough then allow me to close the acct with the investment funds. Now they have reported it late on my credit. This is unethical when they had the fund from my investment account to settle this account before it was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Experian Information Solutions Inc.
State: WA
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: Problem with product or service terms changing

Complaint:
I purchased the service of XXXX per month. Under this subscription, XXXX XXXX XXXX was to report rent payments to three credit Bureau 's. XXXX XXXX did so for three months. then I changed my user name on my bank account. XXXX XXXX couldn't access my bank account and record my information, I contacted XXXX XXXX via several emails and it would take XXXX XXXX 3 or 4 to respond to a email. 
I was now stuck in a situation of paying for a service and getting nothing in return, I cancelled XXXX XXXX and my Eperian score started dropping my credit score points. 

Here 's a copy of the email prior to my score drop, A self-reported account was removed One of the self-reported accounts you added through Experian Boost was automatically removed from your Experian credit file because no payment was reported for it in the past 90 days. Please connect a different bank account that you use regularly to pay bills through to continue reporting positive payments to your Experian credit file through Experian Boost. 

I have no negative remarks or late payments for over 2 years and

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 2019-09-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone has either hijacked an old account that I opened but haven't accessed for over 10 years or opened an account in my name using ID theft. I know this because I got a decline letter from XXXX XXXX  for paypal credit. I didn't apply for paypal credit and i don't have or use paypal. I have no bank accounts connected to paypal and haven't for over 10 years. If there was an old account I setup long ago, I don't know the bank or account number and this account would now be closed. 

The system will not allow me to change the password and I get stuck in a loop where I'm asked for to change my password over and over again, each time with a password that isn't one of the previously selected passwords in the previous loops! I enter the password and it comes right back to the same screen.

I called paypal and their overseas support department didn't seem to care and had very little interest in helping me resolve this fraud incident. They are asking me for the last 4 digits of the bank account which I don't have since I have no accounts associated with paypal. Again I don't use or have paypal. 

At this point paypal will not close this fraud account that someone besides me controls and so I will try this method. I hope you can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I spoke with someone at Onemain and asked them not to call me at work because I am not the only who have access to the voicemails we have no full privacy at the workplace. I was really humiliated when I received a call on on XX/XX/2019 not only did the person ( XXXX ) call but she left a voice message and the most embarrassing thing is she left the a message with the telephone number and which my coworker looked the number up and knew it was a individual calling about a debt I owed. She then called again on XX/XX/2019 and left another message. 

I also received a call on XX/XX/XXXX from a individual who call from a local cell #.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2019-03-26
Company: Cawley & Bergmann, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep receiving calls from the office of XXXX XXXX  XXXX but nowhere in the voice message did they say what the call was about, they just said it was a business matter. I have the voice mail saved on my phone if you need me to send it to you. They are trying to collect a debt but I have no idea who they are and why they are calling me. They should only contact me via mail and never call. This is after I mailed a letter to the collection company requesting information on the alleged debt. I believe they are infringing in my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX I purchased a XXXX XXXX and Santander was the one who financed my loan. My balance on XX/XX/XXXX was {$22000.00}. Since then I have made approximately 30 payments of {$510.00} ; Some months even more. Every time I looked at my balance it seemed like it's never decreasing but staying the same or sometimes even getting higher. As of today XX/XX/XXXX Santander is still saying I owe {$17000.00} as the principal balance and {$18000.00} for the payoff amount for a XXXX XXXX that was purchased in XX/XX/XXXX. In XX/XX/XXXX I got  into a horrible accident and received a check for my diminished value. Since Santander is on the loan I called to ask if they could sign the check and send it back to me. I was told to send it in expedited and they would return and send it back. Instead, the cashed my check for {$4100.00} and put it all towards their interest. I had to call the 3rd party to put a stop payment on the check. I've reached out to Santander multiple times to see why my payments are not being applied correctly and also to question how my payments have been applied. I've received no resolution and have been treated poorly as a consumer. Some payments I make go straight to the interest and none to my principal. How is this ethical? I would like a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I had to go to the emergency room for my XXXX  XXXX very suddenly. I felt that something was wrong, and when I got to the emergency room they ran some tests and sent them to my doctor. They also gave me an XXXX. 

My husband was in the XXXX at the time, and we had XXXX. I gave the hospital all the information they needed for our insurance. XXXX covers two visits to the emergency room if they are out of the network, which that was our first time. 

We thought everything was covered, until we got a call from the debt collector. almost 6 months later. We said XXXX paid it. They said no. We called XXXX. They said they did cover it. I can not afford to pay XXXX dollars to get this off my credit report, and I need to very badly because it is effecting me.

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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 went to my bank to get a line of credit and they reported a social security is there is not mine as well 2 accounts doesn't below to me. 

I only used a ITIN # to paid and taxes is the only # I used for any bank transaction.I called transunion claim they can't see any account since I have an itin #, but I have the bank report show that 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 explanation
Consumer complaint received 2019-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE SENT OVER 3 609 LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: TX
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:
I have reviewed my credit report and i continue to notice unauthorized accounts and information and under Title 15 USC 1681a ( 3 ) you guys assumed this role without permission, and did not have my consent. Equifax did not respect my right to privacy pursuant to 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, you were unfair. I have already taken the liberty to file a complaint with my attorney general. Equifax never had permissible purpose under 15 USC 1681b ( 2 ) I never instructed Equifax to furnish this report, and I never consented to this report. What I am demanding right now is that Equifax delete all these accounts and inaccurate information off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is not a new complaint. I noticed that I have complaints that remain unresolved. Can someone follow up on this please?

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 2018-06-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am applying for a mortgage and the loan officer told me that Equifax is not reporting a credit score. They do report credit history but no score. XXXX and XXXX both report credit scores with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  removed XXXX XXXX XXXX from my credit report with the fraud settlement documentation I received from the courts. But XXXX  and Experian will not remove the charge off. The charge off on my credit report was qualified from the year and state involved in the lawsuit settlement. I have sent them the documents but they refuse to remove 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 2020-10-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent several dispute letters to Experian on XX/XX/2020 along with Proof of my identity, and Ihave not received a response yet to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: TN
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:
XXXX  removed XXXX XXXX XXXX from my credit report with the fraud settlement documentation I received from the courts. But Equifax and XXXX  will not remove the charge off. The charge off on my credit report was qualified from the year and state involved in the lawsuit settlement. I have sent them the documents but they refuse to remove XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: STERLING JEWELERS, INC.
State: LA
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:
As a result of COVID-19 I was unable to pay on my credit card because the place where I paid the card from the first time I used the credit card was closed due to the pandemic so I was given a 30 day late on my credit card. The company is Kay 's and the bank is XXXX XXXX XXXX. I have always paid my bill from the day I made the debt. I reached out to the company explaining my disposition but no matter what they stated they had no good will program therefore they could not or would not help me. A 30 day late payment decreases the credit score significantly and I was in the process of closing on my first home. I explained that I attempted to pay by other means but due to the hours I work I was only able to call on my break and at that time I was unable to get through or when I attempted to pay on the website it would take me halfway through then kick me out. This situation was brought to my attention on XX/XX/2020. I could and would understand this if I was frequently late but this is nor was the case, so now my family will not be able to purchase our home. The pandemic has totally taken everything from me. All I'm asking is for understanding and help so that I can better me, my family and our future because if this 30 day late payment is not removed it will be a year or more before I can raise my score back to where it needs to be to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Army and Air Force Exchange Service
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A military star credit card was opened in my name and I suspect it was my estranged father who I have had little connection with the last few years. I submitted and Ide tu theft affidavit to Military Star but after investigation they refused to removed the account from my credit report as they deemed it was familiar fraud. This has been an ongoing dispute process for months. Ive been using XXXX XXXX to handle it. Recently I was in home loan process on this account is interfering with my qualification for a loan on a house because of the late payments on the file. Ive been trying to get it remember for months. I requested statements be sent to my home of record, which Ive yet to receive, so that I can file a police report on this but they have not sent me any statements or proof of statements.

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