BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
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:
XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 Second letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that letter.

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 2022-09-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Credit Karma, LLC
State: FL
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: Didn't receive services that were advertised

Complaint:
The dates were between XXXX thank you for taking the time to help me with this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: PA
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 made several attempts in the past 3 years requesting the removal of these collection accounts directly with all XXXX credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld-XXXX XXXXXXXX XX/XX/2022 amount owed was paid. However, the company reported that i was still delinquent on the account. This is a false report and its affecting my credit score and my means of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern. My name is XXXX XXXX. Im writing you because an entry appears on my credit report that states I filed a Bankruptcy in your district. Could you please explain to me how this might occur, because to my understanding only the last 4 digits of the debtor social security numbers are released pursuit to rule 9037. Any information you could provide would be greatly appreciated.

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 2022-09-09
Company: Credit Karma, LLC
State: NJ
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: Didn't receive services that were advertised

Complaint:
I have had credit karma for months maybe even years and they constantly mention that I am pre-approved for numerous of bank credit cards. Every time I have tried to apply for one, I am always denied. 

Credit karma has given me false hope into helping make my life better for quite some time now & I think its not fair to fill thousands of users with false pre-approved card applications and many not having any luck. 

Its been such a huge issue that a article was published, about credit karma agreeing to pay users XXXX XXXX who were affected with this issue because of a complaint made to FTC. 

Now that I see that I wasnt the only one and that its been going on for so long. I want to fight against Credit Karma and receive the help I been prolonged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2023, I realized my renewal card was sent to an old address. I called XXXX XXXX card services abt my Milestone account that ends in XXXX. They updated my address/ sent new card, but then blocked my account for fraud activities. I called them, genesis/milestone wanted me to fax my ID. I informed them that I do not have access to a fax. I asked them to provide an email so I can update my ID/ prove who I am. They said they dont have email. They blocked my card ( which is fine ) they blocked my access to my account online so XXXX cant access the account or make payments on my account. Today, I requested that they mail me statements so I can see my acct activity. They refuse. They are reporting late payments to my credit bureau and charging late fees, but are not providing me with a monthly statement. They said my statements are emailed to me- Which is not true. I get an email reminder to login to my online account to make a payment. I can not login to my online account because access has been restricted. Ive called XXXX times between XX/XX/2023 and today, XX/XX/2023 asking for a statement of account. I told them to keep my card off ( because I cant fax them my ID ) but please provide a monthly statement so I can pay my card balance off and see the payments posted etc. They refuse to provide me with any monthly statements. They are not emailing me my statements. But they are reporting on my consumer report. today I talked to XXXX who closed my account/ told me my balance/ but still refused to provide a statement of account. They have charged me an annual fee of over XXXX $ even though I can not use the account. Im trying to resolve this situation and pay off the balance but its been a struggle. I just want a statement of account and to pay the balance off. The kicker : I have an Indigo card with Genesis/ XXXX XXXXXXXX and my address is correct on that account and I can use that card just fine. I can access that account online without any issues so they can clearly see that there is nothing fraudulent going on. Im not even using either card, just paying off balances. They could verify my address on my other account and just mail my statements to me. I havent seen an account billing statement since XXXX of 2023 but Im expected to make payments. Im not sure what Im paying. Am I over paying? Are they charging me fees that I dont know about. Please assist in getting this resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-12-12
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-09-09
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
LexisNexis has my phone number associated with a XXXX XXXX. I originally contacted them in XXXX of XXXX and asked that they remove my phone number from the account for XXXX XXXX. The person I spoke with informed me that the only way to remove the number is for them to send a letter to the address on file. I explained to the person that not only do I not live in the state of Texas, I have no association with that address and would be unable to receive correspondence. I contacted them again in XX/XX/XXXX and was able to have someone verify that my phone number was not associated with XXXX XXXX, however, they would only put a statement on file to not contact the XXXX XXXX at that number. Im receiving more calls and texts now, so that clearly did not work. I want my phone number permanently removed from XXXX XXXX account. I am royally confused to their persistence in keeping information on someones account that they know is incorrect. It takes a lot of time to figure out how to speak with someone at LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Upon checking my Experian, XXXX, Experian reports I found inaccurate and unauthorized inquiries. I have sent out dispute letters to aforementioned bureaus for them to investigate and have deleted. Please advise.

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 2022-09-09
Company: PNC Bank N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text and then a call from what appeared to be my bank. The caller id said PNC Bank. I was told there was a request to send money via XXXX  that looked supicious. They asked me if I had authorized a transfer of money and I hadn't. They then walked me through a process to prevent the money from leaving my account. This process actually sent them {$1000.00}. As soon as the process completed they hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I received a Loan Modification with Partial Claim on XX/XX/XXXX from XXXX Bank. My new terms were payment of PITI {$2500.00} with 5.125 % interest rate term of 480 months with Maturity date XXXX/XXXX/XXXX. There was a Quit Claim Deed removing my ex-husband from the deed. I signed the modification agreement which only had my name, returned it to XXXX and it was executed by them. I received a copy of the executed document back. My first payment was made to XXXX on XX/XX/XXXX with the amount of {$2500.00}. Shortly after that, I received notice that the loan was transferred to Mr. CooperXXXX in XXXX the following payments of XXXX & XXXX were made to and accepted by Mr. Cooper. Then in XXXX & XXXX they did not accept my payments. I was at that time informed that there was an issue with XXXX not giving the entire agreement to Mr. Cooper. I was previously working with a housing counseling agency XXXX XXXX XXXX XXXX ( XXXX ), so I turned to them again for assistance with this matter. So, on XX/XX/XXXX, XXXX XXXX from XXXX reached out to Mr. Cooper & was informed by the rep XXXX, that the modification agreement signed by XXXX had an error. At which time she advised that the Executed Modification Agreement should be honored, and I was conferenced on the call to make both XXXX & XXXX payments which I did right then & received a confirmation number. I also set up an automatic payment for the month of XXXX which on XX/XX/XXXX, the payment was withdrawn from my checking account. Thinking everything was settled, I felt all was back on track. When I went to make my XX/XX/XXXX, it was not accepted. Since then, XXXX XXXX ( XXXX ) & I have escalated the issue with Mr. Cooper and working with XXXX at the escalation dept. We were now informed by Mr. Cooper the issue was that my ex-husband 's name was not on the XXXXXXXX  Executed Modification Agreement and that his name needed to be on there. So, they were going to re-issue the agreement to include his name ; however, when I received the documents with my ex-husband 's name now, there was only a Partial claim, the Loan Modification portion was missing. We also noticed the maturity date and the amount of partial claim amount were different from XXXX. This was brought to the attention of XXXX XXXX escalation team ) and we are still awaiting a response. I have spent XXXX, XXXX XXXX and XXXX trying to resolve this issue. Numerous phone calls were made by XXXX XXXX and myself to have this issue resolved and thus far still won't accept my XXXX & XXXX payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
Update and remove the account that is inaccurate. Please see the documents I attached to confirm.

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 2022-09-09
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called and talked with Firstmark customer service a few weeks ago about military benefits ( Servicemembers Civil Relief Act ). I told customer service that I received an e-mail that stated, " XXXX XXXX is not indicated in orders. Please provide your most recent XXXX XXXX orders for secondary review ''. I explained the situation and told them where they could look for the words XXXX XXXX on my orders. I ended up getting put on hold several times for the duration of an hour. Every time I was put on hold there was a different explanation. I was told that I had to be current XXXX XXXX, but when you look at the website it states, " If you are currently serving or have served on XXXX XXXX ''. Then I eventually got hung up on. I called back and talked, to another customer service rep and was told to resend my orders and highlight the part that says XXXX XXXX. I sent my highlighted orders and a screenshot of their website. Its been over a week and still no response. On XX/XX/12, I called Firstmark Services to follow up on what was going on with the response to my Servicemembers Civil Relief Act, and was told that I had to be currently on XXXX XXXX, which is not what their website says.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus XXXX, XXXX, XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.

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 2023-09-27
Company: Westlake Services, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally loaned the car from US Auto Sales and they went out of business and sold to Westlake Portfolio. Ive made my payments on time and the balance on my account hasnt been going down. Theyre reporting to the credit bureau the wrong amount of what it should be. It comes off my credit and comes back, making hard inquiries on my credit causing it to go lower and lower. Ive contacted Westlake Portfolio to see why this is happening and only thing they tell me is I can contact US Auto Sales. I cant contact US Auto Sales because they are out of business so no one responds. The loan itself was already overpriced and Im not sure what to do. I cant send photos of payments made to US Auto Sales because it doesnt allow me to log into their website anymore, its automatically transferred to the Westlake Portfolio website.

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