BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on TransUnion saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXXand it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX  and TransUnion should have some blame as well because dates and amounts don't line up and TransUnion was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..

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 2020-08-23
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I have request Transunion and XXXX by phone / fax and letters to up date my personal information.

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX   deleted all all information which shows me that XXXX and TransUnion failed me as a Customer. TransUnion and XXXX has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.

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 2020-05-12
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
Duplicate reporting of various student loans. I am currently paying my student loans to XXXX yet information that I am not aware of or familiar with the amounts listed yet showing up multiple times my credit report. 

Bureau Name XXXX XXXX Original Loan Amount {$5000.00} {$6000.00} {$3500.00} {$9700.00} {$4500.00} Bureau Name XXXX XXXX XXXX XXXX - These items need to be removed from the credit report Original Loan Amount {$8500.00} {$7600.00} {$5100.00} {$5200.00} {$6200.00} {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Prosper Marketplace, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I would like to request the following items to be remove off my credit report " XXXX and XXXX " in the next 30-45 days if possible. I have never applied for credit or benefit financially in anyway from these two companies. I previously contacted " XXXX XXXX  '' and explained the situation and they assured me to fix the problem. It's been 8 months since the last contact and nothing has been resolved. The following item is damaged my credit and it's jeopardizing my ability to find housing because my credit decreased Please expedite my case since I have worked diligently to have a decent credit and having a negative or a hard inquire mark in credit report is jeopardizing my ability to find housing or credit anywhere else. therefore Id like to see this matter to be resolve in sensitive time manner. 

Sincerely, 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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Duplicate reporting of various student loans. I am currently paying my student loans to XXXX yet information that I am not aware of or familiar with the amounts listed yet showing up multiple times my credit report. 

Bureau Name XXXX XXXX Original Loan Amount {$5000.00} {$6000.00} {$3500.00} {$9700.00} {$4500.00} Bureau Name XXXX XXXX XXXX XXXX - These items need to be removed from the credit report Original Loan Amount {$8500.00} {$7600.00} {$5100.00} {$5200.00} {$6200.00} {$4100.00}

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 2020-08-23
Company: Sterling Infosystems Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a XXXX XXXX  at XXXX. They did a background check through a company called Sterling Talent Solutions. The report had a traffic ticket that was taken care of in XXXX. All cleared. I went on the XXXX  website to update my profile and there was a notice that my account is suspended due to a negative report. I called XXXX and they said to file a complaint, they were no help. When I was sent the report from Sterling Talent Solutions they also gave me a Summary of my rights. It says in one portion of my rights that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more that seven years old, or  bankruptcies that are more than 10 years old. '' The incident that they are reporting is over 15 years old. This has impacted my finances as I am looking for work through XXXX. I have worked as a XXXX XXXX   XXXX XXXX XXXX  and licensed in 50 states. I have never had a problem with my extensive fingerprint and background checks until now. I do need to have this rectified immediately so I can work. Sterling report ID 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 2018-12-12
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My son, has been on SS benefits since he was 8 years old, he has XXXX  XXXX  and XXXX  XXXX  so I am writing this out for him. He got a credit card back in XX/XX/2008 and I was paying on it. He had a run in of problems and couldn't pay any longer. Through the years we got phone calls, letters to pay XXXX XXXX. Years ago an attorney firm of Hayt, Hayt and Landau contacted us, made everything look legal, but still my son said can not pay. Just a week ago, I received this deposition notice that they want him to appear at the Bar Association where we live with all kinds of paperwork, proof of income, property, etc. All he has is one vehicle and we share one junked vehicle. Now today I get a FINAL NOTICE from the USPS that there is a large package that has to be picked up. We are home everyday, no post officer knocked on the door for a  signature, he just put the slip in the mail box. I wrote them on their website ( Contact Us ) and told them, he is on SS, this is a very old debt, not on his credit report ( which I just checked yesterday ) and to stop harassing us. We do not have anything else, as myself, and my other son are also on Social Security. I am my son 's rep payee and he says he will not pay an old debt. They can not garnish federal benefits if this is a time barred debt. If this makes it to the Magistrate, then so be it, we will make payments. But they have been harassing us for years, I had to get a phone system that blocks callers. I read on the net that this company has gone to many lengths to collect a debt. If this is something we definately need to take care of, I need to know. I will talk to my son but it will have to be a very low payment every month and they can bring it down 30 %. I am afraid to talk with them on the phone and my son won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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:
My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. Transunion is refusing to remove 4 items from my credit report. They are XXXX XXXX XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items removed completely instead of them XXXX them out.

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 2019-11-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/XXXX I was informed that my XXXX credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.

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 2020-05-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report and had come to find out I had unknown accounts on it. I reached out to Commonwealth Financial Systems to try to fix the issue but it was no avail. All 5 accounts are Hippa Violations and I haven't received any services nor products from Commonwealth Financial Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX XXXX payments and my good standing with zero past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in XXXX, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my XXXX XXXX. Attached are also the card statements of XXXX and XXXX. In the XXXX Credit card XXXX statement there was not any XXXX yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again. 

On XX/XX/XXXX I filed a complaint as Experian had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my XXXX  scores for more than 7 months. After investigating with XXXX XXXX XXXX XXXX where I do have a XXXX  XXXX account since XX/XX/XXXX with zero past due since 6 years, we have got a letter dated XX/XX/XXXX from XXXX XXXX XXXX  certifying that they do properly report to Experian all my financial payments. In addition, I can see some of my financial data appearing within my online Experian account where the year XXXX and XXXX are fully missing. This is the proof that Experian knows about my account at XXXX XXXX but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, someone impersonated me and opened a savings account and a checking account at Huntington Bank in XXXX, Ohio. 

This person used my name, old address, cell phone number and SSN that was XXXX digit off from my XXXX. 

I went to the bank and the accounts were closed. I also reported the incident to my local police department. The person also used a fabricated XXXX XXXX number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This agency is reporting inaccurate information. I have been unable to get in touch with this creditor because the mail was returned and this agency is reporting this address on my credit report. I have disputed this with the agency and they refuse to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Called to get a deferment on the loan due to hardship caused by COVID. ( We were unemployment ) was told by this company they werent offering them unless payment was late. 
Traded the vehicle in the dealership was late on paying the old vehicle off. We called loan company they told us there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Simon's Agency, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX I originally reached out to XXXX XXXX for assistance repaying my loan and seeing if I could get a lower monthly payment or other options due to the fact that my income had significantly changed. I was told that the only option offered by the compan was a forbearance of 3 months. This cost me a total of {$150.00} fee ( {$50.00} for each loan ). The {$150.00} did not appear to have been applied to my loans and I continued to accrue interest over that 3 months that totaled around {$500.00} that was added to my loan amounts. 
I again reached out to the company on XX/XX/XXXX for financial difficulties and again was told that a 3 month forbearance was my only option. Again paying a fee of {$150.00} and accruing {$450.00} during that 3 month period. I have documents for the XX/XX/XXXX forbearance and am currently working getting records of my XX/XX/XXXX, as the company only allows users to view statements for 24 months. 
I have also had several interest rate increases in the life of my loan without any prior notification of rate increases until I notice it on my bill causing my monthly payments to increase by over {$100.00} in the life of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had my phone number since 2010. I have been getting collection calls From Fifth Third Bank I believe for a collection. They call every day almost and have been doing it for well over a year. I have asked two separate people that I have no clue who these women are and to stop calling but it just continues ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: SYNCHRONY FINANCIAL
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:
-My ex-wife filed for bankruptcy on XX/XX/XXXX. 
-I was notified via mail on XX/XX/XXXX ( see attachment ). 
-I co-signed on a Care Credit/Synchrony Bank credit card for her while we were married. This card was to be used for the children. Each person was responsible for their own charges on the card. Charges relating to the children were to be split. This statement is documented in our divorce decree ( see attachment ). Divorce was finalized on XX/XX/XXXX. 
-I was never asked for any payment from her in regards to the kids, nor was I ever informed about any charges made in regards to the kids. 
-I have tried to mitigate this issue myself by speaking with Care Credit/Synchrony Bank on numerous occasions over XXXX. I requested statements to view the charges and I requested a copy of the original signed application and was denied. They refused to supply me with any paperwork. 
XXXX XXXX, XXXX I hired a legal representative to assist in this issue ( see attachment ). Care Credit/Synchrony Bank refused to work with the law office as well, and stated that the law office would need Power of Attorney in order for them to release any information. The response letter from Care Credit/Synchrony Bank sent to my lawyer was not addressed to me, rather it was incorrectly addressed to my ex-wife ( see attachment ). 
-My credit report shows a derogatory mark because of her bankruptcy. 
-The Care Credit/Synchrony Bank account number with the derogatory mark is not the Care Credit/Synchrony Bank account I co-signed. 
-I do not have any connection or affiliation with the Care Credit/Synchrony Bank account that reflects a write-off. 
-I did not authorize or co-sign on another Care Credit/Synchrony Bank account. 
-I respectfully request that this derogatory mark be immediately and permanently removed from my credit report and reflect equally at all three credit bureaus.

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 2018-09-30
Company: Experian Information Solutions 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:
Hello please need to removed a collection is showing in my credit report innacurate, I filled a complaint to dispute a collection is showing in my credit report that is never been my account or never had a credit card with this company or bank thank you.

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