BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
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:
will state the facts as it appear on my credit report, on XX/XX/2019 a collection account from XXXX XXXX for {$1500.00} was removed from my report per the collector without any change to my score which was at XXXX and on XX/XX/XXXX my score dropped 77 to XXXX for no reason. I believe my score was suppose to go up 77 point to XXXX after the account removal by XXXX XXXX, you can check my score trend to validate my contention

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 2019-07-08
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:
1-I will like to keep my XXXX XXXX XXXX fully and timely paid closed account on my report since it demonstrated my payment history that should always be part of my report, it was removed on XX/XX/2019 2-will state the facts as it appear on my credit report, on XX/XX/2019 a collection account from XXXX XXXX XXXX for {$1500.00} was removed from my report per the collector changing my score which was at XXXX by dropping 76 to XXXX. I believe my score was suppose to go up 76 point to XXXX after the account removal by XXXX XXXX, you can check my score trend to validate my contention

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 2021-06-11
Company: Mountain Run Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I had written to MOUNTAIN RUN SOLUTIONS LLC, and ask that they validate the debt. I received a validation letter from them and it was not my signature. Which I already knew because this debt had been sold from a previous collection agency that I had to contact you about before. 
In their response letter on XX/XX/2021, included the falsified signature which I knew, and a letter stating they purchase the debt from XXXX whom I have never signed a contract to do any business with. In the letter, they stated I can settle the debt for {$2000.00}. 
And they sent the response letter in an envelope with their logo and name posted boldly on the front of it. 
I wrote them another letter on XX/XX/2021, letting them know about the FDPA act and to please send me {$2000.00} dollars for a violation of my rights. They turn around and sent me the same information on XX/XX/2021. And never removed it from my credit report.

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 2021-06-11
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to get an unvalidated Cox Communication account removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the Cox Communication was confirmed by. I honestly do not believe anyone is doing an investigation because if so, they would be able to produce the documentation within the legal time frame.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: IN
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 reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. Experian sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( Experian )XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} # XXXX  this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX  this account is NOT mine. XX/XX/XXXX XXXX  {$790.00} # XXXX  this account is NOT mine. Inquiries XX/XX/XXXX XXXX XXXX XXXX NOT mine, XX/XX/XXXXXXXX XXXX XXXX, NOT mine, XX/XX/XXXXEXPERIAN BUSINESS CRED, NOT mine. ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  {$790.00} # XX/XX/XXXXthis account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX  this account is NOT mine. ( XXXX  )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} # XXXX  this account is NOT mine.XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX  this account is NOT mine. Inquiries : XX/XX/XXXX XXXX  NOT mine, XXXX XXXX XXXX XXXX /XX/XX/XXXX NOT mine, XXXX XXXX XXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX XXXX /XX/XX/XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company forced me into a verification process that lasted months, during which time I was unable to update my banking information to make payments. The have no phone system and they never responded to emails. Then I suddenly receive a settlement offer, which I accepted and paid but they dont report it to credit agencies, theyve saddled me with a bunch of missed payments, which I could do absolutely nothing to remedy and they did not provide me a copy of the settlement either electronically or by mail. An immediate investigation needs to be launched on this company and its unfair and seemingly illegal practices.

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 2021-06-11
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried for a few years to have a derogatory acount taken off of my credit from simply bee that was not me. I never authorized the card, had the card, used the card or signed for anything to do with the card or charges. XXXX  and XXXX  are saying they confirmed it was me. That is impossible as it wasn't and could not have been. XXXX XXXX agreed it was not me and deleted it finally but XXXX  told me to file a complaint and send them the complaint for as well as the XXXX XXXX findings and deletion from my credit report. I did call simply be and they said they had no information except they sold the debt. They gave me a number to call and that number went to a closed company. Could not talk to anyone. So how cold a closed company nor simply bee say it is confirmed it was me when it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I took a loan in XX/XX/2016 ( XX/XX/16 ), I was paying on time. 
After i loose a job, i had returned the car, dealership said I'm done. 
But later Santander bank charged my account for {$10000.00} with no explanation. 
This is ruin me credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: MO
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:
I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
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: Account information incorrect

Complaint:
The date of last activity reporting on this account is inaccurate. It's reporting that the date of last activity os XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Equifax ). From my understanding the date of last activity is a date which the account last updated. Why is there a gap of 5 years between Equifax and XXXX. From my understanding I have a right to fair, complete, and 100 % accurate reporting which can not be the case if one account has been updated as of recent and the other account has not. I also made the credit bureau 's aware of this previous to this new update and nothing happened. The account information remained verified despite the fact that I used information that came directly from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-12-26
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I used my US Bank account to fund a transaction in error. I did not realize I used this account until XXXX in which I immediate took action to resolve the issue. I updated my address and contact information, contacted US Bank about the fees assessed against my account ( {$36.00} on XXXX, {$25.00} on XXXX, {$36.00} on XXXX when the fee originally fee could not be charged - this charge should not have occurred ), {$25.00} on XXXX ). Over the phone, I was told that they could only waive the two {$36.00} fees because the two {$25.00} fees were placed by the branch. I moved to NJ, there is not a US Bank near by, I had a friend make two deposits into the account on XXXX, which left the balance negative {$49.00}. He spoke with the US Bank in Nebraska who said that they ca n't waive the fee, that the branch where the account was opened is the only place that can waive the fees. On XXXX, another {$25.00} fee was placed for being negative for more than 7 days. On XXXX an automatic payment was made which resolved the negative balance. 

I called the local branch where I opened the account and XXXX denied my request to waive the fee. I called the CS number and they said they could not help because they can only waive 2 fees a year. I 've never had a fee in my 8 years of banking with them. I asked for an exception and was denied. I spent over 2 hours on the phone trying to get my issue resolved. 

I would like to understand how the second {$36.00} fee was charged, it does n't make sense or seem fair that a bank can charge a fee for their own fee being declined. And the last {$25.00} fee would not have happened if the bank teller on XXXX provided accurate information that the bank would not waive the two {$25.00} fees to start with.

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 2017-10-03
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received calls on my cellphone during work hours. I have verbally told them that I can not receive calls during business hours. I have told them 6 times. I went on their website and sent a message that they may not call me during business hours ( XXXX ). They have recently starting calling my office. When I logged on to submit a forbearance and/or deferment, I changed the settings showing my office number. Today, XXXX/XXXX/XXXX, they called again. I called them back. I was transferred to a " specialist ''. I informed this lady that I have filled out the Income Based Repayment documents. She had me listen to a recorded message and stated that she had updated my file ( s ) and the calls would stop. She did warn me that they would start up again on or about XXXX/XXXX/XXXX if I have n't submitted the documents. Fast forward 3.5 hours, another call at my office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current 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 explanation
Consumer complaint received 2021-06-11
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: Account information incorrect

Complaint:
I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was block on XX/XX/2020, XXXX XXXX and after blocking I was told I will be able to transfer my funds from the account after 180 days. Its more than a year now Ive not been able to transfer my funds. I have {$310.00} in my account, Ive lodged complains on my PayPal account but still not getting solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent several letters to Equifax regarding fraud inquiries on my credit report. I have also submitted a identity theft report from the federal trade commission which they keep saying they have not received. This report was attached to the letter I sent previously. I have advised Equifax several times that these inquiries are related to fraud. Equifax is violating the FCRA by reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: SYNCHRONY FINANCIAL
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 had a hard inquiry on my XXXX XXXX report on XX/XX/2019 that is incorrect : XXXX XXXX XXXX This is the institution that was said to have made it, I called them and they said that they did not do it. 

Institution Information Syncb XXXX, FL 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 2017-10-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
equifax violates my right XXXX XXXX XXXX inaccurate information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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: Account information incorrect

Complaint:
I have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating

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 2019-07-08
Company: RoundPoint Mortgage Servicing LLC
State: VT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have attached images and a pdf of all transactions to show dates. The mortgage company, Roundpoint, has on several occasions taken our escrow money as an advance recovery without disbursing the funds. It amounts to approximately {$5000.00}. In the time they were doing this, our fixed rate mortgage went up by approximately {$400.00} per month.

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