BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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:
I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r

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 2015-09-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are tax lien 's on my report. I have always paid ALL my taxes on everything. Was never notified by anyone that there was an issue until I looked at this report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
my XXXX score is XXXX according to XXXX XXXX. This score is based on no missed payments- green, recent cc useage - green and ratio of balance to limit on revolving accoungs is too high -- RED. However when I go to Credit Utilization below, my score is 27 % which is green. And when I look further it shows that anything under 30 % is green. So.... how can my key factors be both red in XXXX spot and green in another. Thus my score should be higher. 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 2022-07-15
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
President Biden has canceled student loan debts worth {$3.00} XXXX. And this cancelation includes the {$500.00} XXXX of XXXX XXXX student loan forgiveness. 
I am a former student and attended the college from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX Date Opened : XXXX -- XXXX XXXX : {$1600.00}

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 non-monetary relief
Consumer complaint received 2019-03-19
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since 2018 we have been trying to get mortgage assistance. We have been denied twice based on what they decided which we know we could of qualified. In our 3rd attempt we, with the same info previously provided, have been getting the run around in all types of documents they are wanting. What was a small amount of monies in arrear is now getting double of that because of their delay in application process? In their most recent request, they have wanted to have us have quitclaim deed, the house insurance, etc. While all of this is going on and we are in constant contact with them, they have us still going to court because they say the foreclosure process does not stop. Then why have us provide all this info and await a decision if you are still foreclosing? We are now chasing them by calling every day and still no official decision or approval paperwork but yet, they dont stop the foreclosure proceedings or update their attorneys. In Illinois, document states that if a loss mitgation application is in the works, they should of never proceeded with foreclosure proceedings but allow us enough time to resecure the debt. As mentioned in the beginning, we started this process a very long time ago when we fell into a financial issue of job loss. We started with a temporary relief of an unemployment application which just put us more into issues because by the time you are done with the payment plan, it consittes 1 whole month of mortage but yet you are now 6 months more in dedt. I believe they set us up for failure to take our home away.

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 2022-10-24
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit 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 non-monetary relief
Consumer complaint received 2021-07-09
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several disputes to XXXX  disputing the validity of this alleged debt from Rent Recovery Solutions regarding a debt for. I have received responses stating the debt was validated. I also request to know how this was validated and received a very generic response. I received information from Rent Recovery Solutions regarding the alleged debt which was very incomplete and with discrepancies. I have had no dealing or business relationship with Rent Recovery Solutions. Furthermore how do you determine an amount past due rent for XX/XX/2015 when there is not a lease for XXXX provided. I have sent this information to Rent Recovery Solutions regarding this discrepancy. Please see attached details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: AL
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 mailed certified letters to the credit bureaus on multiple occasions in an effort to contest inaccurate information on my credit reports with Equifax, XXXX  and XXXX. Each time I get notification that the information is being disputed and subsequently verified and nothing is changed. I challenged 2 bankruptcies that are on my credit reports with Equifax and XXXX  ( XXXX  removed ). Equifax and XXXX   replied that they verified the information belonged to me. I then went physically into the bankruptcy office and spoke on record to individual who provided document stating that they had not verified any information about me with the credit bureaus. XXXX removed the 2 bankruptcy accounts but left 1 invalid/inaccurate account ( XXXX ) that has since been paid off but being reported as a charge off with a balance and negative history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: TX
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 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 explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking over my credit report and noticed an account with XXXX XXXX XXXX XXXX XXXX that doesn't belong to me. it is now being reported as closed and im owing hindering my ability to obtain 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 2022-07-15
Company: Experian Information Solutions 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:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Netspend Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good afternoon, I been a customer 2004 with Netspend I filed two claims # XXXX and claim # XXXX for the amounts of {$4500.00} and {$3800.00} for fraudulent transactions from XXXX XXXX XXXX  on XX/XX/XXXX after trying to use my card to buy food it being declined. I never received anytime alert stating these transactions were made. When I called I was made aware of transactions and they were still pending and I tried to get agent to block and stated she couldnt. I have received correspondence of closure of my claim. I have never lived in those apartments I own my home so I pay mortgage. I would like my funds totaling {$8300.00} to be sent to me immediately. Trying to go thru customer service is a nightmare. When I get an agent its hard for them to verify me but finally got their today only to be told money is gone. How is that even possibly? XXXX out my account gone? I need my money!

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 2022-07-15
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Financial Accounts Service Team Inc.
State: TN
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:
For this entire month so far, Financial Accounts Service Team of XXXX XXXX XXXX In XXXX, TN, XXXX, has been calling me. I searched the number and company, and found that there have been 10 complaints filed against them with the XXXX XXXX XXXX, 7 of which have been in the last 12 months. I am not sure at this point if they re actually am legitimate business or a scam. So I proceeded with caution when I returned the first call. The person who answered asked if I was the person they were trying to reach. I refused to say yes or no because I thought they might be trying to get me to do so in order to record it and use it, and I told her so. So we got no farther. I told her to stop calling the number or I would report them to the Federal Trade Commission, which I have done. Her response? " That doesn't work on debt collectors, ma'am. '' I have continued to receive calls from them despite telling them not to call me anymore. They continue to use the telephone service to harass me. The most recent call was on XX/XX/18 from XXXX, who gave her extension as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Service, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed in error and I would like to appeal this decision. 

Firstly, I would like to clarify that I have not violated any PayPal policies. As a responsible PayPal user, I have always ensured that my transactions are legitimate and comply with PayPal 's terms of service. Therefore, I am perplexed as to why my account has been permanently limited. 

Furthermore, I would like to request that PayPal re-investigates my case and considers the possibility of restoring my account if appropriate. I am confident that a thorough investigation will reveal that there has been a misunderstanding or mistake. 

In light of the above, I respectfully request that PayPal takes immediate action to review my account and reconsider its decision to limit my account permanently. I urge PayPal to provide me with a timely response to this complaint and take the necessary steps to restore my account, as I rely on it for my online financial transactions. 

Thank you for your attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.

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 non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  XXXX Accounts # XXXX has been paid and closed since 2020 but on my report, this is still showing with lates but my record shows XXXX balance. How can this be? They should be update this account.. This inaccurate account is preventing me from getting the credit I deserve and it needs to be updated immediately! 
XXXX  XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-11-20
Company: LEXISNEXIS
State: ND
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:
On XX/XX/2018, I filed a complaint against LexisNexis with the CFPB, Case # XXXX, about an erroneous reported bankruptcy appearing on my credit report. I requested they provide me with the original creditors name and telephone number, and who they spoke to that physically verified this account was indeed mine. 
On XX/XX/2018, I received a letter from LexisNexis stating they had indeed verified this account as accurate. I am writing this complaint to the CFPB to notify them that LexisNexis has violated my FCRA rights and I intend to pursue litigation against LexisNexis for monetary relief for this violation. 
In the letter sent to me, LexisNexis states they received verification of this erroneous verified bankruptcy from LexisNexis XXXX XXXX XXXX XXXX XXXX, a company which they indicate sells public records to a variety of customers, including consumer reporting agencies such as XXXX , XXXX , and XXXX . LexisNexis XXXX XXXX has no role in determining what public records relate to which consumer.

This is a violation of FCRA 611 ( 6 ) ( iii ) which I have also included in my complaint. LexisNexis did NOT verify the accuracy of this erroneous account with the ORIGINAL CREDITOR, which would be the US BANKRUPTCY COURT, but instead received it from a third party wholesaler of public records, who by the way, retrieved it from the XXXX system, which is a public records reporting system which legally in court cases has been shown to be notorious for reporting wrong information. I demand this erroneous bankruptcy be removed from my LexisNexis credit report IMMEDIATELY or else litigation for violation of my FCRA rights will be swiftly forthcoming!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian refuses to investigate my dispute for erroneous personal and account information on my credit file. They will not provide me with the method of verification per FCRA Section 611 ( a ) ( 7 ). I just received 3 letters, the first that came back " verified, '' which is not sufficient and the other two letters were letters stating that they will not investigate my claims, even though they did n't show me how they investigated in the first place.

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