BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: CA
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: Billing dispute for services

Complaint:
XX/XX/2022 I sent in my police report and my FTC affidavit to the XXXX credit bureaus. I called last month and spoke to XXXX, XXXX, and Equifax XXXX department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with XXXX XXXX  deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: PNC Bank N.A.
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 completed a loan modification a few years ago and i still paid the minimum payment on my account. The company reported that i was late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.

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 2022-01-12
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:
Reporting false and inaccurate information on my consumer credit report. In violation of Fair Credit Reporting Act.

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 2018-01-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step.

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly.

Office Of The Attorney Gen # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account.

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove.

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account.

I know that mistakes happen but it should not happen at my credit 's expense.

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 2019-02-12
Company: CREDICO. INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection for XXXX cents to a collection company and they are still billing me for XXXX. Double what they said i owed and paid in full. I refuse to pay another dime to them. Please help me to get them to stop attempting to contact me anymore to collect a debt that I've already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CAINE & WEINER COMPANY, INC.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
caine and weiner {$90.00} they say i owe them for car insurance when i didnt even have a car at the time and nver had insurance for over 2 yrs  because i lost my licence. i dont know who was claiming to use my social security number but this is errant and not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$330.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$750.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$9400.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for la

wful accurac y.XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2300.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX Balance Owed : {$1700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: FL
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 contacted XXXX, XXXX  and Equifax credit bureau in regards to a repossession account with XXXX XXXX. I cited XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2020-07-18
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: Information belongs to someone else

Complaint:
I am filing this report because I applied for a XXXX credit card today XX/XX/2020 and I was not approved because I guess there are two accounts in negative standing on my credit. The accounts are from XXXX XXXX & XXXX XXXX. Those accounts are not mine ; I never opened them and I did not allow anyone to open them in my name. I do not have any written/verbal contract with either of those companies nor did I gain anything such as money, goods, services or any other benefit from these accounts and I never contributed to any payments made towards those accounts. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My IBR Income Re-certification was denied without any notice. I sent the paperwork I thought they needed including linking to the IRS. Because I didn't know that my re-certification had been denied I was bumped off the IBR payment plan. Not only did this cause my next automatic payment to increase over 100x, it also capitalized over {$60000.00} is interest onto my principal balance. Loan servicers should be required to me much more transparent and proactive when it comes to such a consequential event. I can't imagine any other venue in live where a charge of {$60000.00} would happen without significant notice in multiple forms. 

Side note : linking to the IRS should be easy and automatic, when I tried it it refused to link to the most recent year and linked to the previous year instead which created some of the confusion in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and Transunion are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the  attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.

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 2020-04-26
Company: Experian Information Solutions Inc.
State: FL
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:
Source EXPERIAN Alert Date XX/XX/2020 Inquiry Date XX/XX/2020 NameXXXX XXXX XXXX XXXX   XXXX Phone ( XXXX ) XXXX Business Type XXXX Street AddressXXXX XXXX XXXX XXXX XXXX XXXX City XXXX State GA Zip XXXX WHY would SBA pull my credit report? I did not apply for a loan. And, good luck getting through to them now.

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 2019-07-23
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Signed up XX/XX/2019 for MoneyLion after seeing Pave the Wave bonus ( XXXX XXXX XXXX  ). 

Opted into promotion and set up direct deposit during XXXX. Received direct deposits XX/XX/2019 for {$3500.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}, XX/XX/2019 for {$3100.00}. This meets the offer 's qualifying Terms and Conditions " To be eligible to receive matching contributions, participants must be in good standing with MoneyLion and must maintain direct deposits of at least {$500.00} per deposit ( after tax withholding ) ( Minimum Deposit ) into their MoneyLion Checking Accounts at all times after opt-in and through the date of the matching contributions, as described below. '' Timing of Matching Contributions states they are to be awarded 90 days after initial deposit ( XX/XX/2019 ). Called customer service on XX/XX/2019 and again on XX/XX/2019. Latest call informed me that because there were intermediate deposits of small amounts ( {$0.00} and {$0.00} on XX/XX/2019, {$0.00} and {$0.00} on XX/XX/2019 ) I was disqualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the time period of XXXX, at age XXXX, I took out an educational loan from Sallie Mae, which is now Navient. The original amount borrowed was {$16000.00}. I used this money for various educational purposes on my way to earning an XXXX XXXX degree from XXXX XXXX XXXX, a XXXX XXXX degree from the XXXX XXXX XXXX  at XXXX, as well as a XXXX XXXX degree from the XXXX XXXX XXXX at XXXX. With my continuing education, my financial aid added up quickly. While I was attending school and in repayment status, Navient made it very difficult to work out a solution to my repayment needs. Early in the process, the customer service department at Navient continued to have me file deferments and forbearances, only to sink myself deeper in debt with no real relief in sight. After years of payments, they allowed me to create a situation where the monthly payments no longer covered the interest and service fees that were being added on monthly. As I graduated college and began working as a teacher, Navient never once guided me toward teacher loan forgiveness plans or public servant aid that was available. They never suggested any plan to where I was on the road to consecutive payment forgiveness or a process to reduce my overall financial aid debt. Due to their negligence and misleading endeavors, the original loan amount of {$16000.00} had ballooned out of control to nearly {$36000.00}. In XX/XX/2016, due to the death of my parents, I inherited a fairly large sum of money. A major goal was to get my finances in order so that I could be debt free. When I called to try to settle my account, no one at Navient would allow me to do so. After getting forwarded to different managers and specialists, over a number of frustrating weeks, I was sent to a group that even told me settling for {$25000.00} would not get my debt resolved. Again, it was never suggested or advised by anyone that I should enter a monthly plan so that the debts could be forgiven due to consecutive years of payments or because of my employment as an educator. Finally, they called me back with a settlement offer of {$31000.00} ( roughly 85 % of my overall debt ). They told me that this had to be paid in one lump sum and was non-negotiable. The way the interest was accumulating monthly, Navient representatives made this seem like it was the best course of action. So, reluctantly, I paid them {$31000.00} because they advised that this was the only way to keep interest from accruing. XXXX I reiterate, there was no mentioning of the various plans of assistance available to me. I am hoping to have this amount forgiven toward the remainder of my loans or paid back to me by Navient for their misguided & corrupt practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Paypal Holdings, Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted PayPal about my issue. They denied my claim within two hours of the claim being submitted. My account is now in a negative balance and I have bills to pay. They wont refund me for the unauthorized transactions and say that the transactions seem like usual activity. I have two accounts opened with PayPal and I also was part of a data leak a couple of months back where my information and accounts got leaked. Today Im complaining to PayPal about unauthorized transactions. Which my claim was denied almost instantly. My accounts were used simultaneously to send and withdrawal money. Let me add that my wallet and social security was stolen a few months back. Ive never had issues with PayPal before and Ive been a customer for over 10 years. What is disappointing is that PayPal constantly seems to side with scammers and I am not the only individual or consumer a part of PayPal that has had this issue. Ive read thousands of messages where PayPal sided with a scammer or fraudulent individual and made the actual account holder the issue. 

There are a few transactions that I complain about. They are as follows ; {$1800.00} {$1200.00} {$760.00} {$500.00} {$1500.00} {$1500.00} {$1000.00} {$990.00} Tbh I dont even seem to understand why I was instantly denied. Every time I try to get help I get the same answer every other individual gets. This is usual activity. Please help me, because I have bills to pay. XXXX cant be held responsible for something that I had no doing in. 

The emails associated with the accounts are : XXXX XXXX These two accounts were used together to send and withdrawal money from my accounts. 

Ive attached much of what info I can find. 

I cant provide a card number since multiple cards were added and deleted from my XXXX credit card to PayPal. XXXX credit card features allow a new card number to be generated multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
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 status incorrect

Complaint:
I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days 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