BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2015-08-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A lady from the debt collector phoned my father and gave him information, the phoned him a second time giving him the alleged case number on account that was closed in 2008. On that same day she phoned my mother and my ex mother in law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have a lot of credit account that are close and paid plus over 10 years on my credit report and never go away I needed to be removed from my credit reports 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 2015-05-19
Company: Performant Financial Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Caller called my place of work and stated they were calling from " Performance '' company and that my daughter gave my name for a reference yet they refused to explain anything except tell me they needed to talk to her. The woman also mentioned another family member and my daughter told me she never used either of us as a reference. The are giving false information ( company name ) and lying about her giving me and another family members information. I am not callow ed to receive personal calls at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked for proper valiadation from Portfolio Recovery stating that I owe a debt. They have not sent me the proper documents such as signed contract with my signature, just photo copies of statements that do not show i ever opened an account. The law clearly states that in order to validate a debt they are trying to collect they have to prove the account is mine and they have not proven that. I was a victim of fraud my ex took out accounts in my name im assuming and i had no knowledge of these debts. I have tried many times to receive proper validation and this company has yet to do so which is against the law. I am a XXXX XXXX  and this negative reporting is negatively affecting my credit and causing me a great deal of stress because i cant rent an apartment of my own because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I hope this complaint serves as a reference to improve the policies in place for citizens of a different country in the same condition as mine. 

I 'm a XXXX and arrived to the US two weeks ago. I 'm currently receiving financial aid from the Missouri government, to be more specific from the Family support division and I have tried to cash in unsusesfully the cheque I have received. I went to the closest XXXX store and a Bank of America branch for this purpose, and I was told that without a SSN or a US ID I could not cash in the cheque. I already applied for a work permit but it will take a few months for me to get it. Only after I get the work permit I 'll be able to apply for a SSN and that is going to take a bit longer. This is a challenging situation for someone who has been XXXX in the US and is in the process of getting the US documents. I 'm receiving the social aid cheque, but I ca n't do anything with it. There should be a special procedure for unusual cases like mine where an individual should be able to do this sort of transactions or open a check in account in a bank without having some challenging policies in 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 explanation
Consumer complaint received 2022-02-23
Company: FinCo Services Inc DBA Current
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 I applied for unemployment. I was suppose to receive my first direct deposit XXXX XXXX that consists of 6 payments at one time that total {$4200.00}. The next day Current mobile banking started sending me emails that said if I filed for unemployment to give them the account number in my app, which I did when I first filed for unemployment so I didn't think anything of it. I reached out to the bank SEVERAL times and they kept reassuring me that everything is ok. the moment I realized they were full of XXXX, I tried to get in touch with unemployment to change my bank account information but they were so busy due to COVID-19 that by the time they returned my call, I missing two more direct deposits XXXX XXXX {$710.00} and XXXX XXXX {$710.00}. So in total I am missing {$5700.00}. Current kept telling me to contact unemployment and get the account number it went it, but of course they are not allowed to give me that information. So I got a attorney and after months he was able to get me the account the number but the account is now closed and is still giving me and my attorney the runaround. I feel like current mobile banking scammed me and I have proof. PLEASE HELP!! THANK YOU IN ADVANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I attempted to update my billing address with the XXXX credit card on file in my PayPal " wallet '' earlier today ( card ending in -XXXX ). Even though I updated my mailing address with the bank that issued the credit card, the PayPal website keeps giving me an error message, " Sorry, we ca n't link your card. Please make sure you have the right billing address. '' I called PayPal customer support to rectify this problem, spoke to XXXX people, first XXXX, then XXXX, and XXXX these unfortunate people just refused to fix the problem. If they do n't update my correct address on my credit card on file, it will doubtless cause problems when I go to purchase something through PayPal with that card. XXXX 's employee number is XXXX ; she is a supervisor. XXXX refused to give me his employee number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  XXXX is reporting inaccurate information to consumer reporting agencies that is causing harm to my credit and a violation of my privacy. I am also not being allowed to use my open end credit card. Pursuant to 15 USC 1681, report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. In addition, Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has caused me financial harm and violating my federally protected consumer rights.

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 2022-02-23
Company: LEXISNEXIS
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:
My name XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has failed to provide proper notice of alleged debt prior to reporting the information to the credit bureaus. The company has intentionally changed the opening and delinquency dates of the alleged debt to cause maximum damage to my credit report. The company has also willfully inflated the amount due of the alleged debt. The company is reporting a debt that may ha ve been the result of unauthorized usage.     I am the CEO of an investment conglomerate and am in the process of an important merger. I need my credit report clear of inaccurate information in order to qualify for appropriate loans. The inaccuracies presented by the company are hindering my ability to earn a living. For every week the inaccurate information appears on my report costs me $  XXXX .     It is for these reasons I need to receive documentation to validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we were put into a Pick a Payment mortgage by Wachovia at the time with a 7.45 % interest rate. Back in XXXX we tried several times to modify our mortgage with Wells Fargo and were denied. We made too much money was XXXX reason and then we were also told to pay the lowest amount to make our payment deferring principal and interest. We were also advised to fall delinquent so they would help us. We missed XXXX payments, they did not work with us and they started foreclosure. A family of XXXX we wanted and needed to keep our house. So we filed a chapter XXXX in XXXX to keep our home and try XXXX more attempt at a loan modification. The modification was still denied. Here we are in XXXX XXXX with XXXX payments left through our Chapter XXXX and we are still only paying the lowest amount which does increase yearly and is still deferring interest. Like many people that were in this type of loan we now owe more than what the original loan was for. We are also afraid that after we get out of the Chapter XXXX that we are not going to be any better off because of everything that is being deferred. These Pick a Payment mortgages are toxic!!!!!!!!! Through our attempted modifications we never wanted to reduce our loan, we just wanted to be in a traditional fixed mortgage with the lowest possible interest rate. And let me back up before the modification attempts, we also tried to refinance but again the housing market was down and the equity was not in the house so that to did not work. Wells Fargo needs to get of all of these Pick a Payment loans. Not just cherry pick some who get the right person, attorney, or luck. Please let me know if there is anything you can do to help assist us. We are a concerned homeowner, working hard and living pay check to pay check because of our mortgage!!

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 2017-03-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2013, and finished paying them off at the end of last year. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I need to report TRANSUNION for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-23
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:
I have a loan with the accounts below. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting the EQUIFAX with no successful resolution. There was definitely an error on their part. I've disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & I'd like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611,616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have contacted the office of The President for assistance with my dispute with this company. They have failed to address my issue by verifying with me how they came up with the dollar amount of they say I owe them after the final payment from the insurance company due to a total loss car accident. They are saying that I owe them {$1100.00} and have asked to settle this account with me for half of the amount. I asked them to provide me with the documentation that states how they came up with the additional money they claim the insurance company did not pay. According to XXXX he is saying that the dollar amount is from a final payoff and the initial documentation they gave me said it was from the cost of the sale of the car to auction. The dollar amounts are the exact dollar amount. It is clear that they are confused. I asked him to show me mathematical equation used to determine that dollar amount and he was n't able to provide that dollar amount. Collectively we tried to figure out the dollar amount using a simple interest formula but the amounts do not add up. After several failed attempts of trying to prove to me the dollar amount, XXXX just stopped taking my calls and stopped returning my voicemails. In response to my dispute, they are continuously verifying my dispute with all XXXX of the bureaus without legally verifying the said dollar amount. I have tried to resolve this issue with them for many months now and now they have given up and instead of trying to help me as a consumer they are avoiding me, illegally verifying information on my credit report, and not addressing or responding to any of my inquiries. I have mailed them certified mailing that they have failed to respond to and have yet removed this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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 am totally dumbfound of this. I have no idea what is going on over there at the CFPB. I have submitted this complaint & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. This is so bothering on my part! The following accounts listed below were opened due to identity theft. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b... Thanks 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 explanation