BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A purchase was made through PayPal on XX/XX/2022. The seller never shipped the item and when i attempted to follow up, the web page is no longer available. I haev ent numerous emails but have gotten no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25
Company: OneMain Finance Corporation
State: NY
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:
There are two inquiries for OneMain for a loan. I didn't make these inquiries. When I called OneMain they provided a different phone for the inquiries and I requested that these inquiries be removed. I also stated this is a case of fraud please don't disburse any funds. I was assured that inquiries would be removed and said person would have had to come into the branch and provided ID. Please help me have 2 inquiries removed from my report. Dates XX/XX/XXXX and XX/XX/XXXX. Not that this has anything to do with this case. I provided my ssn to a XXXX ad for work which I believed to be a scam..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AES/PHEAA
State: MA
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:
I had signed up for paperless communication when my loans first came due back in XXXX. I went back to school, and when I left, my school e-mail, which I had on file with Fedloan Servicing go deactivated. When my loans came due again ( XXXX XXXX ), I was receiving communication through such e-mail, which was no longer working. So, I was never aware that they had come out of deferment and never received a letter in the mail when payments came due, even though they had my address on file. They reported all my accounts as delinquent to the credit bureaus. I take my obligations very seriously and always strive to keep a clean credit report. I never missed or was late on payments when my loan was first due ( from XXXX through XXXX XXXX ). Also, I continued making interest payments on my loans during times when my loans were in deferment, by setting up direct payment from my bank account. In addition, after I learned about this issue, I set up direct debit for my payments and made my first payment on XXXX XXXX, XXXX, to avoid any issues in the future. This is the only black mark I have on my report and has caused a huge decline on my credit standing, which is hurting me every day. I feel like their practice is very unfair and their communication very poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
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: Public record information inaccurate

Complaint:
I have asked Transunion to verify this judgment and they sent back a letter stating it was verified with the courts. I then asked the courts if they verified information and they sent me a letter stating that they in fact DO NOT verify information. I sent this letter to all three bureaus and it was removed by XXXX and XXXX. I have also sent this letter to XXXX XXXX  and XXXX  and they also said they do not verify any information. I sent another letter to Transunion and all they sent back was verified. I have asked them how did they verify the bankruptcy and they have failed to sent me proof.

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 2022-09-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX XXXX of my loans for {$43000.00} was transferred to Navient. 
XX/XX/XXXX my balance erroneously jumped to {$100000.00}. 
XX/XX/XXXX my loan balance was {$110000.00} XX/XX/XXXX {$55000.00} was subtracted from my account changed the balance owed to {$55000.00}. I was told this was to correct the error they made over 7 years ago. 

Navient had been accruing and charging me interest on money that I didn't owe. They erroneously added {$58000.00} to my loan and then 7 years later only removed {$55000.00}. When I discovered this issue I began asking the customer service reps about it when they call and they won't address it. They keep saying it's been fixed, move on. They did this to my other loan as well. Below are those details. 

XX/XX/XXXX my loan was {$33000.00} and the balance jumped to {$70000.00} ( + {$36000.00} ) XX/XX/XXXX loan balance was {$73000.00} XX/XX/XXXX {$36000.00} was subtracted from the loan and new balance was {$36000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: MI
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 a reply to XXXX XXXX XXXX XXXX 's ( XXXX ) response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that XXXX had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, XXXX signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. XXXX filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why XXXX believes the loan first became delinquent in XXXX 2012. 2 ) Why XXXX believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.

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 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XXXX XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AES/PHEAA
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 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX XXXX XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
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:
THIS IS A FRAUDULENT ACCOUNT. I WAS A VICTIM OF IDENTITY THEFT! I HAVE ENCLOSED MY FTC AND POLICE REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

THIS IS NOY MY CREDIT CARD ACCOUNT! XXXX XXXX JUST DELELETED TWO INQURIES OFF MY CREDIT REPORT FOR FRAUD. I HAVE MADE SEVERAL POLICE REPORTS WITH THIS MATTER AND MANY MORE. I HAVE NOT BEEN ANY INFORMATION AS PROOF OF THIS MATTER THAT IS IS ACCTUALLY ME. NO DRIVERS LICENSE NO CONTRACT WITH MY SIGNATURE ON IT NO COPY OF MY SSN CARD. I WOULD GREATLY APPRECIATE A RESOLVE IN THIS MATTER, AND THIS BE REMOVED FROM MY CREDIT REPORT. MY SOICAL SECURITY NUMBER WAS USED IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: REGIONS FINANCIAL CORPORATION
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:
I do not have nor have ever had a Regions Bank credit card nor bank account. This is an error.

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 2022-02-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX GXXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by Transunion. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
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:
The following phone numbers are listed on my chexsystems report. These phone numbers do not belong to me. They are a result of identity theft. 

The numbers I am disputing are : 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 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-08
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:
This will be my second attempt to file a complaint as my first on miraculously disappeared even in taking a screenshot of the ID number XXXX Sent request for dispute and all information pertaining to accounts in dispute on XX/XX/2022 and all delivered by XX/XX/2022. 

Transunion failed to honor my dispute and pretty much sent me a letter stating, doesn't look like you sent this but thanks for trying. I sent the required information as well as paying to have it sent certified mail, only to be ignored while the other XXXX accepted the matter ( s ). I didn't realize that strangers had copies of my drivers license and an insurance bill to send off to get someone else 's credit report fixed. To add insult to injury, they didnt even provide a way to get in contact with them to even reply. No phone, no email, no contact name at all. Only a file number with no directions as to what information was needed to proceed. 

XXXX provided no information to advise that this debt was mine. I asked for all information be sent to me and nothing but a verified letter with the exact same information copied and pasted from my report ; therefore, I must not have any type of contract with them stating that I owe this debt. How was this investigated with no additional information provided?? 

XXXX was the only Bureau to investigate and delete both accounts. So how is it that XXXX was not able to verify the accounts to be correct, yet XXXX did??? IF ALL bureaus are to report ACCURATE information, something is wrong and it all seems very suspicious. 
15 USC 1681 Section 602 A ( XXXX ) states that I have the right to privacy. 
15 USC 1681 604 A ( XXXX ) states a consumer reporting agency can not furnish an account without my written instructions which I did not give. 15 USC 1681 1681 section XXXX a ( i ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Name : XXXX XXXX XXXX XXXX XXXX {$210.00} Account Number : XXXX Please remove from my credit report Account Name : XXXX ( XXXX ) {$220.00} Account XXXX Please remove from my 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 non-monetary relief
Consumer complaint received 2017-06-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a previous complaint and I am not happy with the response ( attached ). First and foremost they are stating I was not discriminated against when clearly I was. I would like someone to listen to the call as stated in the previous complaint when I was denied the option to change my payment options so I will not miss my forbearance payment arrangement. However as we fast forward to today I am now out of the forbearance agreement due to missed payments ( interesting ). The original complaint had to deal with me calling to make a payment and in the end they did not believe it was me and refused to take my payment. I was already in a financial hardship and now they have caused me even more pain. I want the credit reporting stopped until this issue is resolved. In the letter I was told I can make a payment. Please note I am locked out of my online banking and my statements are sent electronically. My last payment amount was {$20.00} a month in the forbearance agreement my new payment is unknown. I tried calling in XXXX 2017 again to try to rectify the situation since I have not heard back from the first CFPB complaint. I was transferred to credit department or collections not sure exactly which one. Where I was told that my credit will be fixed and they would take a payment. When I was transferred the call was lost. I then called back was given the number to the department I was being transferred to and again the call was lost. When I called the number to the department I was being transferred to it was a fax line. I had to get back to work so I was unable to attempt a 4th try. I want my credit report fixed and to be compensated for the hours I spent working on this issue. I spent well over 4 hours to rectify this and still nothing. The best result give me a settlement offer of 40 % of the balance and we can call it a day and we will never see speak to each other again I can promise you that. And most important as I stated previously FIX MY CREDIT due to your error.

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