BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently acquired my credit report and discovered that I have become a victim of identity theft. As I am currently in the midst of purchasing a home for my family, I am deeply dismayed by this unfortunate situation. It has had a detrimental impact on me. I kindly request the swift removal of these deceitful accounts 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 2023-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  has confirmed medical account that is not mine.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-07-29
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX Balance : {$6.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00}

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 explanation
Consumer complaint received 2020-01-18
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX called saying that I have {$2000.00} owed to " Mastercard '' from XX/XX/XXXX. I told them that I don't have a Mastercard, that I never have had a {$2000.00} credit limit and that if it was in fact from XX/XX/XXXX, then the statute of limitations expired in my state ( Michigan ) after six years. They told me it doesn't work that way and that they would sue. They have since sent letters to my mother 's house when I have never lived there nor do I live anywhere near her.

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 2022-06-24
Company: EQUIFAX, INC.
State: NY
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 reached out to XXXX  by online and mail. They have an account from XXXX XXXX XXXX  that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I had opened a PayPal account and was using it pretty often well I ended up messing up and violated the user terms and agreements so my account was permanently limited on XX/XX/2020 when I still have {$900.00} in that account and I was told that I can no longer use PayPal and any money I have in the account will be held for 180 days at which time I was supposed to get an email with instructions on how to withdrawal my money out it has been 11 months now almost a year and I have still not received any information on how or when I will be able to transfer my money out I've tried countless times to contact PayPal to receive any information or answers and haven't gotten any response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2022-06-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX. XXXX - XX/XX/2022, I log-on Experian to check my credit report and score. What I notice, I had no score and couldn't understand why because I only have one secured credit card from XXXX to try and rebuild my credit. I've made several calls concerning this matter, not one Experian Representative could or just would not help me fix this problem. Employing the use of Experian boost to possibly help me generate and retrieve my credit score, it generated a credit score, but it was not the credit score prior to me viewing an invisible credit score.XX/XX/XXXXXX/XX/2022, The XXXX  XXXX XXXX XXXX telephoned me stating that XXXX the company used to process credit inquiries for XXXX  XXXX stated that there was no credit information on my credit file to pull not even a credit score as well. It was then I explained to the lender this problem I tried to get it corrected through Experian XX/XX/XXXX, no success to correct the issue. I also mentioned to the Lender that XXXX experienced this same issue XX/XX/2022. 

3. XX/XX/2022, each time I log into my Experian account this statement appears in red in the center of the page " Sorry, we can't show you today 's report. This might mean that your lenders have different personal information for you than we do. Until this issue is resolved, you want be able to see your report ''. I've read this statement several times to many different representatives it just went on deaf ears.

4. Please I need help to fix the serious problem with my credit file and get it back to a normal without Lenders having issues trying to retrieve an inquiry on my credit score or report. Please Help Me.

5. I decided to log online to Consumer Financial Protection Bureau to complete a through compliant after viewing the vocabulary typed by the representative from Consumer Financial Protection Bureau over the telephone. The vocabulary was not correctly worded as I stated, that's why I completed this online complaint XX/XX/2022.

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 2022-04-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance to The Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. XXXX  account no. XXXX, is being reported by Equifax XXXX ( no other credit bureau is reporting this account ) however there is no name for the collection agency nor any contact information for me to have this debt verified!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a victim of idenity theft I'am including attachments which are FTC report, XXXX data breach, and the letters I sent the bureaus.

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 2023-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporter Act, XXXX account number XXXX, has violated my rights. 15USC 1681 Section 602 8 States I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. I also state a consumer reporting agency can not furnish my account without my written instructions. I know I have the right to privacy the following other accounts also have violated my rights. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2022-07-27
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Although Fay Servicing is under the following consent order they have never offered any type of loan mitigation per this consent order as relating to the mortgage they allege I am responsible for : XXXX XXXX XXXX XXXXr : XXXX CFPB XXXX In addition XXXX XXXX Fay 's predecessor ) was under another consent order when they filed the foreclosure complaint against me in XXXX ( XXXX XXXX XXXX XXXX XXXX - Case # XXXX XXXX XXXX ) immediately after I requested a payoff amount again with no mitigation offered either prior to or post filing. 

XXXX also fabricated note documents and forged signatures thereon to enable unlawful collection proof for their benefit in these proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: LTD Financial Services, L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There were not options for me to pick the correct complaint. 
I had a debt charged off XX/XX/2019 for XXXX XXXX, The XXXX XXXX XXXX It was reporting as such on my credit report and I have been slowly working with creditors to get any charge offs settled. The creditor wrote the debt off in 2019 and apparently it went to LTD Aquisitions, then in turn sent it to XXXX XXXX XXXX. 
This last company decided to re-age the account putting it on as a NEW collection account thereby dropping my score XXXX points! A collection is before a charge off how can these companies ruin peoples credit and make a buck off a charged off debt and report it as if you went delinquent on a new account recently? There is so much compliance and regulation in every other industry and why are these creditors not regulated, constantly hurting consumers, selling debts over and over and even when they paid NEVER updating the credit? Here I am trying to fix my credit and they can just do what they want and ruin it again. I have disputed this over and over and nothing has changed. I want them to put it back to a charge off and I will settle with them but if I do that now it looks like I just paid a new collection again hurting my credit more. Please advised on any recourse. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: The Outsource Group, Inc
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello! This debt was already taken care of due to XXXX. It was also not under the name that Medicredit has claimed. XXXX just confused as to whats happening. Ive tried to call back and dispute the debt, but can not get through or leave a voicemail. I would love some help here. Unsure of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for and was approved for the new IDR SAVE program via studentloans.gov. My new payment amount was calculated to be {$480.00}. See attached status screenshot from studentloans.gov.

However, my loan servicer, Edfinancial, is not recognizing the new payment amount. According to my online account, I must pay {$780.00} by XX/XX/2023. This payment is too high. See attached screenshot from Edfinancial showing the incorrect payment amount.

After my IDR was approved by studentloans.gov, Edfinancial sent me a request via U.S. mail in the beginning of XXXX to provide them with income information. I immediately uploaded my proof of income to their website when I received the request. I do not understand why they would send this request via XXXX mail when they have my email address and I have been receiving other emails from them. I also don't know why they would need proof of income again when this was part of my IDR application. In any case, I have received no further communications from Edfinancial since uploading proof of income and the correct payment amount is not being recognized.

I have attempted to email Edfinancial about this issue and have not received a response. I have tried to call Edfinancial but the wait time is always more than one hour and I have not received a call back from Edfinancial.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-21
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My federal student loans were transferred to Mohela from XXXX. I uploaded a PSLF form on XX/XX/XXXX to update my employment and payment tracker. After months of the status being stuck in " processing '' the form was marked as " Duplicate form '' and cancelled. 
The PSLF form was not a duplicate, and those payment periods still incorrectly say employment not certified. 
I wrote to Mohela on XX/XX/XXXX, and received a response indicating it was an error, the form would be processed again, and the processing time would be another 90 days. 
Once again, the PSLF form was marked as " processing '' ; after the 90 days were almost elapsed, the form was marked as cancelled, again, with no explanation.

I received no communication about this, and only noticed by logging into my account and checking the status. I wrote to them again asking for an explanation of the repeat mistake. I suspect forms are just being cancelled and then resubmitted, to restart the 90-day processing time for the agency.

Correspondence and screenshot attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was contacted by XXXX  at XXXX this morning that there was an account added to my equifax credit file. The alert had no specific information as to what was added so I selected the option that " it was not me '' I called XXXX to find out what was added to my credit file and they did not have any information to provide to me either. I was told to contact equifax and i did but i got agents asking me to take a picture of my id to send to them ( I did not do ) and asking questions that i couldn't possibly answer because they wanted information from decades ago. they stated their system could not verify me ( they can't determine when they have the actual legitimate person on the line ). I went to try to view my credit report online to see what was added and again, their online system could not verify me with the basic information it was requesting ( SSN, DOB, current address, ETC ). I do not have access to my own information but they allow frauds to use my information to get goods and services and then i have to fight with them to find out what is going on. I Cant get a credit report or any information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Synovus Bank
State: CA
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:
My card was stolen and used to make XXXX fraudulent purchases totaling {$210.00} ( XXXX {$200.00} ; XXXX XXXX XXXX {$6.00} ; and XXXX XXXX XXXX  {$8.00} ). I had completely paid my account, so the only balance comes from these fraudukent charges. I contacted First Progress by phone and was told that " disputes was looking into it. '' I followed up with a letter and there has been no response now for about 30 days. In the meantime I have made {$90.00} in payments all toward these fraudulent charges to keep my account in good standing because First Progress will not process my dispute. Now they have charged me interest and informed me that I have a {$43.00} minimum payment due. Again, ALL of this is on fraudulent charges because I had completely paid off my account. They have also ignored my request for a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : Equifax showing 8 late payments XXXX showing 10 late payments XXXX shows no payment history Equifax shows a payment on XX/XX/XXXX XXXX shows no payment history for year XXXX Status Update errors that have not been corrected since XX/XX/XXXX : Equifax showing XX/XX/XXXX XXXX showing XX/XX/XXXX XXXX showing XX/XX/XXXX I have disputed the errors XX/XX/XXXX in which XXXX says its been resolved and equifax shows no information on my investigation, and XXXX shows nothing on my report about the company. 

I am familiar with 15 U.S.C. Sec. 1681 ) ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want this account deleted according to this law, it's not 100 percent right and correct.

Company response to consumer: Closed with explanation