BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2021-03-28
Company: CHECKredi of Kentucky, LLC
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CheckRedi, the company that the complaint is written about has taken to deceptive practices, They fail to notify in writing about any debt, and commence with the harassing phone calls. When told to stop the phone calls, the phone calls actually begin to increase through the day. They claim to send their notices via email, which is not an actual letter. However, I have never received a letter from them, and have even checked my junk folder in my email. Their practices are deceptive, their agents make threats, and they run multiple charges against your bank account and add predatory charges to each charge. a XXXX dollar drink that was charged incorrectly by them resulted in XXXX dollars in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.

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 2022-09-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE! 

XXXX XXXX XXXX {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this XXXX XXXX XXXX and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT! 

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The Payment status is incorrect! PLEASE UPDATE TO PAID ON TIME!! 

XXXX XXXX as of XX/XX/22 is reporting inaccurate information. This account was NOT A CHARGE OFF!! THIS WAS PAID IN FULL! REMOVE THE NEGATIVE REMARKS AND UPDATE!! 

XXXX as of XX/XX/22 this account was paid in full. PLEASE REMOVE FROM CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The amount past due is incorrect and the remark! This was NOT A CHARGE OFF! PLEASE DELETE FROM REPORT! XXXX as of XX/XX/22 is reporting inaccurate information! The account status, payment status and amount past due is INCORRECT! PLEASE DELETE FROM REPORT! 

XXXX XXXX XXXX  as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: CA
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:
Navient claims that I have loans owed to them through University XXXX XXXX XXXX in 2007, which is false and I have all the documents that support that I never used FA for University XXXX XXXX XXXX it was through my work, and I attended that school way after that year. When I sent a letter to them explaining the incorrect information. They still sent another letter saying that this is for University XXXX XXXX XXXX. After numerous attempts to resolve this false claim, they sent notification that it was University XXXX XXXX. This lender has no idea what they are doing and are not even sure which school I went to. They have my balance at over {$32000.00} now, but I am not even sure this is true. When I called the first time, the representative had no idea what school and she was unable to answer me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor claims I renewed a lease with them and owe over {$20000.00} for the lease term, but they have failed to produce such documents showing I signed for a lease renewal. Moreover, I have a company letterhead stating they transferred me on XX/XX/2021 ( months before my lease with them ended and well before the lease renewal date ) to Georgia for work and have been there since in corporate housing paid for by the company. 

The question is, how could I have signed for a lease if I wasn't present in the state of Colorado to sign for it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Reporting company used your report improperly

Complaint:
XXXX is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Santander Consumer USA Holdings 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: Reporting company used your report improperly

Complaint:
XXXX is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below santander consumeXXXX usa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Transunion is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below XXXX XXXX XXXX XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30
Company: Consumer Portfolio Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I obtained a new number about 6 months ago ... this company leaves constant voicemails everyday ... looking for a XXXX XXXX ... I have no idea who that is and I have explained that to them ... they hang up in my face ... they continue to call.. they argue with me about it not being the person they are looking for and at this point Im tired and ready to obtain a lawyer..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past several years my husband and I have been paying our mortgage through a product called XXXX XXXX. This was a product offered by US Bank. This was introduced to us by our mortgage company US Bank and the mortgage is deducted from our checking account every 2 weeks. The mortgage had been paid on time by XXXX XXXX  until we received a notice  XX/XX/XXXX that our XX/XX/XXXX mortgage had not been paid. I called the Mortgage company USBank to confirm that XXXX XXXX had not paid the mortgage since deductions were taken out of our checking account through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$3500.00}. 
I then called XXXX XXXX and got a company called XXXX XXXX. I spoke to a gentleman named XXXX, ID number XXXX and he told me he could not explain why the payments were not made. His plan was to escalate this concern and that the payment would be sent within 72 hours to US BANK. There was also a late fee we incurred for {$29.00} and he assured me that the company would cover this. I called again in 48 hours and no payment or indication that the payment would be sent. I called USBank again on XX/XX/XXXX ( 5 days later ) and still US BANK had not received payment. Whenever I tried to call the XXXX XXXX program the recording would say that they are now acquired by XXXX XXXX. I then was connected to XXXX XXXX for the 3rd time in 5 days and the individual I spoke with XXXX, ID number XXXX instructed me that it was a glitch in the back office. I was on hold for 27 minutes. When I asked if I could just be refunded my money that had been taken out of our checking account he hung up on me. Prior to asking for my refund he instructed me that the mortgage company would have my money by XX/XX/XXXX. Growing concerned on the XXXX, I went to XXXX XXXX  and requested all deductions from our account be held. I put in claims for the previous XXXX deductions since I never authorized this new company to withdraw the monies. I met with XXXX at XXXX XXXX. I instructed her that an additional withdrawel should be attempted on Friday, XX/XX/XXXX and I did not want this to be deducted. She assured me that it would not be able to be deducted from our account. On Sunday, XX/XX/XXXX, I reviewed my checking account transactions, XXXX XXXX had deducted an additional {$970.00} from our account. When I called XXXX, XXXX the telephone specialist apologized for the inconvenience and recommended we place a complete ACH hold on the account. I did do this and will be closing the account tomorrow am. I am truly concerned about our money and the deceit of XXXX XXXX and its equity acceleration program. Can you help me get my money back which sums to {$4500.00}. I also want others to be aware of this company 's criminal activity

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 2019-12-02
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:
XXXX XXXX XXXX  XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.

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 2017-06-23
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My husband and I have had an XXXX XXXX XXXX XXXX for 9 years and have never had an experience like this. We are 2 hard working honest people and not use to dealing with criminals. Some bad people are using stolen credit cards and purchasing products from our company, and had the products shipped to an address in XXXX XXXX, FL that turns out to be a freight forwarding company. The credit cards used are stolen and the owners are not aware of the use till its to late. Orders for our merchandise are processed by Pay Pal. We collect the name, address, phone number, credit card number, CVV number for each transaction and the information is processed by the card holders bank and approved back to PayPal. They approved the purchases in question ( approximately {$6000.00} ) and Pay Pal sends us an OK to ship the products. We then send order information to our suppliers who ship the products to the purchaser. After a few weeks, the REAL Owner of the credit card files a complaint with Pay Pal saying they did not order the product. WHEN THIS IS DISCOVERED A CHARGE-BACK TO US IS INITIATED BY PAY PAL AND THE MONEY IS TAKEN FROM OUR ACCOUNT. The bottom line, is that the Bad People got the products and we had to pay the bill to our suppliers. The products sent to the freight forward company are forwarded on to another address, most likely off shore where the Bad People are picking up the products. The card holder bank that approved the transaction is holding us responsible for the full amount, even though they approved the card with a fake name on the card, different address than the owner of the card. They should have responsibility in this as well, they approved the purchase. We filed a complaint with the FBI and the XXXX County Sheriff ( File # XXXX ) two weeks ago. Got a return call from them saying that the freight forwarding company is a legitimate company and because of that they ca n't ( or wo n't ) do any more. They recommend if we get any more we email the freight forward company and give them the name and they will close that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: SYNCHRONY FINANCIAL
State: MD
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 have reached out to Synchrony Bank/PayPal Credit several times about the {$4500.00} of unauthorized charges and removal of the delinquent payments showing on my credit report due to identity theft. My account has been up to date without any delinquent payments until my identity was stolen in late XX/XX/XXXX. After not getting any satisfaction via telephone, I sent them a dispute letter on XX/XX/XXXX. On XX/XX/XXXX, they responded by attaching monthly billing statements for XXXX and XXXX onlynot showing the unauthorized charges in question. While disputing the unauthorized charges, Synchrony Bank/PayPal Credit continued to charge late fees and assess interest on the disputed balance. 

On XX/XX/XXXX, I sent a certified return receipt response letter asking for verification of charges. This letter was delivered and signed for on XX/XX/XXXX. After no response. I filed an Identity Theft Report with the Federal Trade Commission. On XX/XX/XXXX, I sent a certified return receipt letter and FTC Reportthis letter was delivered and signed for on XX/XX/XXXX. To date, I have not received any information about my dispute. Synchrony Bank/PayPal Credit has mishandled my dispute about identity theft by not acknowledging my complaint and did not provide me with an explanation for rejecting my complaint. Synchrony Bank/PayPal Credit has engaged in unfair acts or practices in violation of the CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).

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 2022-09-06
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A third party bought a bill and the amount of the bill is not correct, Bill was paid off by insurance company and it was never supposed to be on my credit.I never gave them a signature, so I didn't agree to their contract.

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 2017-06-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX 2017 i have see it on my credit report, prestige financial was report me as repossession, even though i was sold to the XXXX XXXX, if they wasnt take the deal, XXXX XXXX would return the car for me, but XXXX XXXX has never contact me about the car need to return, and prestige was just deal with them without my permission, or place me on repossession. which is unacceptable. if the XXXX XXXX call to come and get the car back i would went to pick up the car with them, without XXXX XXXX call i cant do anything since i have sold the car to them. i want them to remove the repo off my credit since it 's not my fault. they both deal with each other without letting me know that they are processing to repo. sold the car but repossession on the credit report without knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Information is missing that should be on the report

Complaint:
I have called and tried to resolve the issue of missing credit information over 2 days since the erroneous report was tendered to XXXX, causing them to deny credit. 

The telephone numbers online, sent me to an overseas site that hung up on me three times, while attempting to transfer me. I finally reached a party in the US that said missing information was my issue and I had to call each credit card company to ask them to report to Experian. 

I pulled the Credit reports from XXXX  and XXXX  and all data is contained in these reports. 

The Experian representative said that I had to buy their monthly services and apply for a credit card from them to process my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I refinanced my home with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX since then the loan was transferred to XXXX XXXXXXXX XXXX until XXXX of XXXX which it was then transferred to Select Portfolio Servicing, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. In XXXX of XXXX I received documents from SPS which referenced a deferred Principal amount of {$16000.00}. I inquired twice about this information only to receive a document that didn't reference the issue at all. I have never been informed of any " deferred principal '' or of any documents that I have signed. I am currently in the process of Filing a Bankruptcy Chapter XXXX to protect my home as it is my primary residence and this " deferred principal '' is causing additionally financial hardships. I believe this issue to fall under the umbrella of predatory lending practices and am requesting that it be investigated. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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:
on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX  i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint

Company response to consumer: Closed with explanation