BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX  for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX XXXX  to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: Convergent Resources, Inc.
State: IL
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 know how this individual obtained my personal information Accounts : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Convergent outsourcing Account number XXXX XXXX XXXX XXXX XXXX   Account number XXXX XXXX XXXX, XXXX  ACCOUNT NUMBER XXXX XXXX  XXXX  Account number XXXX Inquiries : XXXX XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2017-06-06
Company: Credit Management Systems
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with th e National Credit Reporting Agencies.   While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Since XX/XX/XXXX-XX/XX/XXXX I've sent 4 separate letters to each credit bureau XX/XX/XXXX, Transunion, and XX/XX/XXXX asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.

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 2022-04-26
Company: Kansas Counselors, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2022 at XXXX Kansas Counselors XXXX called my workplace and left voicemails inquiring about my name. I have never once listed this number on anything medical or financial related, so not sure how it was obtained. This is not the first time they have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: BARCLAYS BANK DELAWARE
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a hotel room at  XXXX   XXXX  for  XXXX / XXXX / 2017 . I canceled the room and got cancellation letters with a cancellation number. I was charged {$150.00}. I am still being charged after the cancellation. My credit card compan y, Wyndham Rewards Visa, opened a dispute case and closed it, stating that I stayed at the hotel. They ar e denying to take the charge off of my account. Their statement is n't true and I have provided them the prove that their statement is n't true.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: NJ
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 filing this complaint again to request the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} - This account is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct or remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
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: Account status incorrect

Complaint:
The account below is being reported wrong. Account showing closed with a balance. I have received a XXXX for this account so balance should be XXXX. Not sure why bank continues to report it with Balance. 

The account is not in collection of should be listed as charge off. 


Auto Account : XXXX XXXX XXXX {$31000.00} Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need from Wells Fargo to give me a Customer account Activity statement.

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 2019-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, On Thursday, XX/XX/XXXX, Experian responded, but it is not satisfactory. Experian must MANUALLY investigate my credit - worthiness for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to accurately record my FICO score. I monitor my credit regularly. My FICO score has not moved and remains dormant since XX/XX/XXXX/XX/XX/XXXXbecause of their product failure. I joined the Experian product brand XXXX   to digitally access my utility bill payments to XXXX XXXXy credit score. Experian 's product has failed. Over the past several months, I contacted Experian several times, but I am unable to reach a representative to no avail.

Experian is falsely advertising a product that does not work and failed. I want my credit score updated for the past several months mentioned and to terminate from XXXX  without losing my FICO score accumulated to date. Exactly a year ago, I logged a complaint against Experian because they removed over 20 FICO points from my credit report and I still do not understand why. 

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 2017-06-06
Company: Navient Solutions, LLC.
State: MD
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:
Navient pr eviously allowed borrowers to apply over-payments directly to specific loans. Their new website requires me to email them each month with specific directions on how to apply the over-payment. If the company was sincerely interested in helping students repay loans in the most fiscally responsible manner, they would not make the correct process so cumbersome. I have contacted them multiple times over the last few years about this issue. Their most recent response - " Unfortunately, we are unable to predetermine how future payments will be applied to an account. If you want extra amounts from your payments applied to a specific loan, you will need to send an email request after each payment has posted to your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX IS REPORTING DEROGATORY ON MY CREDIT REPORT SHOWING A BALANCE AND PAYMENT HISTORY. THIS ACCOUNT SHOULD BE REMOVED DUE TO THE FACT THAT THIS ACCOUNT WAS DISMISSED IN COURT XX/XX/XXXX. THEY ARE IN VIOLATION AND NEEDS TO BE REMOVED. I'VE CONTACTED THE BUREAU REGARDING THIS. IM TIRED OF BEING TREATED THIS WAY. 

XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX AND HAS REPORTED INACCURATE INFORMATION. DATE OF LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED, REPORTING THE ACCOUNT AFTER CLOSED. THE ACCOUNT WAS CHARGED OFF IN XXXX AND IT CONTINUED TO REPORT XXXX AND XXXX. THIS IS A VIOLATION PLEASE REMOVE! 
RECEIVED AN UPDATE ON XX/XX/XXXX SAYING THEY UPDATED INFORMATION BUT NOTHING HAS CHANGED

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 2021-11-14
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: Was not notified of investigation status or results

Complaint:
I haven't gotten one response from the bureau 's in the mail. I have been disputed for months now. This is out of control. I don't know how the credit bureau 's can act in this manner. So disrespectful they way they operate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: WA
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:
This letter is formal complaint that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Experian Information Solutions Inc.
State: GA
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 DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.

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 2019-12-09
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 belongs to someone else

Complaint:
I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
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:
My issue is with Paypal being complicit in allowing scammers to take money from a buyer and offering no real forms of protection. 

I tried to purchase concert tickets to a sold out show through a normal human being, not a vendor, not a business. Just a guy I met. The person suggested I use paypal to complete the transaction and that he would electronically send me the tickets ( XX/XX/19 @ XXXX ). 

I sent him {$200.00}, tickets never come. The default paypal option for all transactions is friends/family. Which seems like a logical option considering you are not sending $ to an actual business. What paypal actually means when you use this option is that the buyer not relinquishes any protection paypal once considered offering them. 

I then call paypal to see what I can do to stop the scam from taking place, and they begin to interrogate me and accuse me of trying to beat the system by not using their other payment option ( I paid paypal a service fee regardless, and they get their cut as always, so this should really be a moot point ). I then ask the agent after they basically tell me they wont do anything for me, to at least block this person 's account so they can not continue to scam people and they could honestly of cared less. Its starting to look as if paypal is aiding these scams in growing in scale and efficiency and consumers like myself that don't have complete knowledge of exactly how these systems work get conned. 

How can your governmental agency sit back and allow this type of complacency in law when one of the biggest world banks now ( paypal ) is actively allowing this type of fraud daily, and then blaming their consumers for being ignorant or trying to cheat the system? As if the extra {$3.00} I would have paid to " ACTUALLY '' be protected was somehow my determining factor in getting XXXX over. 

It's XXXX, you need to do something about it as an entity that can, and I am stating my case here so that when the 100,000 's of people that are getting XXXX  over everyday sue paypal for negligence I will be utilizing this as part of my class action lawsuit and deposition against their utter lack of effort when people are being robbed daily due to their software loopholes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06
Company: JPMORGAN CHASE & CO.
State: KY
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 was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX XXXX problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its Chases problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: BBVA FINANCIAL CORPORATION
State: VA
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:
After several disputes with BBVA Compass and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. BBVA provided the requested information, and there was a late paytment that I found out too late, but it was paid in full.

For some reason, XXXX and XXXX are showing a 'remark' or 'comment' where you can read settle less that full balance or paid for less than full balance.

In previous disputes with XXXX and XXXX it is clear it was paid in full, and BBVA Compass confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The first thing I noticed was that the bank turned on my overdraft protection without my consent or knowledge. The 2nd they did was turn my virtual LOCKS via XXXX  ON while my app was removed from my device and while I did not access the app, so that they fraudulently could access my card number and swipe it without my knowledge or consent. I had XXXX in the account after a refund of XXXX $ from XXXX XXXX. The bank then continued to swipe my card until there was XXXX XXXX left in the account. Me and a coworker watched as they continued to swipe the account into XXXX overdraft while the app was removed and XXXX was turned on to prevent theft. They did not protect my account and breached the contract when they breached my app and stole funds from my debit card. I want my XXXX returned.

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 monetary relief
Consumer complaint received 2022-03-14
Company: MEDCAH, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medcah is repeatedly calling stating unpaid debt without contacting my insurance. 

I have talked to XXXX and they confirmed MEDCAH INC. has not contacted them at all. 

The lady on the phone was rude and dismissive and unhelpful. 

I emailed MEDCAH the following based on XXXX guidance : I contacted XXXX They said you did not contact them in regards to this claim. Fax them the claim at XXXX or mail them at : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

I have zero patience left.

Company response to consumer: Closed with explanation