BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of identity to the federal trade commission and i also have enclosed copies of the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.

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 2022-07-07
Company: Navient Solutions, LLC.
State: TX
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 have mad loan payments to Navient fr 12 years. They were putting at least half of each payment all of these years to interest so balance after 12 years went from XXXX to XXXX. 
I paid back the original amount plus roughly XXXX in interest. 
Just doesnt seem right! 
I just refinanced into a direct loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
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 recently reviewed my credit report and noticed some unauthorized accounts and inquiries. I since then contacted the company and was told what documents that needed to be provided to remove the unauthorized items. I have provided those documents but the accounts and some inquiries still persist. I am a XXXX veteran and I am trying to purchase my first home and would love this to go away fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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:
Im disputing that Transunion hasnt responded back to me within 30 days. I mailed my certified letter off XX/XX/XXXX. By law their obligated to respond within 30 days

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 2021-12-07
Company: Experian Information Solutions Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We entered into a timeshare agreement in XX/XX/2014, within XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX the purchase, I was informed to keep the agreement for XXXX and they would resolve in good faith. They did not honor this agreement, and I engaged legal assistance to absolve my responsibilities in this scam.

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 2017-08-18
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 status incorrect

Complaint:
i had two accounts with two different act numbers I paid them but they used one account to take all the payments that acct number was XXXX for {$580.00} and they did not apply the {$1000.00} to the account number XXXX so when transunion and XXXX calls on investigating this there using the account number thats on all the receipts thats for the {$580.00} and its of course showing paid in full this is why i am still showing a open collections for {$1000.00} so i am wondering where did they put my money? was the error found? if i had overpaid {$1000.00} on the {$580.00} acct why would n't I 've received a refund? on my transition credit report is shows two different account numbers but obviously there clerk applied ALL my {$1600.00} to one act that was only {$580.00} and worse problem is they told me they ONLY report once a month and this could not and would NOT be corrected if needed until mid XXXX, thats wrong, when it is there Error they should manually fix it to all 3 credit bureaus ASAP this is causing so much problems while I 'm in escrow

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 2017-08-18
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:
SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM 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 2022-07-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax has failed to validate my accounts ( XXXX XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, and has violated my consumer laws based off Under 15 USC1681b- permissible purpose of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: AZ
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 sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-18
Company: EQUIFAX, 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:
I have been trying to pull my credit report from Equifax credit reporting agency since XXXX XXXX, XXXX. I am also a paying customer of their monitoring system that I pay every month. This is a service that I was told that was unlimited at any time. I called on XXXX XXXX, XXXX at XXXX XXXX and was on the phone for 2 hours and did not get any results. I also applied for credit with XXXX XXXX on XXXX XXXX, XXXX and was told by the creditor that they were unable to get a copy of my credit report. I also applied for credit with XXXX and was also denied due to no credit report on file. This is a violation of my rights and I have tried to resolve this matter and has been very unsuccessful with this matter. I was told that my credit file is too large. This company previously has taken accounts off my credit and added accounts that were derogatory back on my credit file. These are medical bills that was found not to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had XXXXXXXX XXXX XXXX XXXX  and paid in full up front. After the insurance paid there part i was issued a refund for over payment. The beginning of this year i XXXX XXXX XXXXXXXX from the same doctors. I again paid up front and was issued a refund for overpayment. On XXXX of this year a collection was placed on my credit report from XXXX, by a collection agency. When i first called the agency they refused to give me any other information other then the original debtor and price, as well as a collection fee being added. They could not verify the debt and said they mailed letters to old addresses that i have not lived at for over 20 years, not the address provided at time of XXXX. When i called the doctors office that did the XXXX they said they merged with XXXX XXXX  and had no recordsof me owing anything or any records of any debt being turned over to debt collection.Suburban credit corp id the debt Collector and XXXX XXXX XXXX is the doctor who XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is another complaint to Shellpoint 's response to complaint XXXX. Shellpoint has stated no new backup has been sent- they already have all the backup that they are not researching for proof of payment. XXXX XXXX XXXX  has sent Shellpoint the {$52000.00} that was credited in error. Shellpoint has known for years the listed missing XXXX to XX/XX/XXXX were applied in error to the XXXX - XXXX payments that were credited in error. Shellpoint can not apply the XXXX - XXXX payments to the XXXX XXXX. 
Shellpoint won't accept the escrow payments sent, but the foreclosure papers state insurance and taxes must be paid if the property is in foreclosure. They also did not say they were processing the submitted loan modification application. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed numerous complaints on XXXX/XXXX/2017 regarding incorrect balances on my accounts. In your response you claim that balances were to updated in 7-10 business days. It is now past that time frame and now you are in violation of the FCRA. The accounts are highlighted in a copy of my Equifax credit report dated XXXX/XXXX/2017. The accounts are XXXX XXXX XXXX still showing an incorrect balance, XXXX XXXX -XXXX still showing an incorrect balance and XXXX XXXX XXXX XXXX still showing an incorrect balance.
<P/>
XXXX XXXX XXXX shows " Pays as Agreed '', yet it is showing up on as an adverse account.
<P/>
Delete the accounts immediately or I will file a lawsuit against your company. My attorney is in the process of filing the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau, the date of the last letter was on XX/XX/XXXX and still got nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} - XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} - XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$2500.00} - XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$750.00} - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: ND
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:
I experience some irregularities on a XXXX credit card. I reported it to my credit card company on XX/XX/XXXX. The following day they closed the account and opened a new one. When I checked Equifax, my XXXX credit card had completely disappeared. It did not show that it was closed it was just not there and the new card was n't there either. I waited a week and contacted XXXX, they told me they reported to all 3 major bureaus both the closure and opening of the new account on the XX/XX/XXXX. They recommended I contact the bureaus. They also launched their own investigation after I was getting nowhere with Equifax. This investigation could take up to 30 days. When I contacted Equifax on XX/XX/XXXX they told me they have no information about me ever having a XXXX card and they also had no documentation that shows that XXXX told them to close and remove an account. They just have nothing. And they keep telling me since they have are not showing any XXXX Cards ( which they removed ) they ca n't investigate why it was removed. I contacted other the two other major bureaus and they were able to give me information. The other two documented the closure but not the opening of the new account. This is an account that has been reported on to Equifax since 2010 and I keep a close eye on all 3 bureaus. There is an obvious oversight if when they remove the card they remove all requests from the company. At a minimum they should still be able to access a final request that tells them to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CITIBANK, N.A.
State: FL
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:
Citibank credit card is double charging me for an order that I had already paid. When I was charged again a XXXX charge on my card I brought it to the attention of the credit card company as an unauthorized charge as I never place a duplicate order with the vendor. The credit card company is saying to bad I must pay again or they will ruin my credit.. I repeat I never made a second order with that vendor nor did I receive a second order. The first order arrived in two seperate days

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 2022-02-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to validate my debt one this one account in the letter attached

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 2022-02-04
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Thank you for hearing me again over the last XXXX yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over XXXX  times in a XXXX yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got XXXX evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX  because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. 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 2017-08-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The problem I'm having is basically with PayPal. I was doing good with PayPal, but one day, they temporarily and later permanently restricted my account for no reason. I called support, but they couldn't give me a clear explanation at all. I was given the hope that I would be able to withdraw the available balance ( {$260.00} ) after 180 days. When 180 days finally passed, they put another restriction on my account for further investigation. I was still okay with their decision and hoped to get my money back one day. I thought all of this was their part of security.

Unfortunately, when I logged into my account after a month or so, surprisingly, there was no money in my account balance!! On the activity page, I noticed PayPal sent all my money to themselves on XXXX XX/XX/2022, labeling the transaction as " correction. '' I called the support, and the rep took it seriously too. He apologized and reported the transaction and assured me that I would get an update via email soon. 

PayPal claims that they took my money as their loss recovery. But man, what have I done wrong? There was no problem with my account! 

But until now, I didn't get my money back, or no one contacted me. There is no sort of explanation for this transaction at all! Now, I want my money back at any cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Stuart-Lippman and Associates, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX keeps calling me about a debt to landlord, claiming it was damage to a house beyond the deposit amount. I never had this person as a landlord, nor lived at the address they said I lived at, at any point in my life. I can prove this using signed lease agreements, utility bills and account records, and IRS records. They are also more than welcome to call my previous landlords to confirm I was renting their house during the time I was supposedly living in this made-up house. I keep telling them this, but they either hang up on me when I fight back, or threaten to sue me for this money that I do not owe or threaten to report me to credit reporting agencies.

Company response to consumer: Closed with explanation