BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I called transunion and stated to them that my student loan had been consolidated and were all one loan.Transition still refused to remove it off my credit report which is showing 6 different times.Transunion has giving me the run around and provided no help my loan is in good standing but refuse to update my information.

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 2016-01-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a collection on my current credit report from Equifax and XXXX that belongs to my XXXX sister. The collection is a medical bill that I am not liable for. I am XXXX XXXX military and I am covered under XXXX XXXX XXXX, fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit bureau keeps reporting inaccuracies related to XXXX XXXX tradeline. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 mya mortgage was sold from XXXX to Seterus, owing no more than {$160.00} on principal, then Seterus did send to me a letter of welcome but with no information about the money that I did owe on the mortagage, they ask me for a payment of {$3600.00} wich was send it to them on XXXX, then i ask for a pay off cuote and they required from me another payment for the amount of {$3500.00} wich was send it to them on XXXX. I was told by them that this payment was to pay the XXXX tax of 2015. They did not pay tax and send me a refund for the amount of {$2300.00} wich happens to be exactly the same amount of escrow that was transfer from XXXX to Seterus. So there is a balance of at least {$3500.00} that should be returned to me as well. I been calling them every other day and every time they have a diferent answer and bottom line they dont want to refund that money so I hope you could help me a on any way to recover my money that Seterus wants to keep with no rights to retaining it, I do believe that there is some type of discrimination toward me because i don speak perfect englishXXXX. Thank you so much for your time and your attention to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Pressler and pressler of XXXX Nj have taken from my bank account almost {$3000.00}. They have taken out money which they have no recollection of. They have no documents of the funds taken out and have asked me to find the proof they took it out. I called my bank which they clearly see pressler and pressler are the ones who took out my money. They have wiped out my account one week before XXXX. Please help me. They have been causing me nothing but stress the past 3 years. I do n't even get notices from them. When I called them after they took the last of my money again they gave me an address I lived at ten years ago!!! They were n't even sending the notices to my current address!!! The funny part is that they had my current address. It seems like they were purposely sending to my old address to have full power on knowing they will be able to clean out my bank account. I 'm a single mother and work XXXX hard to have these scam artists take my money!!! Please Help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed :

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 2020-08-18
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$1400.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$52.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$55.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$500.00} XXXX XXXX {$410.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$43000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CORELOGIC INC
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This complaint is filed against CoreLogic SafeRent, who has produced an inaccurate report that includes landlord-tenant cases filed by XXXX from XXXX XXXX through XXXX XXXX. Specifically, CoreLogic SafeRent is inaccurately reporting the court cases as " case filed and the claim amount '' when in fact all of the cases were dismissed because payment had been made. CoreLogic SafeRent is required by the Fair Credit Reporting Act to report accurate information. CoreLogic is violating the federal Fair Credit Reporting Act ( " FCRA '' ) by systematically and illegally reporting court cases that have been dismissed. Because of CoreLogic 's inaccurate reports, I have been denied housing since XXXX and have been forced to live with family members. I have been employed with the federal government for 25 years, have a good salary, no open collections or late payments and a good credit score. However, none of these factors mattered when I applied for housing on XXXX XXXX, XXXX. The Management Company informed me that my credit score would warrant an approval, but they had to accept the decision not to approve based on the information that was received from CoreLogic SafeRent. For the sixth time, I have been denied housing based on the inaccurate court cases that CoreLogic reported. The inaccurate reports are misleading as it only shows the court cases as " case filed and claim amount '' which implies that the case is still open and the claim amount is still due. This is not correct and I suffered tremendously because of the inaccurate information. Had CoreLogic checked the court records, it would have realized that these cases were dismissed and there are no outstanding balances or money owed. I have faxed three disputes which have been ignored and no one has responded. Nor do this company answer the phone. I have not been able to get this resolved.

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 2015-05-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contaced Equifax in the past regarding XXXX accounts listed with XXXX XXXX. The XXXX accounts were reporting inaccurate information, so XXXX XXXX opted to delete the tradelines. The XXXX other credit breaus have deleted the XXXX trade lines how ever equinox will not. XXXX XXXX account # XXXX - and account number XXXX. The accounts were reporting incorrectly and XXXX XXXX agreeded to delete the XXXX tradlines. I have enclosed a copy of the letter from XXXX XXXX as proof to delete the trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have POA for my XXXX XXXX XXXX XXXX who XXXX. Our Attorney reviewed the POA document and advised it was good for managing her financial, personal and health maintenance and more. My sister is currently in a XXXX XXXX XXXX XXXX XXXX XXXX release her to an XXXX XXXX XXXX XXXX XXXX. We have located one and are having her transferred but our local BB & T branch holding her money will not allow me to allocated the funds. The doctors,  attorney, XXXX XXXX XXXX, pharmacy and everyone else is in agreement that our document is valid and was executed two years ago prior to her XXXX progressing to the state where we have to assist her in order to keep her safe. This document has even been registered with the NC Dept. of registrations and deeds. I do not want her funds for my personal use but solely to pay for her own personal needs. Because she has a sizable amount of money in the bank the NC Dept of Health and Social Services advises they can not assist with any ongoing healthcare cost until her personal funds are reduced to only {$2000.00}. We need to get her assisted living fees set up as autopayments and need to have access to other funds to pay her other bills and personal maintenance.

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 2017-08-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Incomm Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I received a XXXX gift card as a birthday present. Upon use of this XXXX gift card for {$150.00} the card was declined. I called the number listed on the back of the card and spoke to a representative who proceeded to tell me she was unable to find the card number. I then provided the serial number from the back of the card and she did pull up my card. She then proceeded to tell me she was sending me a replacement card and I would receive it within XXXX14 business days. I requested expedited shipping and this was not offered or provided. I requested I speak to a supervisor and during the extensive hold she placed me on the call was answered and immediately disconnected. I then called back and proceeded to speak to another representative who stated she was " resolving my issue ''. She confirmed the card had been sent and stated it would only be up to 10 business days and requested I be placed on a brief hold while she " resolves my issue ''. After 45 minutes of hold time with brief interludes of " Thank you, I 'm still looking into this '' ; I requested I no longer wait on hold and requested a call back from Incomm corporate. She stated this call back would occur within 48hrs from approx XXXX XXXX. This callback never occurred, I then proceeded to call them today XXXX since no callback had occurred. They then told me I need the receipt or I need the store to print the receipt that they can find in their electronic journal and XXXX of my utility bills within the last 30 days. They provided me with an email address of XXXXXXXXXXXX with a reference number. I then called the sender of the gift card and found the purchase location to be XXXX in XXXX, RI and date. I called this XXXX and spoke with a customer service representative that stated she had numerous transactions from that date and wo n't provide me with a receipt without myself or the sender being there in person even though I have the serial number and and card number. I then again contacted the purchaser/sender of the gift card and he will be returning shortly to ascertain this document. I did want to start a dialogue with you about what seems to be going on here. From my simple research on XXXX gift card and incomm I found quite a few stories all leading to essentially theft of the funds purchased. I am working the get the receipt requested but since it was a gift I did n't receive a receipt with the card. Seems their strategy is to delay and make it extremely difficult to get the funds purchased. Case after case found with a simple XXXX search. I believe their is some larger fraud occurring here. I hope to pursue this complaint through the CFPB to some resolution with incomm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX Account Number : XXXX This is not my account its my son who is XXXX years old I have asked for docs did not receive any thing from them please have them remove it immediately. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I enrolled in a payday loan debt consolidation program XXXX ( XXXX ) in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after XXXX withdrew {$400.00} each month for 6 months. I was promised a closure letter and finally received it XX/XX/XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted Ad Astra/XXXX and they state they have not received any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
AMEX reported me to the credit agency because my credit card was XXXX {$100.00} over the {$10000.00} credit limit. I have been am AMEX customer for twenty ( 20 ) years. I was n't late or delinquent. In fact, my card is set up for auto payment, so I thought I would never have to worry about paying or checking my statement. When I spoke to AMEX, they said that rather than deny my use of the card, when it went over my credit limit, they instead unilaterally decided to " offer me the courtesy '' of not having my charge denied. This is completely unacceptable. I would much rather have my card denied, at the credit limit set for that card, than have my credit score negatively impacted. I have other cards and other means to pay for things. I do not have any way to get my now diminished credit score back. Something is very broken at AMEX for this situation to arise. I get electronic alerts from AMEX whenever anything looks amiss with regard to fraud, etc., I 'm baffled as to why AMEX could n't have automatically sent me an email letting me know they had approved charges above my credit limit so I could pay off some of my balance. I 've NEVER been late in paying my balance in twenty years. This is totally unacceptable. I hope CFPB is able to do something about this. Thank you in advance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've had a student loan for about 8 years and financial squeezed for a majority of that time. For at least the first 5-6 years I 've had my loans in deferment because I was suggested it by my loan sevicer. Not until recently, because I 've been adament about repaying did I hear about the income based repayment program that is offered. Furthermore I have XXXX different loans all with drastically different interest rates. The repayment process seems convoluted and hindered with many obstacles. I 've made well over a years worth of payments and my loans have seemed to increased exponentially. I feel like that my loan servicer is clearly not interested in cooperating with reducing my loan balance and is clearly more interested with my interest %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Io, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My son and I both go to XXXX as regular patients. We both are under my health insurance. I am a federal government employee with excellent health benefits. I keep receiving harassing calls from receivable management in XXXX Virginia saying that I owe bills to XXXX. I went onsite and while at XXXX I was told I do not have a balance nor do I owe a bill. XXXX does not allow patients to be seen if a balance is owed. I received a notification on my credit report stating that XXXX is being reported by receivable management I was very upset but because I 'm going through security clearance I paid it. I need this investigated because they clearly are n't sending bills to my insurance company and there is a disconnect I 'm not receiving bills and I do n't owe any I received another call today for XXXX from this receivable management this is fraudlent and becaus inpaid the first bill they are trying again. This needs to be deleted from my report I was told if I pay it and request in writing the XXXX would be deleted and it has n't now they are asking for XXXX

Company response to consumer: Closed
Consumer complaint received 2016-03-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several issues with Experian. First, I tried to get my free annual credit report and received a message that they were sorry but they could not provide it. I did get the credit report through XXXX and found that Experian has shown me as " also known as '' someone else.

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 2016-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, XXXX and Experian. Please assist with having this information remove from my credit file. 

Thank you, 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 2017-02-05
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This. company Choice Recovery appears on my credit report for {$550.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-03
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A debt collector, Penncredit, continues to call my home telephone number regarding a debt that I do not own. They claim the debt is for my father, who has never lived at my home. I have stated that they have the wrong phone number and they continue to call my house all throughout the day, everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation