BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is listing an open account from the Department of Treasury, which I have never received a bill for and or have any information. I 've asked my E.A. about it and she said it is in error. Along with the original opening date as XXXX XXXX, 2009. I have called the Department of Treasury and they are unable to give me an answer regarding why I am listed as this being a delinquent account / Collections. 

Also, this exceeds the length of time that is should be listed, I have disputed this and they relisted the date reported as a current date, in a nasty attempt to damage my credit report. Supposedly it 's in collections however they can not tell me how I can resolve this issue that is not mine in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-28
Company: Recovco Mortgage Management, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started the refinance with sprout mortgage late XX/XX/XXXX for two of my properties. After 3 months and many emails to correct their mistakes I closed in mid XX/XX/XXXX. Now they faild to transfer the loan to a servicer. They list plant home lender as a servicer on the CD and as of today decmber XXXX XXXX, planet home knows nothing about my loans. For one of the properties, they collected fund to the escrow account and now they fail to pay the insurance that I have due on the XXXX of XX/XX/XXXX. When I called they kept transferring me to many people and eventully hang up. I sent many emails and emails are kept as evidence for their contract breach. Now I do not know what I shall do. I feel that I am stock with this lender that I am doubting their legitimacy. I need help!

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 2017-01-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax continues to report inaccurate information on my credit file. 

They are reporting several public records that have not been verified to include, a Chapter XXXX Bankruptcy and XXXX released tax liens. Once I disputed, they updated the information and/or records but failed to verify the information and closed my dispute within 4days of receiving the information. 

Chapter XXXX Bankruptcy : If a proper verification was ever completed, Equifax would have known that the public records should be deleted due to the falure to retrieve verification documentation alone. The Bankruptcy has never been verified as they stated. This is due to the fact that my consumer file with XXXX, whom they claim they verified through, was at the time of verification FROZEN and thus could not have been. They falsely reported they did, closing my dispute in 10 days. 

In regards to the tax liens, according to their own website and printed on the dispute results attached " A paid TAX lien remains on file for 7 years from the date released or upto 10 years from the Date filed, whichever is earlier ''. One lien was filed XX/XX/XXXX ( XXXX ) and the other was XX/XX/XXXX ( XXXX ) these accounts should not be on my records. 

XXXX continues to violate my rights by falsely reporting they have verified public record information when they in fact have not. And they also refuse to delete inaccurate information that should have ultimately been taken off my credit file in time. I would like these deleted IMMEDIATELY as they are negatively affecting me as a consumer and violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Name is XXXX XXXX. I have received alerts that a company called TransWorld System INC/XXXX  has reported me to each credit bureau. They insist that XXXX stated that I owe {$360.00} and XXXX denies reporting this claim to collections. 

I have been disputing this claim since XX/XX/XXXX. Finally, XXXX  removed the claim. However, the collections company TransWorld continues to try collecting money from me that I do not owe. I do not have a XXXX account. 

TransWorld System INC/XXXX is committing fraud. I have reached out to them several times, without any resolve. Today when I reached out to them I could not get any assistance. 

XXXX, even says that their company shows that I do not have an account, or owe money. 

Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I cured the debt of {$1500.00} paid through XXXX XXXX and emailed a copy to Honda Recovery Department ( Mr XXXX ) Acct XXXX. In addition emailed a copy of insurance and wire as well as allotment. I was told to pick the vehicle up once I sent the XXXX XXXX. 

We waited almost 4 hours at XXXX XXXX at XXXX, GA stated they are waiting for Honda to release the vehicle through XXXX .... 

Later after several calls, Ms XXXX from the Recovery Department was very rude and stated you had 90 days to pay so you can wait another several days to a week. Which she raises her voice and stated no extra fees will be waived I don't care if you waiting 3 hours ....

We never received any certified letter stating a repossession will take place. It's unfortunate that this covid crisis put a financial burden ... we paid what was due but Honda apparently Ms XXXX same lady earlier stating I have to go and get {$16000.00}. 
I drove 7 hours from North Carolina. I met the 10 day protocol and paid the account to current status. 

PLEASE assist

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
HI I was released from my ex husbands business irs income tax and Minnesota taxes when I filled out innocent spouse forms. It was from my ex husbands business that my name was never on. This was never my debt. On the credit report it states either paid or released ... on your companys credit report I noticed there is nothing stated?? I would like the lien information completely deleted from my credit report. The other XXXX credit agencies, XXXX and XXXX have completely removed the lien information off my credit reports. I would like you to do that as well ; since IRS released me from this debt and it is not my debt. thank yhou

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EQUIFAX has verified XXXX collection accounts ; the accounts XXXX XXXX AND XXXX XXXX are a duplication on the credit report ... .even though the collection is a difference of 12 dollars..they have XXXX collection accounts for a XXXX service of XXXX, the original creditor .PLEASE DELETE XXXX ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my credit card in full about 3 months ago, and when I requested my credit report TRANSUNION and XXXX XXXX show that my credit card was paid in full. the only who shows the correct paid was XXXX, I called my credit card bank and they told me that they report the info in XXXX XXXX. Im working on fix my credit and I need the correct info in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX and I was a victim of fraud due to PNC Bank 's inability to stop someone from accessing my account and making unauthorized transactions on my account. Please find the letter attached attempting to blame me for the fraud that occurred on my account and attempting to charge me ( the victim of fraud ) {$4400.00}. I refuse to pay for any account transactions that I never authorized and will not be paying. I would like for these charges to be reversed with my record cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TCF NATIONAL BANK
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have a complaint against TCF Bank. On XX/XX/2020 I visited a TCF Bank branch and upgraded my savings account to a better account in order to avoid coin deposit fees. The new account has a {$100.00} minimum. In the same visit to the bank branch I upgraded my savings account to the new account type and had the branch representative transfer {$100.00} to the account. 
On XX/XX/2020 a {$4.00} " monthly maintenance fee '' was charged. This was likely due to the branch representative transferring the {$100.00} sequentially after upgrading the account. The fee was due to representative error. 
I received a fee reversal for that {$4.00} subsequently during a branch visit. 
A second {$4.00} maintenance fee was charged at the end of XXXX, which was triggered by the prior maintenance fee. It's like this : XX/XX/XXXX balance : {$100.00} XX/XX/XXXX balance : {$100.00} - {$4.00} maintenance fee ( caused by sequential error when account was upgraded and {$100.00} minimum transfer in the wrong order, bank branch rep error ) XX/XX/XXXX balance : {$96.00} ( triggered additional maintenance fee for month of XXXX ). 

Today, on XX/XX/XXXX I called TCF customer service and requested the second " monthly maintenance fee '' be reversed. The first monthly maintenance fee had already been reversed via a branch visit. After spending over a half hour on the phone with the call center representative explaining the issue, the representative finally admitted that she only has access to 6 months of transactions. The representative said I would need to visit a bank branch in order to receive the fee reversal. I find this to be completely unreasonable. It is a long distance to any bank branch and I know that branches have very limited service. The bank representatives don't have access to transactions older than six months. The bank can not help customers over the phone with issues older than six months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01
Company: Delbert Services
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My loan was with Western Sky but they have sold the loan. Delbert services is showing on my credit report and so is Western Sky. I have been paying the loan off every month and finished in XXXX. But now Both Delbert and Western Sky show as owing money. The interest rate was well over 95 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXXaccount on my trans Union credit report thats not mine I them to supply a document showing my signature. But as of today I still have not seen so I need these removed asap. XXXX XXXX and wells recovery XXXX I do n't have the account numbers sorry..

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 2016-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I previously filed a complaint with CFPB about a State Lien being reported on my credit that is not mine and I had gotten a letter from the courthouse that said I do not have a lien in that amount, with my social security number and my address of XXXX SC XXXX. I diputed with Transunion and they did not delete. I then sent a Method Of Verification that by law needs to be returned in 15 days and all I received was a letter talking about disputes but not showing any method of how it was disputed. I am trying to buy a house and they have ruined my credit. They have violated the credit reporting act by not reporting who gave them these results as the courthouse did not

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 2020-12-28
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX account # XXXX open date XX/XX/XXXX amount XXXX I called XXXX also file an FTC report and they told me that they no longer have that info FCPA section 807 violation misleading false reporting and like this removed account # XXXX American adjustment open date XX/XX/XXXX, amount {$130.00} this account is also fraud and did an FTC REPORT XXXX XXXX XXXX account # XXXX amount {$7300.00} open date XX/XX/XXXX, this account is not mine as well as the others

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 2020-12-28
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:
My concern is that I thought I was paying my Federal Student Loans ( FFELP ) not private Navient Loans. I was totally unaware or see how my Students are no longer Federal. The originality of the loan was Federal. It is still titled as Federal and the interest rates are regulated by federal. How is this not included in the Covid-19 relief of not having to pay interest rates during the pandemic? This is truly a problem and criminal act that Navient is doing to its consumers. It has all the characteristics of a Federal Student Loan and should be treated just like the rest. Please look into to this matter and help make a change on how Navient is servicing its Student Loans.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently moved to XXXX XXXX  from XXXX and noticed there were several accounts on my credit report that do not belong to me. I am currently in the process of trying to purchase a home and this is holding up the process the following accounts are listed below : XXXX  XXXX XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX/XXXX # XXXX, US DEPT OF ED/XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone created a secondary bank account in my PayPal account. For nearly a year and a half, this person has been syphoning money in small increments to avoid detection from my PayPal account to his/her XXXX account for a total of XXXX dollars. I attempted to resolve it with PayPal and after offering to tally up the total and refund the money, they called days later revoking that offer and giving me XXXX dollars saying that LEGALLY they could only go back six months. I was legally advised to contact you all in order to weigh my options on how to get my money back. I 'm a XXXX that was heavily affected by this robbery, so please help in any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Tried to submit an EXPERIAN credit report error several times on several different days through their website. Every time it says the website is down and to call their XXXX number to report the dispute by phone which no one ever answers. It 's IMPOSSIBLE to get through to these people and get a credit report corrected!!!

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 2020-12-28
Company: Spring Oaks Capital, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter to Spring Oaks Capital requesting validation of debt that company states that I owe as well as to cease all phone communications and instead provide me with written documentation only. I have never had a contract with this company nor the company that they state that they represent. The company in returned sent me a 1 page document via email which does not validate the debt as requested. Since XX/XX/XXXX Spring Oaks Capital has contacted me a total of 16 times by phone with the last 3 calls coming in today XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
This company is clearly ignoring my cease and desist letter which is a clear violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
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: Reporting company used your report improperly

Complaint:
This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX, XXXX XXXX, and XXXX are amongst the list. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have not given permission or signed consent that allows the agencies to furnish listed above. Consumer law clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed XXXX XXXX XXXX XXXX that this account is being reported inaccurately on my credit report for well over a year now. There are several inaccuracies in the reporting of this account. The date of last activity is different on each credit bureau by YEARS. Also, this account was charged off years ago but continues to update as though it is a live account which is an FCRA violation. I have asked this creditor to provide validation of the information that's being reported on this account to no avail. I have ALSO asked them to update this account with the proper information so that it's reporting accurately to no avail. The presence of this account on my credit file has kept me from getting funding for my business amongst other things. As a result of their inability to accurately report this account and remain in compliance with the FCRA and FDCPA, I am requesting that this account be removed from my credit report 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 non-monetary relief
Consumer complaint received 2022-03-18
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted payment to settle my debt with CITIBANK for a secured credit card account that is reporting as a CHARGE OFF on my credit reports. 

I offered Citibank payment for removal of the charge-off from my credit reports. To summarize my letters, I stated by accepting payment enclosed Citibank agrees to removal and deletion of the debt. 

If they did not agree the could have mailed back my check, I enclosed a self address stamped envelope. Citibank accepted my payment, but is continues to report on my credit reports and refuses to do what was agreed if payment was accepted.

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