BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: PENTAGON FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
Names : XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts : PENTAGON FCU XXXX, PENTAGON FCU 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 2017-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is an addendum to complaint XXXX. 
Initially when I called Experian to complain ( my 1st complaint ) about my report and FICO score they said I would n't be charged {$19.00} which was showing as pending when I made the call on XX/XX/XXXX Experian charged my account anyway. I called once on XX/XX/XXXXand another time the week of XX/XX/XXXX to ask them to remove the charge again. The second time they said just ask XXXX XXXX to remove the charge. I said if I do that I am reporting it as fraud. You made the charge for the month of XX/XX/XXXX after I cancelled the account in XX/XX/XXXXand you agreed not to charge me. Experian reluctantly agreed to remove the charge. By XX/XX/XXXX the charge still was not removed ( 2 months after it was charged ). I reported it to XXXX XXXX who removed the charge on XX/XX/XXXX and sent me the attached letter. Obviously Experian ca n't be trusted to correct their own simple billing errors. As I said in my previous complaint : Experian should stop worrying about their sales of credit cards and products and fulfill the job of a credit reporting agency fairly. As the Experian reps told me - Experian has no control over their credit reporting agency, the policies and procedures of their agency, the credit reports they produce, or the FICO scores their agency produces that affect millions of consumers ability to get credit at fair rates based on their credit score and credit reporting history. Experian should step out of the primary credit reporting and scoring company until they can get their act together. Because if this happened to me it has certainly happened to hundreds of thousands if not millions of others. XXXX who has none of these problems should take the lead as primary credit reporting agency for the sake of millions of consumers who need fair and accurate credit reporting and credit scores.

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 2022-07-15
Company: Experian Information Solutions 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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of Bureaus. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act this account XXXX XXXX Balance : {$0.00} will be removed 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 2022-07-15
Company: Experian Information Solutions Inc.
State: GA
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:
Original complaint response was not satisfactory. Please see attached document.

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 2020-04-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Navient was sued by the United States Consumer Federal Protection Bureau and Pennsylvania Attorney General XXXX for their deceptive practices and more concerning Student Loan Debt. 
U. S. Department of Education was also involved and named in the Class Action Lawsuit.

Navient showed my account being adjusted due to claim, the settlement claim but the U.S. Department of Education never made any adjustments to my account as a result of the Class Action Lawsuit and at this moment during this Coronavirus Pandemic the world is facing, there are penalties being added to my account and deeply affecting my credit reports. 
It seems as though both agencies are still continuing their deceitful practices and handling of the Student Loan Accounts. U.S. Department of Education is not taking or accepting any part of these entries being part of Navient. Federal and Private Student Loan Accounts were handled by Navient and some were showing as double or triple accounts with penalties being added almost daily and being reported to the credit bureaus, affecting the credit scores and overall life. 
I am asking to have a copy of the results showing my Student Loan Account Forgiven in all as a result of the claim. I want a letter showing all account numbers, all of the amounts removed to include all penalties waived or reversed. 
Neither agency nor some of the employees seem to care about nothing else but to ruin other people lives even more so to included possibly having them XXXX or XXXX   themselves during this Coronavirus Pandemic. 
How can anyone try to help others when other people are doing a job to ruin lives with negative and incorrect entries on their credit life. 
Please read : XXXX XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have disputed and asked to remove XXXX XXXX XXXX form my credit report with transunion. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to 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 2022-07-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I was refunded {$66.00} at paypal. I tried to transfer the refund to my bank account. The money showed up in my account as - {$66.00}. They deducted the amount instead of giving me a refund. They now have chaged me double for this transaction that I canceled. I am a XXXX XXXX XXXX that needs that money for XXXX now, not days and days from now. The paypal representative was clueless that I have been charged twice and how to get the double money back to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CL Holdings LLC
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:
XXXX, XXXX AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX XXXX XXXX AND Jefferson Capital System WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-02-15
Company: EQUIFAX, INC.
State: NJ
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Second Round Limited Partnership, Austin, TX Branch
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SECOND ROUND LLP has been harassing me on several occasions over the past year to try and collect debts. They purchase debts from mainly XXXX XXXX but there are others and then attempt to get the money from the consumer in a sterner formatted letter and if you dont respond accordingly, they have a law firm they work with ( XXXX XXXXXXXX XXXX ) that then garnish your wages in which they did to me on one occasion in the last six months and made other attempts but didnt succeed. They first came to me about 6-8 months ago and attempted to garnish my wages and hadnt even sent me anything AT ALL! When my HR person contacted me telling me they received a legal letter to garnish my wages abs I freaked out because I didnt know what it was. I about fell out of my chair, both in sick and embarrassment. This was a new job and I am XXXX! When I reached out to them and threatened them to stop because they hadnt even informed me, they retracted immediately. However, about three weeks later i got something in the mail and my company received another formal letter to garnish my wages in which they had to. From then on it got worse and NONE of the attorneys would speak to me or take my calls and the only people that do are customer service and theyre completely rude and sarcastic and dont care that your whole world is being turned upside down. They claim you need to speak to an attorney and yet you never get through to one.I became so frustrated and told them I paid these balance ( s ) or that they werent even mine but it didnt matter at that point. When I reached out to the credit card company they dont even know who SECOND ROUND LLP is and many arent sure how its getting to this connection agency. The one debt from XXXX, the person felt terrible but couldnt help me at that point because it has been sold to Second Round. I tried explaining this wasnt even my debt it was listed under my ex husbands name but it just didnt matter at that point. They then had the law firm garnish my wages at over 40 %! Im a single Mom and have XXXX  daughters that are XXXX and they take daily medications. I ended up paying it and it cost nearly {$1000.00} more with the fees from their firm. Totaling like nearly {$3000.00}. And the original debt was {$1600.00}. Now, theyre coming at me again for a ANOTHER DEBT that is from XXXX, over six years. A XXXX XXXX XXXX in the amount of {$3800.00} and I honestly cant take it!! They will be threatening my new job AGAIN by garnishing my wages and I wont be able to pay my bills and live when they do that! They have to STOP! Its killing me and my family! PLEASE SOMEONE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$370000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: TN
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I received a copy of my credit report XX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX who has reported that there was a late payment XX/XX/XXXX. 

1 ) I contacted first progress in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
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: Account status incorrect

Complaint:
I received a copy of my credit reportXX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX  who has reported that there was a late payment XX/XX/XXXX.
1 ) I contacted XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.

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 2020-06-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to my local TD Bank branch ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) on XX/XX/2020 to deposit {$1000.00} dollars into my checking account. When I input the money into the ATM, the machine showed an error message and printed me a receipt stating that I had an issue with the {$1000.00} dollar deposit and the ATM swallowed the {$1000.00} dollards I deposited. The receipt said to reach out to TD Bank via call. I reached out and provided them the details and the Record number of the dispute. Upon them reviewing the incident, they compiled a review and determined an error did not occur. This money was to pay overdue bills and now I am struggling to find how I can get my money back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06
Company: JPMORGAN CHASE & CO.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried several times for a loan modification and have I have been denied. I received a letter from the Executive Office XXXX XXXX XXXX XXXX OH on XX/XX/18. The letter was dated XX/XX/18. In the letter they advised that they need more time for the loan modification because they received more information that they need to review and for me to call right away and they can let me know what new information is needed. Soon as I received the letter I called and left several messages to the person who I needed to contact XXXX XXXX and to this date I still have not received a return phone call. I am trying to save my home. I have been reaching out for help but nobody seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$370000.00}.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: GA
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 sending a complaint to notify you about my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following information on the credit report is incorrect. I respectfully request that Credit Bureaus must take a step to update the wrong accounts from my report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation