BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Mercedes Benz Financial Services
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I requested for Mercedes Benz Financial Services to audit my account that I believe that I had already paid. XXXX XXXX sent me letter on XXXX XXXX, XXXX stating that everything checked out. However, upon checking my XXXX credit report I discovered that a payment in the amount of {$24000.00} that was made in XXXX XXXX did not show up on my statement. It also revealed that I was paying for 2 cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Was mislead by the customer services Representative. The interest is burying me in deeper debt. Fedloan never mention the interest rate when consolidating my loans. Also also qualify for cancellation of my loans thru the Department aid Education and My loans are still occurring interesting in which I wasnt aware of When Fedloan offer me a program that will lower My monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have filed a complaint against EQuifax and XXXX on reporting information incorrectly and the issue has not been resolved. I have contacted the credit bureaus and made sure they had my personal information which they stated they needed my address in order to correct inaccuracies. While looking at my credit report I noticed the following accounts had a discrepancy in the account status. The accounts are reporting as open which obviously an account that has been sent to collections should not be listed as open and is not under XXXX compliance. Because of this apparent neglect in assuring everything in my credit report is accurate, consistent and up to date please delete these items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQuifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: EOS Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I spoke with a representative on XXXX/XXXX/2015 from EOS CCA she advised me that I was billed in error and that the debt would be removed from all three credit bureas. She also provided me with a telephone number to follow up with XXXX XXXX XXXX ( XXXX ) XXXX. I called this number and it was disconnected so, I contacted EOS CCA again and spoke with XXXX with Consumer Complaint who advised me to send them a email or fax for the phone conversation to be investigated. They have been billing me for several years and after numerous credit bureas disputes they are still knowingly reporting misinformation for a debt that does not belong to me. I received a bill under XXXX XXXX which is not my name and or debt. I would like to have them remove this debt from all three bureas immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Paypal Holdings, Inc
State: AL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have a {$5.00} charge on my XXXX. This was made by PAYPal. I do not have a PAYPAL ACCOUNT AND NEVER HAVE had one. I have tried to contact paypal but they wont me to login to my account, I cant do that because I dont have a PAYPAL account. If someone opened a account in my name they could take all the funds from my visa green dot card. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I did not have a social security number in 2012, and could not possibly be involved in any credit/debt related issue.

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 2020-03-14
Company: WAKEFIELD & ASSOCIATES, 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: Account status incorrect

Complaint:
In XX/XX/XXXX, XXXX  ( twice ), XXXX, XXXX, Wakefield Associates, a collection agency, thus far all reported negative entries on my credit report for non-payment of {$330.00} service date XX/XX/XXXX on behalf of XXXX XXXX ( XXXX ) XXXX, formerly XXXX XXXX XXXX. I contacted on XX/XX/XXXX XXXX, who had the wrong address and phone number for my account, therefore, none of the correspondence was ever received. They should have known this when the mail was returned and I was not at that phone number. When I received a credit alert for this on XX/XX/XXXX, I immediately contacted XXXX ( XXXX ) XXXX for an invoice copy, and they stated that they would put a temporary insurance hold for collections ; however, this obviously did not happen. My insurance completed the claim with a {$50.00} balance, which I have since paid. I have a copy of the statement and {$50.00} receipt and would appreciate my credit report be updated to expunge all of this item from my report. The collections agency, Wakefield Associates, advised that they could not do this. 
I can be reached at ( XXXX ) XXXX or XXXX. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: CA
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 the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Equifax have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX XXXX BANK, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Funds were sent from my Venmo account erroneously to a user that I have never met and they refused to send the money back to me. I raised this issue with Venmo and they offered no support at this point I took matters into my own hands and stopped the payments through my bank ( ON PURPOSE ). Then I received an email from venmo saying " Do n't worry we transferred the funds to the other user '' and now your account is frozen until you settle the debt with us. These funds were purposely stopped by my bank at my request. I will not pay Venmo this disputed amount as I wanted to stop these payments. They have now frozen my account and will not let me delete my account thus holding me hostage. This is absolutely ridiculous. I would like my account deleted and will not be resolving this so called debt as I specifically stopped these payments ON PURPOSE. 
The fact that they will not unfreeze and let me delete my account has me feeling hostaged and trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Mortgage Research Center, LLC
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Veterans United employee XXXX XXXX pulled my credit report without my permission. He pulled a XXXX XXXX XXXX equifax credit report and merged it with my XXXX and XXXX credit report. XXXX Mortgage which was hired to pull my report, sent me XXXX XXXX XXXX credit report with all her personal information on it. I am guessing they sent her mine. This is a clear violation of the Fair Credit Report Act. I received an email from him saying that if I do not control my XXXX condition then he will not talk to me or work with me. I requested that he remove the inquiries from my credit reports. As of today, Veteran United has blocked my phone number. They have demonstrated discrimination practices against being a XXXX Veteran and XXXX XXXX Woman. I told him and his manager that I suffer from an XXXX and when they trigger my condition then my symptoms flair up. They continued to ignore my pleas. Now they have accessed my credit report swithout my permission. They have blocked my phone number. They have snubbed me after violating Fair Housing and Credit Reporting laws by accessing me and another woman 's credit report and merging them. By doing this they created a false credit score and decreased my credit score with this inquiry. I am concerned about identity theft with Veteran United. I want to be made whole. I want this mortgage inquiry removed from all XXXX credit reports ; XXXX, XXXX, and XXXX. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: IL
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 'm entitled to a method of verification as I have asked for and if they are unwilling to provid e one the inform ation must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.

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 2022-07-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX Owed : {$580.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance Owed : {$580.00} ; XXXX  XXXX Balance Owed : {$210.00} ; XXXX  XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-11-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score and has caused inaccurate recordings on my credit file. Reporting is an installment loan of XXXX last updated on XX/XX/XXXX, an installment loan of XXXX last updated on XX/XX/XXXX. Also Navient is reporting an credit card balance of XXXX last updated XX/XX/XXXX Navient is reporting inaccurate account types that complicates my credit file to myself and other creditors. I am in the middle of financing and their frequent updates are detrimental to this process. For one I was in forbearance and was still receiving mail to make payments. Navient was also reporting late payments during the times of my forbearance in XX/XX/XXXX. I want all loans older than 6 years off of my credit report, as that is more than the SOL for my state. I need this done immediately, as Navient is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Account number # XXXX Balance {$2600.00} I do not remember opening this account so I ask the creditor to show me the original contract end all the information they have like Payoff disclosure and Interest rate disclosure original contract Credit insurance payment history interest rate disclosure and they can not provide it so I am asking all three credit bureaus to delete this account. And to respect my rights my rights are being violated so I am asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Account number # XXXX Balance {$2600.00} I do not remember opening this account so I ask the creditor to show me the original contract end all the information they have like Payoff disclosure and Interest rate disclosure original contract Credit insurance payment history interest rate disclosure and they can not provide it so I am asking all three credit bureaus to delete this account. And to respect my rights my rights are being violated so I am asking for 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 non-monetary relief
Consumer complaint received 2015-12-21
Company: Paypal Holdings, Inc
State: IL
Product: Credit card
Issue: Other

Complaint:
I CONTACTED YOU REGARDING AN INQUIRY INTO MY CREDIT FILE BY XXXX PER MY CREDIT REPORT WITH XXXX. THE REPORT STATED THAT IT IS REGARDING XXXX THE FILE NUMBER WHICH YOU ORIGINALLY ASSIGNED TO ME WAS XXXX FOR THIS CASE. YOU NEEDED MORE INFORMATION AS TO THE COMPANY 'S NAME. THE SAME DAY THAT I CONTACTED YOU TO RE-CHECK INTO THIS CASE, UNFORTUNATELY, WAS THE SAME DAY THAT THE FILE WAS CLOSED- WITHOUT THIS BEING RESOLVED. AS I STATED IN MY ORIGINAL COMPLAINT, I HAVE NOT APPLIED FOR ANY CREDIT CARDS FROM ANYONE IN 10-PLUS YEARS. I WAS ONLY ABLE TO FIND OUT INFORMATION ABOUT THIS COMPANY BY VISITING A WEBSITE CALLED XXXX. THIS SEEMS TO BE THE FRAUDULENT WAY THIS COMPANY OPERATES- PULLING PEOPLE 'S CREDIT REPORTS WITHOUT THEIR PERMISSION. I DO NOT HAVE ANY OTHER INFORMATION ABOUT THIS COMPANY. THE NAME FOR THEM AS LISTED ON MY CREDIT REPORT IS XXXX. THEIR PHONE NUMBER IS ( XXXX ) XXXX. I FOUND THIS INFORMATION OUT ABOUT THEM VIA THE WEBSITE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EdFinancial Services
State: GA
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:
EDFINANCIAL is XXXX After asking for a refund on the payments we made during the pandemic pause we are being told it will be ATLEAST 5 months till we receive our refund back. 5 months!!!! 

When we call back to confirm refunds have started to process they are not finding any records of us calling and requesting the refund that we sat on hold for for 3 hours to request. 

Edfinancial is LYING to borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: LEXISNEXIS
State: AZ
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 have a Civil Judgment on my LexiNexis report. This judgment has been vacated by the court in question 9 months ago. The report still reflects that judgment as active without any notice of it being vacated. I submitted the dispute in XXXX of 2022 and just got a letter stating that all the data is being reported accurately. I checked and nothing was fixed. This mark is ruining my chances at any rental application.

Company response to consumer: Closed with explanation