BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: Capio Partners, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have had a freeze with Experian since XX/XX/2023 and all of a sudden today my credit score dropped XXXX. I have not opened a new account since 2023, finished any kind of application to apply for a mortgage or done anything to deserve a drop this severe. This is the " answer '' on Experian 's website to what is hurting my credit score : Lack of recent non-mortgage loan information HURTING You have a lack of recent activity from a non-mortgage installment loan. 
Your credit report shows a {$0.00} balance on your non-mortgage loans ( such as auto or student loans ) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0 % installment loan balance to loan amount ratio is considered slightly more risky than having a low installment loan ratio. 

It does not list any hard inquiries or other accounts being open, and if so how did they get past my freeze?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, and Transunion will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.

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 2023-04-24
Company: MOHELA
State: MA
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:
On XX/XX/XXXX  I contacted Mohela to request a refund on my payments made during the XXXX pause. I was told this would be filed and I would receive the refund within 60 days. I called back a week later to confirm it was submitted, and was told that as my payments were made with XXXX prior to Mohela, my refund would take 60 days. As of XX/XX/XXXX  I have not received this refund. 

On XX/XX/ I submitted a written requested via Mohela for a payment history. On XX/XX/ I was told I would receive this information within 30 days. As of XX/XX/ I have not received this payment history document. 

On XX/XX/XXXX  I contacted Mohela to follow up about the status of the refund requested on XX/XX/XXXX  and I was told it is now 90 days, not 60 days for this refund request. During this call I also requested the status of my written payment history request from XX/XX/2023 and I was told this is now 60 days, not 30 days for this request. 

I have been given a different timeline each time I follow up about the status of my financial situation with Mohela. They are inconsistent with what information they are giving their consumers and this information should be transparent from the beginning, which it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my credit reports and found that Transunion is reporting a negative collection account I have no knowledge of, did business with, or gave permission to furnish any information on my credit file. This isn't the first time Transunion has violated my rights as a consumer and placed false information on my credit report. I was not provided any written validation or verification from either Transunion or XXXX, XXXX providing proof of any of these claims. So why is this on my credit file? The alleged debt collection that's reporting is from XXXX, XXXX for {$120.00}. I do not consent to this information being placed on my credit file and I do not owe a debt to ANYONE. I mailed Transunion a detailed letter via certified mail demanding they provide me complete proof of verification and the steps they took by law to verify this debt is mine. I have not received a response as of yet.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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've been a victim of identity theft since XX/XX/. I've habitually sent XXXX and Transunion multiple fraudulent inquiries that are listed on My Credit Report via an updated Identity Theft Report through the Federal Trade Commission and they have refused to delete these inquiries.

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 2020-03-21
Company: Lending Club Corp
State: TN
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:
Lending Club made unauthorized credit inquiry. I did not input my social security number but received email from XXXX with my current score and account information. 

Lending Club ADD BELOW See Your New Rate Hi XXXX, We're giving you this opportunity to pay down high interest credit cards, fund a home improvement project, or make a major purchase. 

Lending club email request to inquire about the loan interest rate. I didn't input my social security number into the system nor did I approve the credit pull. I received notice from TXXXX with my personal credit score and account information. Please remove the inquiry from all credit reports. 

Below is the information provided by Lending Club to prompt the inquiry. 
With a personal loan through LendingClub, you can borrow up to {$40000.00} to meet almost any financial goal. Loans through LendingClub feature : A fast application and deposit to your account Flexible loan amounts and terms Low, fixed monthly payments No penalties for early repayments It takes less than 2 minutes to check your rate online, with no impact to your credit score. * Click below to get started!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: CL Holdings LLC
State: LA
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:
I retrieved a copy of my credit report and found a new collection account listed. Jeff Cap Sys hasn't contacted me via email nor mail to inform of this new account which is a violation of the fdcpa law. Also, they are reporting a monthly obligation of XXXX on a collection account with a balance of XXXX which I have never spoken with this company to agree to any type of monthly obligation. I've requested Jeff Cap Sys to validate this file showing I owe the amount they're reporting to my credit every month but I haven't received a response. I don't owe this debt and this company is intentionally breaking the law by reporting a monthly obligation for a collection account. I'm needing assistance with holding this collection agency accountable for breaking several consumer reporting laws. You can not report a collection as an open account with a monthly obligation and you guys won't validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Their investigation did not fix an error on your report

Complaint:
Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of XXXX. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing a bankruptcy on my credit report for a about 18 months now. I've contacted the courts and other third party public records company like XXXX XXXX and had this issue resolved. I've contacted Transunion on several occasion about this matter to no avail. Their actions are very harmful to me as a consumer and break several federal laws. As you will see from the documents I provided this item could not be verified as accurate from the furnisher as stated by Transunion 's response letter. No investigation was conducted is this matter my Transunion.

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 2023-02-27
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: Personal information incorrect

Complaint:
I have contacted in multiple with occasions XXXX, XXXX, and Equifax to dispute inaccurate personal information on XX/XX/23 and to get that information removed and they refused to remove it. 

According to 15 U.S. Code 1681, I did not give written permission furnish anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Nelnet, Inc.
State: VA
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:
In accordance with the fair credit reporting act this creditor, Department of Education/Nelnet has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: GreenSky, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My complaint is Greensky llc, the company the CFPB issued a consent order against.A failed waterproofing job by XXXX is my connection to Greensky. Installation XXXX, their work and eguipment failed ( sump pump ) XXXX weeks later someone came out, rep could not diagnose problem spent more time on phone with manager than speaking with me and my wife, never heard from again, I stopped making payments, when XXXX stopped working {$1500.00} so far. I never contacted XXXX again, I informed Greensky of situation I assumed they contacted contractor and they made a surprise service call after XXXX weeks, I did not allow them in because all faith loss in XXXX XXXX employees quit during my job including the initial rep that wrote the work order job knowing he had a new job or at least had applied, in a month he had quit company before my installation.Quoting from a class action law suit " Greensky is a rent a bank scheme giving the actual lending power to the contractor ", quoting " never take a loan with them they let the 3rd party business keep the money and you get your credit decimated, the 3rd party keeps the money for doing nothing ''. This is what I just experienced Greensky letting XXXX keep the money in my case for making situation worse. {$3000.00} spent on replacement supplies ( Sheetrock, molding, paint, insulation, labor etc. ) I do not not want my credit decimated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not understand if I had a balance at the time of charged off of balance of {$1400.00} was due on the account at the time of PRA 's purchase. how do I owe more than 3k

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
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 information incorrect

Complaint:
Equifax sent a response stating " Equifax will not respond to this complaint via the CFPB portal as we suspect it may have been submitted using a credit repair company. '' I submitted my complaint myself. I am not a credit repair company. It doesn't matter what verbiage is used. If I ask specific questions, it is my right to get the answers. Equifax does not want to send a response via the CFPB portal because they don't have answers to specific questions that I'm asking and they don't want the CFPB to know this. All they are going to do is do another " Investigation '' and send me a letter saying the items were verified. I spoke with a representative from Equifax and he stated that during this " Investigation '' they send a message electronically to the original creditor and ask them to verify the balances. THAT'S IT! That's not an investigation. That's only my word against theirs. Again, I want to know who at Equifax performed this investigation, what documents were used to verify the items, and what is that Equifax employee 's phone number? You can't verify something and not show me how you verified it. Provide the information that I asked for or remove the items IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: LA
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 fourth 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. 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00}

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 non-monetary relief
Consumer complaint received 2019-03-25
Company: CITIBANK, N.A.
State: MA
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:
Received " your card won't be reissued '' letter dated XX/XX/XXXX from Citibank " due to a bankruptcy or a charge-off '' Phoned Citibank, they say they can not say reason, and to check XXXX. 

Credit reports from XXXX and XXXX show no problems, but ask about an " auto loan '' dated XX/XX/2016 as part of verification. We never took out such a loan.

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 2023-04-24
Company: EQUIFAX, INC.
State: MD
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've been a victim of identity theft since XX/XX/. I've habitually sent Equifax and XXXX multiple fraudulent inquiries that are listed on My Credit Report via an updated Identity Theft Report through the Federal Trade Commission and they have refused to delete these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had an appointment today at XXXX for a notary to come to my house so that my wife and I could sign the refinance paperwork. The Loan Coordinator assigned to me, XXXX XXXX failed to make certain that all documents were ready for the notary. I received a voicemail at XXXX from the notary indicate that shes does not have the loan packet ready for today. Please note that today marks 90 days since I began my refinance with this company. I have complied in a timely manner and feel as if they are negligent in assisting clients. Please assist me with this matter. I have called and left voicemails, and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation