BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: WA
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 repeatedly provided PROOF from DCS that shows that all accounts are closed. XXXX, Experian and XXXX continues to tell me that the creditor shows and account open. Why are the credit bureaus are violating to FCRA? I have the documents proving that this account is closed. I paid all accounts off in XX/XX/2022 and DCS/XXXX provided me with proof that these accounts are truly settled. My credit report show that it is open and that the creditor verified that it is so. NOT true. These bureaus are not looking at my documents because if they were they would know that these account are closed

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 2022-07-12
Company: Experian Information Solutions Inc.
State: MO
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 not satisfied with the way the Credit reporting Agencies dis their investigation. The Accounts I am disputing was never corrected and are still reporting erroneous information in my Credit file. The following accounts are inaccurate and is leading to a negative effect on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting them to take their time and conduct a proper investigation to verify the accuracy of these accounts and correct any inaccuracies. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX : {$0.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX  XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00}

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 2022-05-25
Company: EQUIFAX, INC.
State: WA
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 repeatedly provided PROOF from DCS that shows that all accounts are closed. XXXX, XXXX and Equifax continues to tell me that the creditor shows and account open. Why are the credit bureaus are violating to FCRA? I have the documents proving that this account is closed. I paid all accounts off in XX/XX/2022 and DCSXXXX provided me with proof that these accounts are truly settled. My credit report show that it is open and that the creditor verified that it is so. NOT true. These bureaus are not looking at my documents because if they were they would know that these account are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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'm reaching out today to file a complaint regarding an incident of identity theft that I've experienced. After conducting some research on how to address the fraudulent inquiries on my credit report, I discovered that I need to visit https : //www.ftc.gov to file an identity theft report. According to FCRA section 605b, Credit Reporting Agencies are mandated to remove and block any inquiries that are listed on an identity theft report. I have also attached the necessary documents to aid in the removal or blocking of this inaccurate information that is currently appearing on my credit report. Below, you'll find a list of inquiries that are not associated with me or were opened without my consent : 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. 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 an 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 2023-06-26
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 I was going to open a CD at Marcus by Goldman Sachs Bank USA for their advertised 10 month CD with a rate of 5.05 % that had an OFFER EXPIRATION of XX/XX/2023. However, now when I go to claim that advertised rate, Marcus has changed the offer and will not honor the advertised rate, despite being clearly before its expiration date, in violation of U.S. law on offers and advertisement. You can not offer an advertisement with a specific expiration date then choose to not honor that offer when someone comes to accept it before the expiration date. I called Marcus to see if they would honor it and was flat out told no by two different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$86.00} OFF LEASE ON XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.

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 2023-10-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Non Response Letter. I submitted documentation for Equifax to remove all inquiries and XXXX XXXX XXXX because I did not signed a contract with them on XXXX XXXX. I received a letter from Equifax on XX/XX/2023, XXXX hours later stating that the reinvestigation was completed and everything will remain on my credit file. Equifax did not do a proper reinvestigation into the items I disputed. I have requested a method of verification documents under Section 611. I have requested a proper reinvestigation of the disputed items on my credit report. Under Section 609, I requested all information Equifax have on my file. Under Section 610, I have provided all the proper identification that is required for me to get the information. Under Section 609, I have requested copies of all documents that Equifax used to verify these accounts were accurate. I have respected to receive a response within 15 days of this notice I sent earlier this month. I never received a response from Equifax, which is a violation of my rights. I sent this letter by certified mail to all CRA 'S. There was no XXXX digit dispute code to reference what I am trying to dispute. My suffix name is not XXXX. Which is another violation, and wrong address. If accounts are still on my credit report, I will send a intent to sue on the violations of Section 609, 610, and 611.

Company response to consumer: In progress
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-07-12
Company: Experian Information Solutions Inc.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2021-02-11
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 previously disputed an account for inaccuracies with all three credit bureaus as 95 percent of the information from all bureaus were different. This notice was received by Experian on XX/XX/XXXX, XXXX via certified mail. I then received a copy of my dispute results from Experian stated that my account was updated, no changes were listed. I then mailed a method of verification letter. This letter was received XX/XX/XXXX, XXXX by Experian XXXX On today XX/XX/XXXX, I received an alert that my dispute was completed and that the results were generated. Upon signing in my results were unavailable, per Experian website Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. I contacted Experian and spoke with a representative by the name of XXXX, this representative told me that the only thing that had been done to the updated account was the remarks were removed. I asked XXXX, were my concerns addressed. Per my dispute letter, I asked for the method of verification to ensure the accuracy of this account. Per XXXX, Experian can not give me that information. And that I would have to reach out to the creditor. I asked what method did Experian use to update my account. I was told that the creditor tells them to either update or remove the account. I stated, in order to investigate something ; you must reach out to the creditor and they should provide verifiable proof that the information that you are reporting is 100 percent accurate. I then asked to speak to a supervisor to better explain the situation. She left me on hold and returns and stated that the supervisors are all unavailable. I asked would the results of my disputes be mailed to me as the are unavailable online, I was then put on hold once again. She comes back to the phone and says that the results can not be regenerated. Confused, I said that I never received the dispute results and asked could a supervisor return my call. The representative then ended the call. This is not the way that any company should have handled this situation, Im asking for information to be thoroughly reviewed for accuracy and provide me with this proof or remove this account from my credit 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 2023-01-16
Company: WELLS FARGO & COMPANY
State: IN
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: Problem with personal statement of dispute

Complaint:
Wells Fargo worked out a payment arrangement when they added deferred interest on a charge account for a furniture store. They agreed to waive interest and allowed us to pay the XX/XX/XXXX payment by XX/XX/XXXX. They assured there wouldnt be any late payment reported on credit report. However they did report report after the account was paid in full the first week of XX/XX/XXXX prior to the date they set. My wife and I called them several times with assurances they would take care of it removed from all three credit bureaus. Each time we received a letter stating they must report to credit bureaus due to being compliant. No one would get us in contact with the department that will remove it. They only would say they would have it removed by the department. We have submitted disputes with all three bureaus with no luck several times. I know its our word against theirs but I assure you the truth is they are in the wrong. We are trying to get a house for our family and when this first hit my credit report it dropped me just shy of 100 points. Im told that once the 30 day late is removed it will jump my score 60-80 points and will allow for the lowest rate possible. Im pleading for you to step in and have this 30 day late removed from my report on all 3 bureaus. 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 explanation
Consumer complaint received 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had an auto loan with Capital One for 5 years and have never been 30 days late. In XX/XX/2017, I mailed a payment at the post office that was intercepted and cashed by an individual I do not know. I was not aware of this until a month or so later when I received my next statement. Nobody at Capital One called me to notify me that I was late. As soon as I became aware I filed a police report and a report with the postal service. I also immediately sent payment to Capital One to catch up on my debt. I notified Capital One via phone and mail that this was a fraudulent event and that I had the copy of the check and police report to prove it. I sent them copies of both. After nearly a year of complaining to several people in the company, including sending certified letters to XXXX XXXX and XXXX XXXX, I have been completely ignored other than a CSR telling me there is nothing that can be done and a letter stating the same. Capital One is violating my rights as a consumer to be protected against fraud. After 5 years of making timely payments, they reported me late when they knew it was a result of fraud. As a consumer, it is nearly impossible to get this situation remedied because they refuse to allow you to have contact with anyone who has the ability to rectify the problem and send out blanket letters in response to everything. Capital One does not protect their consumers who are the victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, Last year I filed a complaint using Dept. of education and CFPB about this exact issue and while it seems that Dept. of Education 's explanation of COVID federal student aid relief was incorrect ( as was my own state Senator 's ) the combined complaints got NAVIENT to actually pay attention to my current IDR and got off my back and stopped falsely reporting missed payments ( considering you can't miss a payment if your payment is $ XXXX ). 
It's just frustrating that my IDR was good till around XXXX or so and I just recertified yet NAVIENT started asking for repayment before that and ignored my contact attempts to remind them that I'm up to date. And I just submitted my new one with the paperwork for my income- I'm literally making about $ XXXX currently and that barely covers my {$800.00} in rent and I did have food stamps but currently Oregon has a massive backlog on recertifying so I don't even have that right now. Like do I have to go down in person and submit this income verification!? And why did they just stop at a random date on my IDR? On my end I show a completed IDR done end of XX/XX/2022 and I started getting payment requests in XXXX. They are super difficult to deal with and seemingly just ignore or my verification stuff just " vanishes ''. 
The worst part too is that their negligence resulted in a massive ding to my credit which ended up costing me a really good place to live! I'm currently staying friends who are getting a divorce and will likely sell the house in XXXX and while I'm working on job certifications and training to move into better paying jobs I need around another half year of studying and training but now I have to worry more about finding suitable living arrangements by XXXX and that puts me in a really bad position now. Had my credit score not dropped by XXXX points I would've been in a home with a better rent situation for myself, closer to work and on an actual 1 year lease with agreements not to raise rent ( the homeowner was actually very kind ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: VW Credit
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My automobile loan payments to VW Credit were set up to be drawn automatically from my bank account. The final payment was due on Monday, XX/XX/2022, so I logged in to my loan account that day to confirm that it had been paid. It had not been withdrawn yet, so I waited until the next day and tried again. On the day after the payment was due, my account login information didn't work. I called VW Credit and was informed that when the account was paid in full, they disabled my account access. This is idiotic and infuriating, but didn't seem worth filing a complaint. 

Then they sent me an email to inform me that they had sent me a secure email that I could read only by logging into my account. I thought this meant they had realized their error and reinstated my account, but my account login still didn't work. I called the company and they admitted that my account is closed and that there is no way for me to access my payment information or the secure message they sent me. 

After paying VW Credit promptly for 5 years, they have locked me out of any access to my payment history. If they failed to report my payments accurately to the credit bureaus, I will have no way to obtain the records I need to correct my credit report or gather payment information for my personal financial records. Not only is this policy absurd and annoying, it leaves customers without access to their personal financial records. 

In my calls to VW Credit, I already informed them that I will never purchase another VW if this is an indication of how little they value their customers, but this is an abusive credit practice that really ought to be changed. Perhaps the CFPB can explain that to them in monosyllabic terms that even VW Credit can understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX debt collections keeps sending my letters and reporting false information stating i owe a medical debt i have sent several letters asking for validation but yet i have not received correct documents

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