BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A payment of {$520.00} was due on XX/XX/2023. It was set to auto draft from my bank account. There was not enough funds at the time so the payment was returned. To cover this, a payment was made on XX/XX/2023 for {$550.00} to cover the XX/XX/2023 returned payment and a late fee. The next payment of {$520.00} was due on XX/XX/2023 and paid on XX/XX/2023. The next payment due was XX/XX/2023 for {$520.00} which was paid on XX/XX/2023. 

I am being called by collections who state my account was not up to date due to the returned payment XX/XX/2023 despite my records and theirs reflecting the aforementioned payments. The last statement I got from the collector was that I was charged double because it was returned. This is not true. I am up to date on my payments, yet they are trying to collect a phantom payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported this information : U.S. BANKRUPTCY COURT XXXX XXXX CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX Phone : XXXX Type : :XXXX  XXXX BANKRUPTCY XXXX Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score

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 2023-05-25
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Ever since the transition from XXXX XXXX to Goldman Sachs its been a nightmare for me. Last year XXXX I called to get my legal name on my billing statements because Im a " XXXX '' with a suffix and statements were being opened by my dad. After finally contacting someone by phone to make that clear my billing statements stopped for around 3 months. So I never received a statement. I was in agreement with XXXX XXXX for " hardship '' and my monthly payments were supposed to be {$40.00}. I have tried over a year to resolve this with every specialist saying " they will note my account and someone will reach out. '' Only one person has in over a year and I was on my way to work and told her to call me back the next day. She never did. I get harassing phone calls and inaccurate emails daily and weekly. It has created a balance, interest and credit reporting inaccuracies. I just responded to an inaccurate email today and spoke to another specialist and told her to note my account that I am now filling a complaint yet again with the CFPB seeing how nobody wants to help resolve this..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance. 

Please provide physical verification, method of verification, and validation of debt for this account.

CREDIT ACCEPTANCE CORP # 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 2021-04-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since XXXX on this account which means the account was not investigated but said to have been verified and continues to report on Experian and XXXX. XXXX XXXX XXXXXXXX XXXX hasnt responded to the dispute and failed to launch an investigation into this account within XXXX  days which is required by the Fair Credit Reporting Act XXXX XXXX. Experian and XXXX  are reporting different information, one shows the account has been sold to XXXX XXXX and another shows its has not been sold. In XXXX of the attached photos you will see That XXXX is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. XXXX XXXX XXXXXXXX XXXX has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
XXXX XXXX XXXX This account is well over the reporting period, Account was closed back in XXXX But still reporting on credit profile with last payment showing XXXX. 

Please see screenshot for reference. 
Original amount XXXX XXXX amount : 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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 fair credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC Section 602 states : I have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account

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 2020-08-11
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
There was one missed payment and they charged an additional {$60.00} Fee on Top, and told me that I had better come up with {$300.00} otherwise it was going to collection. I borrowed {$700.00} and wasnt told up front that it was 480 % interest!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried to connect my PNC bank account to several different financial services all of what use XXXX  on the back end. Every time, PNC blocks the connection. other bank accounts with other banks that I have do not exhibit this issue, and XXXX has made it clear that PNC is deliberately trying to block their access. The same is true for work that my company has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-08-11
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:
Certified mail was sent to credit agencies requesting Validation of Debt,  Method of Verification used. For the following accounts and information was never received : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX SXXXX XXXX XXXX OH # XXXX TXXXX XXXX XXXX XXXX # XXXX Please provide Assignment of Debt, Validation of Debt, Method of Verification used for the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX-XXXXXXX

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 2023-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. 
I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 lender must send a notice that the property was sold must give the date, time, and location of the sale. A defiency letter i never received please provide date in time stamped of items being mailed Request a 1099-c or 1099-a .I never received proper notices show proof mailed sent in received.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the date last updated shows XX/XX/2023 on TRANSUNION, XX/XX/2023 on XXXX and XX/XX/2023 on XXXX Delete this charge off account XXXX XXXX XXXX XXXX for inaccuracy Because the original balance shows : XXXX on TRANSUNION, XXXX on XXXX and XXXX on 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 2021-06-10
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our house and Escrow team contacted SunTrust Mortgage for final pay off amount on XX/XX/XXXX. We got the amount details and Escrow team paid off in Full on XX/XX/XXXX. However, there was auto payment scheduled that night and an amount of XXXX $ with drawn from my checking account on XXXX. 

When i contacted initially, they agreed that autopayment was not cancelled and they will refund the amount ( XXXX ). 

When i called them 2 weeks later, they said that amount was adjusted to my loan. I asked them how could they adjust that amount to the loan after i got the pay off amount including all taxes, etc. 

There is no proper answer to that, and the Reps keep forwarding my calls from 1 team to another or keep me on hold for several hours. I asked them to send every single payment i paid from the beginning and how this XXXX $ amount missed in their pay off calculation just 2 days before. No response to that.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. I sent Trans Union, XXXX and XXXX all my FTC report back on XX/XX/XXXX and havent received any response Under the FRCA they had to block information from my CONSUMER report and FAILED TO DO SO within the 4 days of receiving my letter. I have over 30 INQUIRIES WHICH I DID NOT Commit nor gave my authorization so they are unauthorize!

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 2020-11-15
Company: Danco Financial Services, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-05-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, and Good Evening! Listen, i was going through my credit again and noticed a collection from XXXX. Looking closely at this account the way it's reporting, i've seen several and multiple innacuracies with the way it's reporting to all the 3 credit bureaus ; such as : wrong reporting date, open date, date of last activity etc. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Again, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please  evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f  ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation