BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
.Legal Procedure for Disputed Information under XXXX XXXX Code XXXX, CFPB Guidelines, and Consumer Protection Laws : Alleged Non-Compliance by Experian and XXXX XXXX XXXX legal landscape surrounding disputed credit information, collection practices, and charge-offs is multifaceted, encompassing federal statutes, regulatory guidelines set by the Consumer Financial Protection Bureau XXXX CFPB XXXX, and consumer protection laws. The recent allegations of non-compliance by Experian and XXXX XXXX in relation to these laws have cast a spotlight on the intricate interplay of these regulations. 

Section XXXX of XXXX XXXX of the United States XXXX outlines the mandatory steps for addressing disputed credit information. Simultaneously, the CFPB enforces regulations aimed at safeguarding consumers ' rights and ensuring fair credit reporting practices. The alleged actions of Experian and XXXX XXXX, if verified, could potentially run afoul of these legal requirements, compromising consumers ' trust and rights. 

It has been asserted that Experian may not be upholding its obligations with the necessary diligence, potentially infringing upon provisions set forth under the Fair Credit Reporting Act ( FCRA ). Moreover, the purported refusal by these credit reporting agencies to acknowledge disputes submitted by individuals might contravene the FCRA 's intent of addressing consumer concerns. 

The following account details, along with corresponding account numbers, have been implicated in these disputes : Account name : XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Amidst these allegations, it is imperative that individuals facing credit inaccuracies, collection actions, or charge-offs familiarize themselves with their rights as outlined in various consumer protection laws. By seeking legal counsel, individuals can ascertain the veracity of these claims and explore potential legal avenues for remediation. 

In light of the comprehensive legal framework in place, it is essential that Experian, XXXX XXXX, and all entities involved in credit reporting adhere to their obligations. Upholding the FCRA, CFPB guidelines, and broader consumer protection laws ensures not only the accuracy of credit information but also the protection of consumers ' financial well-being and rights.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2023-08-09
Company: Experian Information Solutions Inc.
State: NC
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  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation 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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There are several things wrong with my credit and I am attaching al letter detailing all of these items. Wrong employers and personal addresses in the past. Inquiries that I did not authorize charge off 's late payments and accounts I do not recognize and want validated

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 2022-05-31
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:
I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have information passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including an updated ID THEFT REPORT # XXXX once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Remove the following fraudulent information completely from my Credit File : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$850.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$5400.00} ; XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$4500.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: ERC
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 A DIRECT RESULT OF IDENTITY THEFT. XXXX XXXX IS REPEATEDLY REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. NEXT ACTION TAKEN WILL BE LAWSUIT AGAINST XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am not liable for this debt with XXXX XXXX XXXX as I do not have a contract with XXXX XXXX XXXX. They did not provide the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I demand this be removed from my credit report as it is in violation of the FCRA.

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 2022-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
CFPB XXXX Bank of America, On a recent pull of my credit report I see Bank of America has an unauthorized hard credit inquiry on my credit report dated XX/XX/2022 I would like removed. 

Attached with this complaint are : - my drivers license - my social security card - my mailing address - my written complaint - Proof of where its located

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 non-monetary relief
Consumer complaint received 2020-06-11
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The Online Collections agency did not send me any notices until I put in a change of address from a former address after my XX/XX/XXXX XXXX stay. Online only has ever informed me ( in writing ) that the group they represent is XXXX XXXX XXXX of California. Upon receiving their Notice in early XXXX, I disputed. I researched with the XXXX XXXX XXXX XXXX my records from the date of Service being claimed by this collection agency. There was and is no record of the physician group online says they are collecting for. I called online more than once and sent them a letter asking them to please provide me the billing office information so that I may obtain the proper ICD 9 and CPT codes to submit the bill to my insurance. 

The hospitals providing services has contracts with preferred providers which require that they obtain the proper patient and billing information from the hospital 's billing office. The doctor performing services submitted his billing to his COMPANY, not my insurance and further billed me as a self-pay patient. I was in a coma and unable to speak for myself ; the patient advocate clearly remembered my case and hospital stay and has been very helpful in bringing me to the beginning of a resolution. 

1. Online collections knowingly provided false information for the doctor group initiating the claim. This agent used the fact that I wanted insurance to pay as my " refusal to pay '' the amount owed. 
2. Online collections is billing for the incorrect amount due. The patient advocate for the hospital helped me find the true provider that matched the hospital contract for physicians at the time and was able to verify that XXXX, XXXX phone XXXX is the billing service for the physician seeking payment. Further more as of XX/XX/XXXX XXXX is in receipt of my insurance billing information and will submit a proper bill to be paid. 
3. Because the physician performing services submitted an initial incorrect bill and there were no billing protocols prior to collection attempting to collect followed I find this matter to be improperly placed in collection services and therefore fraudulently affecting my credit. The amount of the original billing is incorrect and so the collection matter should be removed at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: PNC Bank N.A.
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:
This is a complaint against PNC Bank for their abuse of authority, delayed handling of the transaction to the customer 's detriment, and poor communication regarding a consumer/vehicle loan. I believe PNC Bank abused their authority by REJECTING a loan payoff check submitted to them from the XXXX XXXX XXXX XXXX who purchased the vehicle from me. PNC returned the payoff check ( {$39000.00} ) to the XXXX XXXX two separate times without just cause, without explanation, WITHOUT INITIATING ANY REASONABLE REMEDIES, and without informing the customer. The vehicle was sold on XX/XX/2021. The XXXX XXXX contacted PNC for a payoff on XX/XX/2021. The dealership mailed the payoff check to PNC which they received on XX/XX/2021. We learned later that the payoff amount was apparently short by {$270.00} to close out the loan. Instead of accepting the initial check from XXXX and requesting the remaining balance due ( probably for Per Diem or Late Fees ) from XXXX or from me, they returned the check!!! I wasn't even made aware. I learned about this only after I went to PNC on XX/XX/2021 to talk to XXXX XXXX at the XXXX XXXX XXXX XXXX, XXXX. There was back and forth on the phone between XXXX XXXX, PNC Loan Service Center, and me on, in short, whose fault it was on the incorrect amount of the payoff? Was it PNC 's fault or was it the Dealership 's fault on the correct amount of the payoff? I was charged daily interest, per diem, late fees, and possibly negative credit reporting from XX/XX/2021 to XX/XX/2021. Was this the customer 's fault? I also want to report two PNC employees who were not helpful during this process. One is XXXX XXXX from PNC Bank Retail Support who initially reached out by email on XX/XX/2021 from my consumer complaint, however she did not follow up after that. She promised to " research '' the phone records between PNC Bank and XXXX XXXX XXXX to resolve whose fault it was on the payoff amount, but I received no follow up on the results. She did not return my phone calls or reply to any of my email messages or texts. She went silent. The other PNC employee is XXXX ( don't have last name ) who repeatedly called me to harass me about making the monthly payments even after I informed him that the vehicle was sold and we are working on the payoff. Through some misery and several hassles, PNC Bank finally accepted a new payoff amount of {$39000.00} as of XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: General Motors Financial Company, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is the 3rd time I have disputed a serious error with GM FINANCIAL # XXXX over a lease agreement that was satisfied and completed before the said date yet was WRITTEN OFF AND STILL reporting as late payments over a year later even though the account was PAID IN FULL and CLOSED it is not accurate. I have spoken to a financial manager and requested several times for the account to be updated properly with no response. I have no other resolution but to exercise my right to a lawsuit, I am looking to avoid this action if it can be fixed today as soon as this is complaint has reached the credit bureaus. I still have issues with a fraudulent account showing from XXXX  XXXX # XXXX, XXXX  XXXX XXXX #  XXXX, XXXX XXXX XXXX  # XXXX. 
i HAVE FILE A REPORT AND AM WAITING FOR A UPDATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which 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. The items listed below were not mine : 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 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2021 I sent letters informing XXXX XXXX and TransUnion of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX XXXX  and TransUnion another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship for us can you please investigate.

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 2023-10-13
Company: Nelnet, Inc.
State: IL
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:
Nelnet is my student loan provider. I applied for the SAVE income-based repayment plan on their website as well as the government website on XX/XX/XXXX. It has been over 30 business days and they still have not processed the application. 3 weeks ago, I called, and after waiting over an hour, they said that it would be processed shortly and that never happened. 

This is causing me a significant hardship as my balance continues to grow due to interest. One of the benefits of the SAVE plan is that my balance will not grow as long as I make the required minimum payment. I have already incurred a significant increase in my balance due to Nelnet 's delay in processing my application, as it has been over 30 business days, or 5 weeks. 

I am just requesting that someone contact them and have them expedite my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written Waypoint Resource Group multiple letters asking them to identify themselves and to give purpose for why they are reporting to my credit. Waypoint has failed to respond to any of my requests for validation. I am a consumer, and the FCRA grants me the right to request validation from a creditor for an account on my credit. They have failed to meet the obligation set forth before them. I also have the right to dispute a debt pursuant to the FDCPA, and they have failed to respond to my dispute, and have continued to report said disputed debt, which they can not validate. They are directly in violation of these two laws that were written to protect me! please use your authority to help any way you can!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint has to do with Flagstar Bank. My checking account was compromised and return checks on my mortgage had occurred. So I was only required to pay with cashier 's check, by mail. When I sent in my cashier 's check of {$750.00} to Flagstar Bank they lost my cashier 's check and I missed my mortgage payment. They reported me to the credit bureaus for missing a payment. Since the cashier 's check was not cashed, I sent a new one and finally the payment posted. 

I've had so many problems with this bank. They also have to ask you ( 5 ) - ( 6 ) questions every time a person calls in, and then many of the employees are not educated enough to appropriate answer the question or route the call to the correct department.

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