BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: IQOR US INC
State: CO
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:
I got a call from Allied Interstate LLC. Asking to get set up on payment plans for my Federal Student Loan. I was told that the payments I made go directly to my Student Loan. I started making payments of $ XXXX per check twice a month. As my pay scale increased over the years so did the amount that was taken out. At the highest I had {$250.00} twice a month taken out. After XXXX years of it coming out of my checking account it came to about $ XXXX {$28000.00}. I have called Allied Interstate company several times and was told that they no longer hold the account, and that they couldnt tell me the total that I had been applied to the Dept of Education. Other times I had called the phone would just ring then end the call. At one point they had a message on it saying if we had an account with them they no longer hold it and we need to contact the Dept of Education. Once I call the Dept of Education they reported to me that I had not paid a cent on the loan. I asked how could that be as I had it taken out of my checking account for XXXX years. I went on to Allied Interstate web page only to find that they are a third party which is what they told me. But I was told it was all being applied to my student loan. My loan was {$41000.00}. I paid it every 2 weeks from my payroll checking account. Dept of Ed informs me that they dont use a third party to collect student loans. This started in XXXX. Please help me get my money back from Allied Interstate Company. 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 2022-11-02
Company: Experian Information Solutions Inc.
State: GA
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:
Open Date XXXX XXXXAccount number XXXX account name- XXXX XXXX XXXX XXXX XXXXAccount number-XXXXaccount name XXXX XXXX XXXX These account is reporting error and have not been properly verified which this matter is a violation of my FCRA 605B ( 15 U.S.C. 1681c-2 ) I also have loan closed Student loan accounts that are reporting closed with a owed balance which is also a error and I have sent in dispute letter twice now which no update and validation so please verify all closed student loan accounts there should be no closed account with a balance on it. This is inaccurate reporting therefore please remove these accounts off my credit report and update it due to my FRCA 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 2022-12-21
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:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: AL
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:
Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: ENCORE CAPITAL GROUP INC.
State: HI
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:
Midland Credit Management Atten : Consumer Support Services XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, I have recently received that Midland was zeroing account in their office that was falsely reported to consumer report. Since 2019 I have written proof of Midland refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they have started they had proof I owed anything to Midland. I have requested Midland 's contract with XXXX XXXX XXXX  as I know that company purchased that debt that " been written off and was attempted to collect it from me ilegifimately. I have never done business withMidland Funding, For them to park this inaccuracy and lie about investigation and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX agencies for roles in allowing you to furnish this information without my written consent and against my continued efforts to remove account. Now that it is removed, that it has removed, Midland pay me what is owed according to law. I have actual damages there are {$1000.00} violations at the time it was reported. Each month is separate violation, and I am giving the company one opportunity to cure th situation, or we shallallow a federal judge to look at all these deceptive forms that have mailed over the past year in support of your wrongdoing. It all stem from the false misrepresentation of all stems from the false misrepresentation of midland on my consumer report. I am due justice, and you owe me Civil Liability for every month it reported on my consumer r, I am willing to settle for XXXX and not have to pay attorney fees, or we my consumer lawyer to the situation under the FCRA you will pay him amount of Your choice. I have dealt with this harassment for long enough. For far too long my character has been defamed comments left by Midland on my report against my efforts to resolve the situation outside of FEDERAL court. I expect a settlement offer within 10 days of this or further legal action will be initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$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 2020-08-04
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two weeks ago, I began receiving text messages from MetCredit USA. They did not provide any information, except for that they were attempting to collect a debt and requesting I click on a link. 

I received a letter from them yesterday requesting payment for a visit to XXXX XXXX XXXX that was paid on the date of service. I have attached a copy of the receipt. 

If they report this to the credit bureau, I will sue them for texting me and using my cell phone number without consent. This is illegal per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 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 2022-11-02
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I was XXXX XXXX XXXX in I need help with medical bills and getting my perceptions also Im out of work and not making any income at this moment Im {$20000.00} in back rent and hospital bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CNG HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Today I got charged on my debt card i did not authorize by TEMPOE i told them repeatedly to only take the charge as of XX/XX/2020 i told them repeatedly only charge me the amount BUT not to save in system until i get my replacement card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
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 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 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 of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under metro 2 guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: DISCOVER BANK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Request for Discover to be financially sanctioned and to be instructed to erase my personal information and to stop contacting me. 

To whom it may concern, I recently opened a complaint case, through the Consumer Financial Protection Bureau ( CFPB ), against Discover. I had a student loan with them, which I paid in full, in 2019. 

Unfortunately, you, the CFPB, closed the case, just because Discover answered my complaint, but Discover did not offer to stop contacting me and erase my personal information. 

Discover completely disregarded my request to stop sending any kind of communication to me, which even after I paid the loan in full, they keep doing, contacting me, via physical mail and emails. 

Enclosed you will find the letter, sent by Discover, which I received a few days ago, where they insist, they will not erase my personal information and will not stop contacting me. 
They even took the liberty of sending a letter with printing errors, including their address, which I assume they did on purpose. This I assume is illegal. 

Please proceed to economically sanction Discover, since they are violating my privacy rights and to instruct them to erase my personal information and to stop contacting me in any way, shape or form. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely RESOLVED : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I requested to close this account in XX/XX/2020, l was told by the PNC rep that the account was closed successfully. On XXXX XXXX a XXXX transfer of {$1300.00} was sent to this account in error and instead of returning the payment PNC kept the money stating that they reopened the account because credits that were given in XX/XX/2020 were now reversed in XX/XX/2020 putting the closed account in a negative balance. I was never notified that this account was reopened. They also took my husband unemployment payment in the amount of {$960.00}. PNC told me that the account is still negative {$1200.00} as of XXXX XXXX and is refusing to close the account or deactivate the XXXX feature. The reversed credit stem from a refund for a XXXX XXXX  that was cancelled due to Covid-19 and PNC states that they gave me duplicate credits which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
On XX/XX/XXXX I filed a dispute with Transunion in reference to 2 derogatory items on my credit report with XXXX XXXX XXXX. There were 2 30 day late payments from XX/XX/XXXX that was a mixup. I had already written transunion letters XXXX XXXX XXXX  had given me to provide to transunion to have the info updated, but they refused to do so. That left me no choice but to file a formal dispute. I received a report on XX/XX/XXXX that the derogatory marks on my report have been updated and the items were removed. By XX/XX/XXXX, the derogetory items reappear on my credit report. I call transunion for an explanation and they don't have 1. They admit that the 30 day markers were removed and added again, but said it has nothing to do with them. They claim it is between me and my financial institution. I explained to them my financial institution agrees with me that the markers are an error. They told me my only option was to dispute the markers again. I asked why i would do the exact same thing that didn't work? I asked for a supervisor. His name was XXXX XXXX and he was no help at all. This company 's employees seem to have no other job than to get you off the phone. I now have no way to delete the derogatory marks that my bank has agreed to remove. Transunion claims no responsibility for the accuracy of their product. They blame everyone else.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am applying for a Mortgage loan and the credit agency is unable to run a credit inquiry in Experian credit bureau alone. The credit inquiry went fine in other 2 credit bureaus ( XXXX and XXXX ), except in Experian. 
I have been calling Experian every day since XXXX XX/XX/2023 and every time I hear a different reason for the questions I ask ( i.e., why credit agency is unable to run my credit report/inquiry in Experian alone ), they mention that, there is MLA ( Military Lending Act ) Notice enabled in my credit report due to which the inquiry could be blocking and it needs to be removed. I also confirmed that I am not part of Military and was never into Military. 
Call gets transferred to the dispute department and they raise a request ( physical form filled and submitted ) to remove the MLA notice from my credit file, which should take not more than 5 business days as mentioned by the Experian dispute department. 
Ever since I have been following up, but every time I call they raise a new request to get it removed and it never gets removed. 
At this point, I am not even sure if that is the root cause blocking the credit inquiry or even after this MLA notice gets removed am I still going to face the same problem. Until the Experian credit inquiry is successful, my loan process is halted and at some point i might even loose the Home buying due to this issue. Any help in finding the actual issue, as to why the credit inquiry is not going through, would be of great help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief