BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2020 I pulled my XXXX Credit Bureau File and found Portfolio Recovery Associates , LLC entered an ERROR on my file claiming I owe {$520.00} to XXXX Bank Nevada, NA. I do not owe XXXX any money, and I do not owe any money to Portfolio Recovery or signed any agreements with Portfolio. 

On XXXX I send Portfolio Recovery a Certified Letter, Return Receipt Requested, informing them of their mistake, objecting to owing them any money and asking for PROOF that I owe the debt. I asked for copies of any documents bearing my signature from XXXX Bank Nevada showing that I have an obligation to pay this debt. 

Portfolio responded on XXXX and FAILED to include any proof or any documents, order forms, etc. proving that the debt belongs to me. 

To date Portfolio refuses to delete their ERROR on my credit report causing me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2022-12-22
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a letter from Nationwide Recovery about a medical bill I do not recognize. XXXX they send a response to my letter in which now has a XXXX  child name on it with a XXXX debt. Not sure when the debt was accumulated. Researched the statue of limitations is five years in Florida and asked them to send me authorization paper work from medical provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called Mohela with questions about my student loans. I was on hold for XXXX hours. Then hung up on. No one ever answered or helped me. No one even tried to contact me. 

I then filled out a message through Mohela 's online portal. 

Several days later, I got a response saying that I had talked to someone in customer service and my concerns were addressed. This was patently false. No one ever spoke with me. No one made any effort to help me. I still have all my questions. 

My loans still show an incorrect number of PSLF qualifying payments. They still do not all show as in repayment. I have not been in school since XXXX. I filed the form to waive the grace period. What is going on? No idea and no one at Mohela will tell me or help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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:
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello- I opened a My Community Interest Checking Account w/NYCB ( New York Community Bank ) on XX/XX/23. 

They had a {$350.00} promotion regarding direct deposit ( {$500.00} or more ) and a daily average balance of {$500.00} over the first 90 days. I have met all the terms and the promotion period has passed. 

I called regarding the bonus and was told by corporate to contact the branch. When I contacted the branch they told me that there was no promo code attached to the account. I have a screenshot of the promotion on the bankers desk in-branch when I opened the account. 

I have never encountered this type of dodging before and would appreciate any help in being credited what I have rightfully earned. 

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 2023-04-21
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
PayPal Credit in coordination with Synchrony Bank recently submitted me to collections asserting that I never made payments on a purchase that I made on XX/XX/. Not only did I pay off this debt TWICE ( proof will be attached ), but both PayPal Credit and Synchrony Bank refused to allow me access to my online account to obtain the necessary information to prove that I did pay this debt, and now I've paid in twice to get it off my credit score. This has negatively affected me as I was attempting to obtain a loan, which I did not get, and I have spent HOURS ON THE PHONE ONLY TO BE RIDICULED BY THEIR EMPLOYEES AND GASLIGHTED. This caused me extremely emotional and financial distress. Not only do I want a refund of my money, but I also want my credit fixed. I am a single mother who works very hard and pays all of my bills on time. I do not get reported to credit agencies for delinquent payments as I generally set up autopay. Now my credit went down by XXXX points and I can not obtain a loan. This bank needs to be punished and they need to rectify my situation.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Consumer law state all XXXX XXXX XXXX must be accurate and XXXX in XXXX. Transactions and experiences are not included in public information. Including utilization and payment history. Which should include soft and hard inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Associated Credit Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because Associated Credit Services is being unfair and negligent. This company has RE-AGED the account and IS reporting discrepancies across bureaus.

I am disputing the following item on my report : Account information : Associated Credit Services, account # XXXX, opened : XX/XX/2019, original balance {$440.00}, original creditor : XXXX XXXX. 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: IL
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 XXXX. Auto Loan No late payments have ever been issued on account. Tried resolving the issue with company customer service but the issue has still not been resolved. Account status should show ZERO late payments. On XX/XX/22 company responded about same issue and removed inaccurate remarks on XXXX credit report but did not remove on Experian.

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 2018-10-21
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Student loans XX/XX/2008 3 acount Reporting on all three credit companies This account was payed and close please remove from credit companies Its to old

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Received notification from XXXX and Transunion that a new account " with XXXX XXXX was opened in your name. The Credit Card account was opened on XX/XX/2023. '' Contacted XXXX XXXX and confirmed no such new account opened. Companies websites designed to hide dispute credit report pages behind subscription pages. Direct links accessed at cfpb.gov. Hours spent in attempt to dispute credit report item failed. Company not taking responsibility for erroneous credit report changes.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: CT
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:
I went to car dealership and they promised me that theyre going to check with one lender, over time I checked my credit report and its has several inquiries. I am now in a position of bad credit and its holding me back from opportunities and its extremely hard for a dad to help his family with bad credit I need help removing inquiries 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 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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, XXXX, and LCI have deeply failed me. These companies have not responded to my disputes over the last 60 days. There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please 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 explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
summited a dispute with XXXX XXXX XXXX, XXXX company, and XXXX XXXX XXXX I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter

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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 a bill pay request was submitted to Bank of America Credit Card, the payment request was recognized on XX/XX/2023. Money was removed from the XXXX XXXX checking account on or before XX/XX/2023 in the amount of the payment. Despite the removal of the funds from the XXXX XXXX Account, the payment processing has been put on hold for 10 days. When speaking to a managerial representative, they told me that they could not provide an explanation for the hold and could not lift the hold ( although initially the representative said that they delay transfers to confirm funds, I told them that the funds had already been withdrawn from my checking account ). 

I cashed out a MONTH of leave so I could make a larger than normal payment on the credit card - the larger-than-average payment is the only explanation I can think of for why the processing hold was put in place. The extended inability to use those funds ( since they have been removed from the checking account and are unusable in the credit account ) has placed me under extreme financial duress.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
summited a dispute with XXXX XXXX XXXX  XXXX company, and SOURCE RECEIVABLES MNG I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter

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 2023-07-11
Company: OneMain Finance Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Credited a disputed unauthorized transaction but did not reverse two late fee 's and interest. 

Also reported this account late to the credit bureaus on my account and my authorized users account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX and TD bank has been sending me collection notices in the amount of {$1200.00} combine the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Machol & Johannes, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX , XXXX, File No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX  using MACHOL JOHANNES LLC   Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX   phone XXXX claiming a {$5000.00} don't want to deduct my payment {$3000.00}.

XXXX XXXX XXXX , XXXX already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX, XXXX  until they send me to collections and we have to file a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Santander Consumer USA Holdings Inc.
State: VA
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 purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX XXXX and XXXX paid the claim and Santander has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and Santander is still coming after me for money, claiming that GAP didn't pay in full. Santander was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.

Company response to consumer: Closed with explanation