BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fifth Third bank has a loan advance service similar to payday loans. Loan advances are made and paid back through paycheck direct deposit dates. I have done this a couple of times using my checking account. I initiated an advance on XX/XX/16 in the amount of {$650.00}, agreeing to pay the fee that serves as interest. On the XXXX I transferred money from an external account into my XXXX checking out. Fifth third decided to take back the loan with interest before I could use the money. I called when I saw this transaction pending and asked why. XXXX, the CS rep said per the terms and conditions it was because money was coming into my checking account and apologized. I told him that money that was coming into my account was a transfer and not a direct deposit, he offered another apology. After reading the terms and conditions on my phone which clearly states that payment is collected from a direct deposit, I called XXXX back and asked for a supervisor. After explaining the reason for requesting a supervisor again, XXXX the account supervisor clearly misstated the terms by adding " it's any ACH '' which was not part of the language in the statement I read. I proceeded to end the call since she was giving me pushback and not supporting what was clearly in black and white. The information clearly states I have 45 days to repay the advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: IL
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

XXXX XXXX  Bankruptcy XXXXXXXX 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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX of XXXX, the XXXX XX/XX/XXXX associated with my wifes XX/XX/XXXX education of which I am a consigner were purchased by XXXX XXXX XXXX. We immediately had issues with receiving the correct balance or amount due, nor could they ( XXXX  ) explain why I was receiving late payments for loans not associated to my account number. This situation continued for the better part of 6 months when I finally was able to set up autopayments associated to the multiple accounts. Unfortunately, and what turned out to be unlawfully XXXX reported to the credit bureaus that I was late on payments an excessive number of times. I was never provided an answer as to why and was met with silence when asked for an explanation. 
Fast forward to XXXX of XXXX, the Covid crisis hits and my wife ( now a practicing XXXX ) is eligible for temporary deferment for the above-mentioned loans. We followed the proper procedure to defer and were assured by XXXX our account would remain in good standing. In XXXX, I receive yet another notification of 30 plus days non-payment for a second account number. Countless hours on the phone with XXXX determined that when the data was migrated to their system in XXXX of XXXX my social security number had been miss keyed by one digit on several of the loans, thus creating another me with a different social security number and a second loan number. XXXX representatives openly acknowledged their error and agreed that this was why I was inconsistent information each time I called. 
Following countless apologies and open admission of their error the issue was escalated to the XXXX collection team who were instructed to reverse the false entries in my credit report. They did not and refused to do so with no coherent explanation. Attached are detailed extemporaneous notes to capture in detail my years long interactions with XXXX. These notes clearly capture a level of incompetence and wanting negligence by XXXX that should be considered criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, 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:
In XX/XX/XXXX I sent a dispute request to Equifax regarding late payments and balance inaccuracies that were being reported on my credit report from XXXX. Although I sent equifax a copy of my credit report highlighting the inaccuracies, Equifax did the investigation and advised the inaccuracies were correct. How is this possible when : FCRA STATES ALL INFORMATION MUST BE ACCURATE. HOW CAN NAVIENT REPORT DIFFERENT BALANCE INFORMATION & SAY ITS CORRECT?? 

On XX/XX/XXXX, the office of XXXX XXXX XXXX began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate. 

On XX/XX/XXXX, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) became law, providing for the above relief measures on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 


XXXX reported me late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How could I possibly be late if the FEDERAL GOVERNMENT SUSPENDED ALL FEDERAL STUDENT LOAN PAYMENTS & INTEREST. 

How could I possibly be 90 days late on any payment if I was NEVER 30, or 60 days late prior or no notice of me being late was ever SENT TO ME. 

XXXX WAS SUED IN XXXX What is the Navient lawsuit? 
The U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general sued XXXX in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. The California and Mississippi attorneys general filed suits in XXXX and XX/XX/XXXX, respectively. 
Among other things, the CFPB alleges that since at least XX/XX/XXXX, XXXX has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. 

So how were you able to verify these inaccurate late payments are correct?? Where is the proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: AL
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I pay XXXX XXXX {$1000.00} On XX/XX/2021. 
And I never received any services for my money. The {$1000.00} was to help me with a divorce case. I contact capital one but they never give me my money back. 
I also contact the merchant but she refused to give me back my money. I will never pay back the {$1000.00} that is charged to my credit card because I didn't get any services for my money. Also capital one is using my tax dollars. the money that they lend me is the Federal government dollars which are my tax dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 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 these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Choice Recovery, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX   and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX. Acct : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX. I'm a recent victim of identity theft. My business and person checking account have been skimmed 3 times since XXXX. We have tried our best to get back on our feet ASAP. I'm a XXXX XXXXe, Business owner and my husband is XXXX. Unfortunately our account got skimmed the end of XXXX going into XXXX. It took the bank and extended amount of time to recover our funds for us. It happened twice more. I've never seen anything like this. I noticed it more since the PPP loan and EDIL. I'm working extremely hard to rebuild my credit. Especially after experiencing identity theft. I love capital one and had actually intended on changing my business account to their bank. Because of the skimming I decided to open a checking account with capital one. Because I trusted Capital one Ave they've been great at assisting us up to recently. I understand that payments got returned. Unfortunately this occurred during the summer months while we were in the process of recovering our funds. But I still made me payments another way. Unfortunately without contacting me Capital one closed my credit card account ending in XXXX. I was extremely upset because this was insult to injury. I tried my best to make to navigate this difficult situation.To rectify any further issues I decided to open a checking account in which I did before the closure of my credit card. I asked for help transferring money from my capital one checking to my credit card while on the phone with agent. He was unable for some reason to assist. I was also having issues with also with the app. I did notify customer service of this. I also had to reorder my debit card. Also mentioned during the card that I was concerned that it potentially went to the incorrect address. I never received the first shipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/2023 Status Open. {$520.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$5000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment {$170.00} Original balance {$4700.00} Highest balance - Terms 36 Months My credit report is telling that this account was opened in XX/XX/2023 in the amount of {$4700.00} with an interest charge every month. They have called and harassed me on the phone leaving messages and I'm on the DNC list. When I spoke to someone XX/XX/XXXX at XXXX XXXX there about original service agreement or contract with my signature, they gave me the run around. So, in the pdf 's provide I sent a certified letter a couple of weeks ago. Back on XX/XX/XXXX, I gave them 10 business days to send me any documents with the details I've been requesting. This company is fraudulently using my information and is reporting to credit bureaus. I have never done business with them, and my bank records show NO money ever deposited into my bank account for a loan. I'm requesting that this negative information be removed from my credit report, and they stop calling and harassing me. If this is not resolved soon, I will be filing a civil lawsuit to XXXX XXXX! They must delete all negative information from all 3 credit bureaus ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: MS
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:
The was paid off as a total loss & its still reporting as a full balance & missed payments that the lender agreed to remove, The payments where deferred during secton 34 of the cares 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 explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-04-08
Company: GOLDMAN SACHS BANK USA
State: OR
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:
Apple credit card- is violating the FCRA and reporting : 1. I owe {$2800.00} on debits that were ruled during identity theft disputes filed, and filed to not be my charges. I actually owe XXXX. They have told me during multiple calls I dont owe, and they emailed a accountant to write off the charges. 

2. Inaccurate reporting to the credit bureaus : my last dispute was finalized by XX/XX/XXXX, yet they have reported to bureaus the fraud charges instead of removing them by the statuatory deadline of XX/XX/XXXX. It took XXXX calls to get my balance amount due because their system does not show what is actually owed. It was paid off in XX/XX/XXXX. Suggest they fix their system to show charges customer owes from fraud charges, 3. Since I owe nothing, and all fraud charges sere disputed in my favor, they needed to report on XX/XX/XXXX only the balance I owed, not leave the fraud charges on my account as a balance due. Instead of me owing {$250.00} roughly, their reporting to bureaus as of XX/XX/XXXX, over {$3600.00} is owed, inaccurate reporting. 

4. As of XX/XX/XXXX, their reporting I am delinquent and owe over {$2800.00} when I dont owe any money. Their only solution is to send a email and nothing gets done. Theyve stated I dont owe, but they can fix their system as their not allowed to do any entries, only their accountant can fix this, but she never called me like they promised she would do in XXXX, XXXX. 

I have asked for the credit reporting to be fixed, and my credit score returned to XXXX like it was prior to their inaccurate reporting. Who can help me? 
I sent them a certified letter disputing the inaccuracies and they received it on XX/XX/XXXX. Please make them comply with the laws since they have until XX/XX/XXXX to fix the innacurate reporting, Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation