BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.

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 2021-10-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient is contacting people not associated with my account to speak about my account. 

On either XX/XX/XXXX or XX/XX/XXXX, Navient contacted a someone not associated with my account by phone to try and reach me. Navient falsely claimed they are trying to reach me to " help me '' regarding my account. The individual they contacted is not on my account and not authorized to speak on behalf of my account. I am not disclosing this individual 's name and contact information in this complaint, but I may be able to provide a screenshot of the incoming phone call. Navient should have record of this phone call in their logs, and should be aware of this incident. If they claim not to be aware, then I will file a separate complaint about their conduct. 

I have filed other complaints against Navient regarding contacting unauthorized individuals regarding my account. The CFPB previously ruled that Navient should not do so, and Navient previously agreed to stop doing this. However, once again, Navient is violating this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
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: Investigation took more than 30 days

Complaint:
File Number : XXXX Ref : XXXX XXXX Amount {$110.00} Reported on XX/XX/XXXX To Whom it May Concern, The enclosed letter was provided to me from Transunion in response to a dispute I filed concerning an item that was erroneously being reported on my credit report. 

I filed the dispute online through XXXX on XX/XX/XXXX and they didnt complete their investigation until XX/XX/XXXX, a total of 33 days. 

Because the law states that a credit bureau has 30 days from the time they receive a consumers dispute to conduct an investigation and not 33 days the credit bureau is violating my rights as a consumer and therefore the referenced account should be removed from my file so as to not cause me any more undue hardship. 

Thank you kindly for your assistance in this very important 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 2017-07-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have attempted to resolve this matter with this company several times. My car was hit in front of my house and it was a total loss. The car was paid off by the other party who hit my car and I also had insurance on the loan so when everything was finalized the loan should have been paid off in full and I was told that it was. I continued to receive a demand for payment and I do not owe this company. I have asked for a full accounting of the loan and how the loan was processed after the accident and they have failed to provide that to me but they want me to pay them something I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-18
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a Citi AA Card since XXXX with no issues. My bill is paid on time XXXX most times paid early ) and the minimum payment or more is paid each month. They have routinely increased my credit limit without request from me due to my good history with their company. On XX/XX/XXXX, I made a payment of {$2900.00} I wanted to use this credit card to pay vendors for my upcoming wedding so I could earn miles for a honeymoon trip! On XX/XX/XXXX, the company decreased my credit limit by {$1500.00}, making my current balance OVER MY CREDIT LIMIT, and the card is not able to be used. There was NO advanced notice they would be taking this action. I tried to use the card, and it was declined. 

When I called Citi AA, they say the decrease was due to large debt owed to other creditors. They claimed to do a soft credit check twice per year to evaluate line of credit increases / decreases. Yet, they have never decreased my credit in the past. I have no more credit card debt now, than I did 6 months - 1 year ago ... I actually have less. I did purchase a new vehicle several months ago but that is the only increase I have had in credit. That bill is also paid ON TIME! 

The representative I spoke with was clearly reading from a script. I asked for her supervisor, XXXX. He was also clearly reading from a script and of NO HELP. He kept repeating the same thing over and over. I tried to call the number listed on the letter dated XX/XX/XXXX which I found ONLINE, and after being on hold for 5 minutes, it stated " We are having trouble connecting you to a representative. You can call back at your convenience. '' What a joke! 

This adverse credit decision will RUIN MY WEDDING! I do not know how I will pay my vendors now that my entire wedding vendor budget was paid on this credit card with the intention of paying individuals vendors with the credit card. 

There has to be something that can be done! If my payments were late or missed, I would completely understand the decrease in credit limit. BUT I always pay and pay over the minimum amount due. Sometimes, I even make multiple payments in a month to ensure the balance does not exceed my credit line as I have several bills set up on the credit card as automatic payments. 

I am very frustrated and have no idea how I will get married now that this has happened WITH NO ADVANCED NOTICE TO ME!! They mailed a letter the same day they decreased the credit limit. Of course, they were more than happy to charge my {$99.00} annual fee to my account regardless of decreasing my credit with no consideration of my EXCELLENT payment history with their company!! Who says I want to continue being a customer of theirs after being treated this way?? 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 2021-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It has been more than 90 days that I have been trying to get some information updated and removed off my credit report. This is a violation of my rights and need to be removed immediately. Ive been in contact with the credit bureaus for over 90 days and no feed back on my status nor any updates or removal. Please update information immediately for it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax, XXXX and XXXX continue to report these inaccurate items on my credit report.
XXXX : The amount of the loan is incorrect, the date started loan is incorrect, the late payments are incorrect, the monthly balance is incorrect, the loan terms is incorrect.
<P/>
XXXX XXXX : Past due amount is wrong, late payments are wrong, status is incorrect.
<P/>
XXXX XXXX XXXX : The amount past due is wrong, the initial amount is wrong, status is wrong.
<P/>
XXXX XXXX : The last date report is wrong, late payments are wrong, the balance is wrong, the status is wrong.
<P/>
I have contacted all of these companies personally and they continue to state these items are verified and no change has been made. I have disputed these items with all three credit bureaus multiple times and I 've received reports stating these items are valid and no change. I am looking to purchase a home and these accounts are affecting my chances of getting approved. Please Validate these accounts or delete these items off my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2019-10-18
Company: CITIBANK, N.A.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This event happened a few days ago around XX/XX/2019. 

So my student loans originated with citibank and now they are at XXXX XXXX. XXXX was telling me how I can not be in in-school deferment because I had already used my 10 years. I am in XXXX  school, have been for two semesters, and I demanded to see my promissory note. It took about 24 hours for them to call me per my request and I still havent recieved my promissory note. When they called back, we discussed it over the phone and the rep read that my contract does show if I go to XXXX school I get an additional 4 years of in achool defferment. The rep even told me that their computer system didn't even show those terms regarding being in grad school, but it was on my contract. Thiss is highly illegal and I would like this company dealt with please. If there's any way we can get this student loan expunged due to illegal practices, then that would be great

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 2017-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Portfolio Recovery is reportinig inaccurately on my credit report. There are 3 accounts that show on my credit reports that are not mine. I have never received anything from this company to Validate this request. This debt is showing from XX/XX/XXXXbut I never received anything from them stating it was my account. I disputed with the account with XXXX, XXXX, and XXXX and the accounts were updated with XX/XX/XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month and they sent me a copy of a bill at an address I have never lived. I asked them to validate the debt and send me a copy of what I allegedly signed for this account and I still have not received it.. I am attaching the letter sent to this company and the proof of certified letter. I want to be provided the actual contract that I allegedly signed for this company. I have informed this company that I have never lived at this address in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a Letter and a FTC report to Equifax about some inquiries that did not belong to me. This company stated that this inquiry was removed but it is still reporting on my credit file. I have faxed this company the FTC report numerous of times. I have also reached out to the fraud department about this matter and they tell me that they will remove it and that it has been removed. they have also sent me a letter stating that the inquiry has been removed on XX/XX/XXXX XXXX yet this fraudulent information still reports on my credit file. I am very disappointed and distress. this company is breaking the law. According to the FCRA 605B this information must be blocked immediately until the investigation is over. This company failed to obey the law. I would liked this inquiry removed immediately or I will have no choice but to seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My Toyota XXXX is coming off of lease. I had previously calculated the remaining amounts for payments needed based on the Toyota Financial Services Account Management portal. This portal provided an incorrect amount left thus the amount that was calculated I was informed was incorrect. Based on the incorrect information there was a final balance of {$39.00}. I was not notified of this balance. 

Beginning on XX/XX/XXXX, Toyota Financial Services began calling me multiple times per day, harassing my cell phone and not identifying their call via voicemail. On XX/XX/19 I called Toyota Financial Services back to determine why this number kept calling me. The automated prompts identified my account ( multiple ) but I requested an agent as the harassing calls had failed to identify any information associated with Toyota ( including called ID not identifying the business ). 

I reach an operator who refused to assist me. She refused to inform me of why I was receiving the harassing calls. She incorrectly stated she required my FULL SSN to continue when I had already provided enough information for their system to identify my account. She refused to transfer me to a supervisor. I informed the Agent that her company, if it was Toyota Financial Services, was performing harassing calls and I again requested to speak to a supervisor. The agent again refused to push me to a supervisor and badgered me in a harassing and unprofessional manner. 

On XXXX, I was able to answer a call from the harassing number. The harassing calls were being performed by an auto-dialer. The agent provided me information in regards to the harassing calls. I informed the agent that I would check online as she failed to verify who was calling me ( failed to verify her employer ), verify that this situation was correct and move to correct any issues. During the call, I did not realize that the Toyota Financial Services website was providing incorrect information thus I couldn't speak to the validity of the claim. 

I also informed the agent that when calling they needed to leave a voicemail as I had already been harassed by Toyota Financial Services staff and systems. The agent then provided false information regarding Toyota Financial Services legal ability to leave a voicemail. I informed the agent that this information was false and that my prior experience in the financial services and debt management industry provided me with industry knowledge to the contrary. At this point the agent began badgering me and I requested to be transferred to a supervisor. The agent refused to transfer me to a supervisor. I repeated my requests and the agent continued to badger me and refuse my requests. At this point during the agents harassment I hung up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, 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 information incorrect

Complaint:
All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately. 

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation. 

5. XXXX XXXX : Accounts XXXXXXX, XXXXXXX, and XXXXXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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:
Trans Union is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XX/XX/XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX XXXX investigation and reporting are not lawful

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