BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to XXXX, Equifax and XXXX for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with XXXX, Equifax or XXXX. 
Additionally, XXXX XXXX XXXX website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: HCFS Healthcare Financial Services of TeamHealth
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: Was not notified of investigation status or results

Complaint:
I have been sending disputes to XXXX in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to XXXX XXXX XXXX XXXX and Account Resolution Services and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, XXXX refuses to even complete a dispute and sent me one letter back!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted this company several times regarding the discharge of these loans as they were taken out by a school that have been closed for fraudulent activity. I now a ridiculous amount of student loan debt with no degree form a for profit school that should of never been allowed to operate in the first place. Every time I call no one can help me or they direct me to their website which does not have the information I need. To make matters worse my payments have now doubled ( without notice ) and my loan balance have gone up XXXX in less than 2 months. How is this possible? I see now why you guys are being sued. This is a scam and its disgusting how you are praying on people who were only trying to better their lives by getting an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going though a credit agency to fix my credit to obtain credit when I found out an item was on my report that was not mines. I was told to make a Police report and to dispute the item. I did. I recieved a letter saying that this was my account. I submitted to all 3 credit reporting agencies with the information they requested including the police report. 2 of the reporting agencies removed the item off my report. one agencies did not. I again filed another dispute as well as contacted the name of the agent on my letter and they said they will look into it but nothing has been done.

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 2020-12-11
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During XX/XX/2020, changed phone companies with a buy out programs offer from XXXX to port over lines. I switched from XXXX to XXXX. I found this debt collection on all,3 of my credit reports, for an amount more than the last bill and payoff amount of XXXX. The double the price on the report 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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2020, I sent XXXX TransUnion and XXXX a letter to perform an investigation and review the accuracy of the account, XXXX XXXX XXXX. I am still seeing a monthly payment on a closed account and moreover, they re-aged the closed date and are reporting both on time payments and " repossession '' on my credit file. This information is misleading and inaccurate because they should not be reporting anything on my file after the account has been closed. Due to their negligence, i am now asking that this account be removed from my credit report because no notice of dispute was entered on the remarks section which violates my rights as a consumer.

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 2021-01-26
Company: Santander Consumer USA 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: Old information reappears or never goes away

Complaint:
I opened an account with Santander Consumer back in XXXX for a XXXX XXXX. The car was marked as a charged off account as of XXXX and is still appearing on my report. Santander keeps selling this closed account to other business and therefor still showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner at XXXX XXXXXXXX XXXX, XXXX KY XXXX. Has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due, I don't know this company. I have never done any business with this company. This company don't have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to XXXX, XXXX and TransUnion for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with XXXX, XXXX or TransUnion. 
Additionally, XXXX XXXX 's website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.

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 2018-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I sent in a personal check to pay the remaining balance of my loan. I sent it with the following conditions : Cashing this check, you agree to the following : 1 ) Show Paid in Full 2 ) Removing Negative Items from Credit Reports 3 ) Cease collections They cashed the check on XX/XX/18 & failed to report according to our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
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: Old information reappears or never goes away

Complaint:
Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my credit report. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: MARINER FINANCE, LLC
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a personal loan in 2018. I didn't pay it off due to not being able to work for my health issues. It is being reported on my credit that I owe twice as much as the original loan. I reached out to the creditor and was told that my defaulted loan would continue to accrue interest until paid in full. They wouldn't allow me to make a payment because they said I would need to pay more than I could afford. This loan was for XXXX and I'm being told I owe almost XXXX and it goes up by XXXX a month on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX - Applied for credit card at XXXX XXXX XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response XX/XX/XXXX - Called Comenity line to inquire about response, asked to send verificaton documents. ( SSN, Drivers License, bank statement ) XX/XX/XXXX - Sent documents ; Comenity rep did not specify " back of card '' XX/XX/XXXX - Called Cominity line to inquire XX/XX/XXXX - Called Comenity, denied card due to documents not meeting requirements

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a certified debt validation letter to Midland Credit. To date, there's been no response from them. They are still reporting to the credit bureaus and shouldn't be since they can't/did n't validate my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Capital Alliance Financial, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed with XXXX XXXX XXXX to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. 
Totally illegal

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion does not understand the meaning of " Information Furnisher ''. An information furnisher is a company that provides  information to consumer reporting agencies. Information furnisher is governed under the Fair Credit Reporting Act ( FCRA ). Examples of Information furnisher are state of municipal courts reporting a judgement of some kind, past and present employers and bonders. XXXX XXXX do not fall under this category. XXXX XXXX laws are the FDCPA not FCRA. Credit reporting agencies, such as TransUnion are required to conduct an " INVESTIGATION '' of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information, not a third source such as XXXX XXXX or any other third-party source. TransUnion continuously keeps responding to my dispute of the Bankruptcy not being mine and belongs to someone with a similar name. The filing for the Bankruptcy that is reporting on my TransUnion credit report is in XXXX. I lived in Nevada in XXXX. The bankruptcy that is showing on my credit report along with a XXXX XXXX is that of someone else with a similar name with a different address that does not belong to me nor should it be reporting on my credit report. I take my credit file seriously! I am sick and tired of the pre-made generated letters stating Transunion " VERIFIED ''! I also, contacted XXXX XXXX and they did not confirm any information to Transunion due to my file with them is frozen. I have documentation from XXXX XXXX showing that the address that is linked with the bankruptcy does not belong to me.

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 2018-03-02
Company: Fidelity National Information Services, Inc. (FNIS)
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: Their investigation did not fix an error on your report

Complaint:
CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX  ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE 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 2017-08-08
Company: Credit Plus Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are a couple of accounts that dont belong to me.

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 2017-08-03
Company: EOS Holdings, Inc.
State: CO
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:
After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all 3 credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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: Account information incorrect

Complaint:
RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to Experian, XXXX and XXXX for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with Experian, XXXX or XXXX. 
Additionally, XXXX XXXX 's website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.

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