BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been in contact with transunion about removing a unverified account on my report. They haven't provided me with any documentation on how the account is verified but they still keep updating it without any proper documents confirming that the account belongs to me. A certified letter was sent out XX/XX/18 again for the 5th time. You stated these items were " verified '' and reported correctly? Who verified these accounts and why havent i seen a copy of any original documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). Furthermore you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). Please be advised also section 611 ( 5 ) ( A ) of the FCRA you are to promptly delete all information which can not be verified. I have the info deleted from one credit report ( XXXX ) and transunion should follow suit since they can't verify the account to be mine. I have included proof of the deletion from XXXX also.

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 2018-12-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX - XXXX XXXX   - XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : 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 2018-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have attempted to dispute the accounts and information that are listed below with all 3 credit agencies. These accounts do not belong to me and they were open as a result of identity theft : - XXXX  - XXXX XXXX   - XXXX - XXXX  XXXX  - XXXX  XXXX - XXXX XXXX - XXXX XXXX  Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX Incorrect Names : 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 2020-08-21
Company: Sterling Infosystems Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I applied for a job and they conducted a background on my behalf however I dont have anything on my background and when I called I was informed that Sterling Info System was in court for giving false reports.

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 2018-06-13
Company: EQUIFAX, 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:
This is not my first attempt to have this problem resolved. Upon my last request the company said that they sent a letter to my address which I di not receive anything. Nor has the credit reporting agency responded back with investigation report or findings. This has been well over 90 days and no one has responded. I asked this company for a contract verifying that this is my debt and that I have a debt owed to them and they stated they sent something in XX/XX/XXXX which they did not. So I know there's no way the CA can have anything as well. If this matter does not get resolved I will be seeking legal action because this is fraud and the information being reported on my credit report is incorrect and I have tried will over 90 days to have the issue resolved with both company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: NC
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 have tried unsuccessfully for Equifax to update my credit file. My information has been merged with someone else and it has been a nightmare trying to get this fixed. I have 2 bankruptcies, one is not mine. They have merged my birthday and social security number together. I have sent proof of my identity and they still reply that theyre information is correct although XXXX  and XXXX  reporting information correctly. Calling Equifax to speak with an American agent has not been helpful as well. They never sent my credit report or send it to the wrong person. Then they dispute information I have not authorized. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by an escort service and chase bank nor XXXX will help me get my money back even after I reported the scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Troy Capital, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This was a joint account ( XXXX ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 14

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I CURRENTLY HAVE A CREDIT CARD WITH XXXX XXXX XXXX ; ON XX/XX/XXXX I PURCHASED A GENERATOR WHICH WAS SUPPOSED TO BE ON A '12MONTH PROMOTION ; ' AS IN NO INTEREST WHILE MAKING PAYMENTS. 
HOWEVER I HAVE NOTICED ON MY CURRENT STATEMENT, AND UPON CALLING THE 'ACCOUNT INQUIRY ' PHONE NUMBER:XXXX-XXXX-XXXX ; I WAS TOLD THAT THE 'ACCOUNT BALANCE ' OF {$1400.00} ( STATEMENT DATE XX/XX/XXXX ) INCLUDES THE {$1100.00} BALANCE OF THE GENERATOR PURCHASE.THE 'CUSTOMER SERVICE REP ' THEN EXPLAINED THAT " WE MUST CARRY THE FULL ACCOUNT BALANCE ON YOUR ACCOUNT.???? ' WHICH I FIND TOTALLY UNACCEPTABLE. IN THAT EVENT, IM PAYING INTEREST ON THE 'TOTAL BALANCE ' AND NOT ON THE 'SUPPOSED TO BE SEPERATE ' GENERATOR PURCHASE. 
I HAVE HAD 'NO INTEREST ' PURCHASES IN THE PAST WITH A NY APPLIANCE CHAIN : XXXX XXXX ; IN WHICH THEY ALWAYS LISTED THE 'DEFERRED PURCHASES ' AND I THEN HAD THE OPTION OF PAYING THAT 'DEFERRAL ' SEPERATELY. IN THIS INSTANCE THAT IS NOT THE CASE. THEREFORE I REQUEST THAT 'TRACTOR SUPPLY ' BE MADE TO CONFORM TO THE PROPER ACCOUNTING PROCEDURES ; IM SURE IM NOT THE ONLY CONSUMER THAT HAS BEEN VICTIMIZED BY THIS FALSITY ; MY ACCOUNT # IS: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 2018-06-13
Company: EQUIFAX, INC.
State: OH
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 have sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting document that the accounts are inaccurate and don't belong to me. 

XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please delete all account which has nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
To whom this may concern all 3 bureau XXXX, Experian, and XXXX are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.

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 2018-05-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
1.Account was paid off by Gap insurance but company lost the necessary document

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 2018-12-22
Company: Experian Information Solutions 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:
I am so confused why XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

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 2018-12-22
Company: EQUIFAX, 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:
I am so confused why XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX and XX/XX/2018 It says I missed Payments. I thought my Student loans were still in deferment. I am was in financial hardship and couldn't afford any I didn't know the information needed to see my status of delinquency at the time. The balance had gotten up to {$920.00} and I couldn't afford that. I reapplied to deferment and got approved again but the damage was already done and my delinquency was reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : 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 2018-12-22
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
AMERICAN HONDA Finance has posted DEROGATORY CREDIT REPORT. In XX/XX/XXXX I spoke directly to Honda Financial Services and was promised that any negative report would be removed. XXXX XXXX  XXXX sold the vehicle I returned to Honda for an outrageous amount making three times the difference of money owed. I was notified at the time Honda sold the vehicle and requested to sign a release of ownership. Later, as years have passed seems a personal intention to damage my credit. This account was deleted. Promises to delete were made by e mail by Honda Financial. However this account appears again not only after was deleted, but in violation to the California and Federal rights. 
Credit was closed in XX/XX/XXXX. Not only this derogatory reposted credit has ruined my reputation, but I have received a letter from XXXX lowering my credit line due to Honda derogatory credit. 
In the State of California as in USA, 7 YEARS after a credit age, the credit has to be removed. Worse if the postings bring defamation to the life of a Citizen. 

Under the United States Court of Appeals, Fifth Circuit, Case No. XXXX, XXXX XXXX vs. XXXX, XX/XX/XXXX. Court Ruling Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. 
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses for derogatory credit defamating my character as it is, especially after having spoken with Honda Financial and having Honda promised to delete the derogatory adpect and the credit. Honda never  released the total amount of sales, yet they notified the vehicle had been sold with sufficient funds to have the credit corrected.. The credit was opened on XX/XX/XXXX and vehicle re-acquired by Honda few months after.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Transaction submitted twice by ( XXXX XXXX XXXX ) hotel on two different dates for two seperate amounts for two seperate rooms. The valid transaction for XXXX and the faulty charge for XXXX. I called hotel first on XX/XX/XXXX when transaction was pending, told to call my bank. Filed dispute/claim with my bank ( US BANK ) XX/XX/XXXX after transaction posted, bank submitted provisional credit after 10 days. Bank withdrew provisional credit months after, claiming to attempt to get ahold of me for further information. I never received a letter and had a new number at the time. No secure e-mails or anything in regards to the transaction. After going over statements I noticed the discrepancy of XXXX being withdrawn and was told I was outside of the window for dispute for the claim even though I had receipts for my stay and for the location I stayed at during the second charge. I was told to take the hotel to small claims court or call Visa by my bank. Visa doesnt handle issues with financial institutions because they dont withhold information of transactions. I called the hotel back and they submitted a refund for the full amount to a closed debit card. I have a receipt for the refund however upon calling the bank they still havent received the refund/credit to my account. I would just like to get the appropriate funds credited back to my bank account so I can move forward with my life. This situation has caused a financial strain on my life and should be resolved.

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 2018-12-22
Company: Genesis Lending
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Hi, My name is XXXX, I attended XXXX XXXX in XX/XX/XXXX. One year after the lawsuit was filed against the school, in XX/XX/XXXX my federal student loan was forgiven, even though I paid about 7- 10 % in monthly payments to federal loan at the website XXXX, this amount was not refunded, I am greatly thankful to consumer protection agency for standing with the student who were victim of this unlawful act by XXXX colleges.

The diploma cost XXXX, about 10k was federal student loan subsidize and unsubsidized loans, nearly 5k bell grunt, and about 7k Genses private loan. However, the fact that we all know going to school it should make people life better, or at least won't make it miserable. To clarify that, I thought I was going to have a career as the school promised. Shortly after I graduated I heard about the lawsuit. Therefore going back to unskilled job is a must. I struggled to repay my Genses loan, any time I call them to let them know that I can't pay for this or that month they will say ok, but interest is adding up, 7 k I nearly paid 10k for late payments that I can't afford to make by doing unskilled labor work. Plus I was not able to go public college to pursue a career because no one that have no parents or brothers to help can attend school with {$110.00} Genses loan + XXXX $ federal laon, my concern has been shifted from pursuing a career to focus and find a way to pay back the loans. I couldn't attend school for 2 years just to make sure the loans are paid. To conclude, federal laon has been forgiven, the question remains after contacting so many lawyers that can help in student loan cases. If am i able to get at least the interest that I paid back to private loan Genesis student loan, which nearly {$5000.00}, from {$7000.00} principal. Which all equals to {$11000.00}. XXXX  school has changed my life from unskilled worker to unskilled worker with loan which negatively affected me for two years, XXXX, XXXX  for how to pay it back.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: SYNCHRONY FINANCIAL
State: NC
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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