BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  is incorrectly reporting a 30 day past due on all of my credit reports for XX/XX/2016. After disputing the report with the credit bureaus it came back as " being verified '' by XXXX XXXX XXXX. My payments were due on the XXXX of each month. A payment was made on XX/XX/2016 which is 21 days past due not 30 days past due as being reported for XX/XX/2016. Also this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
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 initiated an request for removal of a {$5400.00} federal tax lien on my Transunion credit file on XX/XX/2018. The federal tax lien was satisfied, released and withdrawn by the IRS. The IRS filed form XXXX Withdrawal of Filed Notice of Federal Tax Lien After Release with Clerk of Superior Court of XXXX XXXX XXXX XX/XX/2018. 
Transunion responded on XX/XX/2018 that it was being reported accurately. 
I verified with the Clerk of XXXX XXXX that this federal tax lien has been withdrawn and it is no longer reportable. 
Transunion did not properly contact the Clerk of XXXX XXXX to verify this lien.

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 2019-03-04
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: Public record information inaccurate

Complaint:
XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX XXXX   XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS XXXX, XXXX, EXPERIAN AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX XXXX XXXX PRESIDENT OF US INFO, AND XXXX XXXX EXECUTIVE VICE PRESIDENT OF XXXX XXXX AND XXXX XXXX XXXX OF XXXX  XXXX, AND XXXX XXXX SENIOR VICE PRESIDENT OF XXXX XXXX AND ALSO XXXX XXXX PRESIDENT OF US COMMERCIAL SERVICES AND CORPORATE CHIEF CLIENT OFFICER OF XXXX, ALONG WITH EXPERIAN ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT XXXX AND ALSO XXXX XXXX EXECUTIVE VICE PRESIDENT AT XXXX  XXXX! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!

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 2021-05-26
Company: BCA Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally XXXX Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: SECURITY FINANCE CORP
State: LA
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:
Im a 100 % 22 years XXXX  military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019

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 2023-06-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Tjmaxx at least in the XXXXXXXX XXXX region and its affiliated companies are trainings its store employees to mislead people into signing up for their credit card by asking to sign up for the rewards card or rewards program. 
This statement led to my confusion on what I was being asked to sign up for as I thought it was a general rewards situation where you earn rewards like with a phone number and email I was alarmed when the device to punch in my information wanted my social security number and hit cancel and asked if that was for their credit card to which they said yes. Its not the employees fault but they may be tricking a lot of people into signing up for the card

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 2023-03-22
Company: Experian Information Solutions 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate : and ( in ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this

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 2021-05-26
Company: The Outsource Group, Inc
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They contacted me as XXXX XXXX regarding a medical debt saying I owed XXXX XXXX XXXX, however I sent them.a copy of my explanation of benefits stating I did not own that dr any money. Therefore there letter could not be validated. A month or so later I recieve another letter from I guess their partner company.A month or so later I get another letter from Medi credit aboutthe same {$93.00} Debt this time with a different date of service as the initial information was incorrect.After getting into it with XXXX XXXX and his Manager. I called XXXX XXXX XXXX XXXX and asked did I owe any money and paid them directly.The debt collectors knowingly having this information back dated the dates and reported this information to my credit report unlawfully.1 because I did not have a contract with them.2 because they never validated the debt. The collection was removed from my report after I disputed it, The better business bureau put it back a monthXX/XX/XXXXFCRA law Violation see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/XXXX, XXXX I went to the Experian website to place a freeze on my credit report. When I went to the site it asked for my name and my password. That is all. When my password did not work it sent me an email where I could change it which I did then it took me to my daughters credit report. She is listed as living under my old address and old phone number and my email address. After several hours of phone calls and conversations including hour long wait times I still got no where. When I call Experian I have to give my name, SS #, my numerical address and my date of birth for security purposes. On the website there are none of these safeguards and accounts are linked to email addresses. Easy to obtain those and very easy to change the password and gain access to private information. I told Experian this needs to change because it is dangerous. I received scripted responses.

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 2018-02-06
Company: General Motors Financial Company, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX, VIN # XXXX from XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The amount financed was {$37000.00} on today during routine maintenance damage was found to the front of the end of the vehicle from a mass car accident. I was provided a XXXX report that indicated the car was a significant incident. At inquiried at the time of purchase for the XXXX and never was granted one. This is a total rip-off, had I know about this issue I would never purchase this vehicle. Both the Finance Company and dealership are at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macys Amex charged a {$2.00} fee that was reported 30 days late. This has greatly harmed me. I am a XXXX XXXX XXXX and I lost tons of points because of this fee that I had no clue I was being charged. I am never late. They upgraded my account to macys amex. They also just upgraded me to platinum. They encouraged me to go paperless billing so I was unaware about this {$2.00} fee that I acquired. I charged and paid off what they showed as full balance and never knew I was assessed this {$2.00} fee! A couple months later I charged again and paid off the balance again and unknowingly paid the {$2.00} fee that was assessed at that time. I recently got a notification from my credit bureau that I had received this 30 day late and tried to fix this with macys but they are not willing to help. This has been a very stressful situation. It has harmed my credit massively. I pay all my bills on time. I have been a very good cardholder with them and have never been late before or after. I never even received late notices from them regarding this issue. This is clearly bad communication on their part especially when I have been a loyal and responsible consumer to them. I am beside myself with such unfair treatment. I feel extremely manipulated and harmed by their company and I would like this 30 day late removed from all 3 of my credit reports. They obviously have XXXX problem harming their responsible customers. It was a {$2.00} balance not a {$200.00} or {$2000.00} balance. If I was aware I would have paid this immediately! I hope that this can be rectified and that they put better communication into place. I am losing sleep over this whole fiasco. Credit is not something I take for granted. This has harmed me beyond measure. I just hope this gets taken off all 3 credit bureaus.

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 2023-01-30
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:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXXXXXX XXXX XXXX XXXXXXXX, and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: MRS BPO, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account suddenly reported on my credit and I have no idea what it is as XX/XX/XXXX has been paid so this can not be truly a XX/XX/XXXX bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of TN a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of TN. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number XXXX. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

ACCOUNTS 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 2019-03-04
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, we filed a complaint with the CFPB because Fay Servicing had not responded within 30 days to our appeal or application for a modification. 

On XX/XX/XXXX we received a letter from Fay Servicing on XX/XX/XXXX stating that we were approved for a deferment on our loan. The letter stated, " With a deferment, the total past due balance is deferred to the end of the loan. This second unpaid principal balance does not come due, until the loan matures or is paid in full. '' We contacted our customer service representative, XXXX XXXX, on XX/XX/XXXX to accept the deferment. XXXX XXXX was not available so we spoke with another representative, XXXX. XXXX confirmed that we accepted the deferment and would put the process through with our acceptance. We emailed the applications department at Fay Servicing our acceptance as well. We were told a conferment letter would be sent to us with a XXXX label. We asked how long would it take for the letter to be drafted. XXXX said it usually takes about a week or so and said he would stay on top of it to make sure it gets out soon. He also told us that all foreclosure proceedings were on hold and suspended for now. 

On XX/XX/XXXX, we called to follow up with XXXX XXXX and he said the letter had not been drafted and it would take another week to be done. We asked to speak with his manager, XXXX XXXX, who told us that we had been approved in the system on XX/XX/XXXX but that the deferment we were approved for was different than what was written in the letter sent to us on XX/XX/XXXX and sent to the CFPB. XXXX said that the large deferment that we were approved for was for half of the amount past due to be paid in monthly payments for 6 months in addition to the regular monthly payment and the other half would be added to the back of the loan. This is NOT what was written in the letter from Fay Servicings legal department, please see attached letter. We told him that this was not what was written in the letter from his legal department to us and the CFPB. We requested to speak with his supervisor to resolve this matter. We are awaiting a call back from his manager, XXXX XXXX. 
The letter also promised that the foreclosure proceedings are on hold, but we do not believe that to be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: AZ
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/XXXX I submitted a method of verification. I specifically asked for all information they are using to investigate and come to the conclusion that all of the information is correct. They received the letter ( attached ) on XX/XX/XXXX. XXXX XXXX XXXX XXXX   Already on they are sending back through their online communication that these items have been investigated before and are refusing to investigate again. First, that is not what I asked for. I asked for the PROOF. Second, they have to investigate again if I send a letter stating I need proof based on the LAW. They want me to send proof from years ago. I don't have it. It doesn't work that way anyways. They have to send me what they are using to come to this conclusion. It is not guilty until proven innocent. They can not just report something without providing the evidence. I have asked for the proof by law within 14 days. They have until XX/XX/XXXX ( 14 days from receipt of letter ) to provide me the proof or they need to remove these items immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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 2020-07-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX DOB :XX/XX/XXXX XXXX XXXX XXXX   POLICY XXXX BUSINESS NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EMAIL XXXX XXXX XXXX NUMBER XXXX XXXX  EVENT NUMBER XXXX PERSONAL, FAMILY, HOUSEHOLD, XXXX XXXX XXXX XXXX XXXX XXXX. OFFICE OF LAWYERS IDENTITY THEFT DUE TO XXXX  STATE AGENCY & FEDERAL AGENCY DECLAIRED NATURAL DISASTERS.

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