BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: OneMain Finance Corporation
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have borrowed several times from onemain financial. The meeting went the same way it always had. This time I went to borrow XXXX to consolidate some credit cards that was fully maxed out. I knew I couldn't get much, I had 1 full time job for XXXX, and another that paid me XXXX and I was only used for on call. XXXX did some figuring and said I could borrow up to XXXXXXXX XXXX that was a tempting number. he said he could make so I wouldn't have a high payment, so I asked for an extra XXXX so all together I took XXXX at XXXX a month I added insurance protection so the final number was XXXX XXXX Unfortunately I had lost my job. after a couple days I called One main and explained to her, and I wanted to know how my insurance would help me with my loan until I was able to find another job. she asked me still had 2 jobs what's the problem, The problem is i was accepted for XXXXXXXX XXXX because he wrote that I HAD 3 FULL TIME JOBS ITS AN XXXX XXXX. I lost my job on XX/XX/2022, my bill was due on the XXXX XXXX XXXX XXXX doesn't work there any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: SC
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 Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and removed from my credit report.

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 2022-01-20
Company: EQUIFAX, INC.
State: SC
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 Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was living in an apartment at XXXX XXXX and was forced to find a new place to live because of an overgrowth of mold. XXXX XXXX would not treat or remove the mold and it was affecting my health. XXXX XXXX reported a collection account on my credit report, so I hired an attorney and proceeded with litigation in XXXX of XXXX, resulting in a financial settlement of {$2500.00} from XXXX XXXX to myself. In addition, it was ordered to remove any collection account notifications from my credit report. It is now XXXX and the collection accounts are still reporting on my credit report. I sent disputes to XXXX, XXXX and TransUnion and included copies of my records from the settlement, including the owner and manager 's signatures. Since those disputes were submitted, instead of removing the accounts from my report ( as court ordered ), on XX/XX/XXXX the accounts have been updated from an 'open ' status to a 'closed ' status. 
In addition, TransUnion is now reporting the account TWICE with completely different balances. I have already gone through court for this account, I have sent the results of the settlement to XXXX, XXXX and TransUnion. They are court ordered to remove the accounts, but now they are damaging my credit even more? It has caused me to be denied by mortgage lenders and is preventing me from obtaining further credit, Ireally do not understand how or why they are not only refusing to abide by the lawsuit settlement, but now they are making it worse. It almost seems like it's intentional? I did not have any issue in pursuing litigation with XXXX XXXX after they began to damage my credit, I will not hesitate to pursue litigation with TransUnion, XXXX, XXXX and the collection company XXXX XXXX XXXX. The only thing the bureaus have to do is verify the information I sent them, now they are damaging my credit more?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: MS
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$2900.00} XXXX  XXXX Balance : {$32000.00} XXXX  XXXX Balance : {$33000.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian refuses to remove fraudulent collection activity from my credit file. 
1. XXXX has been trying to collect for a XX/XX/XXXX XXXX closed account and lists it as a new account. They recently posted the XX/XX/XXXXaccount as XX/XX/XXXX account. Experian investigation found this procedure to be fine and refused to remove the account from my credit file. XXXX hits my credit every three months.

2. Experian is currently being used by Property Managers in Montana and Florida to issue rental apartments. Experian is being used to meet their fair housing guidelines.

3. Experian is allowing old information to be reported as new - as long as the collector is new.

4. Experian is reporting the total amount of my student debt without providing full disclosure regarding the payment value and or account payment histories. 

5. Experian is not reporting debt paid in full for over twenty years of credit history 6. Experian is reporting paid debt - as charged off debt 5 to 6 months after the payments are satisfied.

7. Experian is being used by Property Mangers to deny housing without any real consequence

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 2019-08-13
Company: Experian Information Solutions 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:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT REPORT

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 2021-09-03
Company: LEXISNEXIS
State: RI
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I went to see a primary doctor affiliated with the XXXX XXXX. For that service, I received a bill for {$240.00}. My insurance company XXXX paid {$70.00}, and I paid the remainder of {$170.00} on XX/XX/XXXX. Thereafter, I received another statement for {$140.00}, listing an " adjustment '' of {$41.00} to the previously billed amount. Nonetheless, I emailed and called XXXX to inform them that this bill was paid in surplus of what I owed ( since my payment of {$170.00} is {$37.00} over the actual amount I owe ). This also begs the question of this hospital 's billing system since the first bill I received was in error on their part, and for an inaccurate amount! Rather than to rectify this issue, on XX/XX/XXXX, I was notified that XXXX sold this account to a collection agency called PMS ( Progressive Management Systems ). Upon learning of this, I immediately sent them proof of payment with an explanation of what had occurred thus far with XXXX. On XX/XX/XXXX, I received a letter from PMS stating that the payment was not credited to my account, but rather, this payment was " applied to ... outstanding balance for date of service XX/XX/XXXX ''. When asked for proof of their claim, there was NOTHING forthcoming because this was simply not true! 
Evidence substantiates the fact that the payment was made in surplus of what was owed. It is the hospital that has their information incorrect. The date of service for the payment I made is XX/XX/XXXX, not XX/XX/XXXX. 

Again, I submitted evidence which I previously provided to the collection agency and the hospital. Everything I submitted had the SAME INVOICE NUMBER plus the SAME DATE OF SERVICE!!! 

Despite my numerous attempts to clarify this matter, both XXXX and PMS continued to ignore me. Instead, on XX/XX/XXXX, I received notification that a derogatory remark was placed by XXXX on my credit report. As you can see from the attached documents, I have attempted numerous times to resolve this with with XXXX and the collection company. It obviously did not go anywhere as they failed to assist with this issue. 

I have also sent both XXXX and the collection agency a statement from XXXX that clearly states the date of service, XX/XX/XXXX, and the amount paid by my them, leaving me with my responsibility of {$170.00} which is exactly the amount I paid on XX/XX/XXXX. 

Currently, I'm having to spend my time trying to dispute their negligent placement of this account with the credit bureaus. Their negligent act has damaged my credit score and has opened the door for detrimental consequences to come.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX account ( XXXX ) is reporting an account as open. I have called XXXX XXXXXXXX XXXX and the representative says they have no record of this account under my social security number. 

They ask for an account number, which I do not have because the account does not exist. The credit reporting agencies only show a partial account number. Although the account is reporting a positive history, the account is being counted against my available credit and thus, debt to income. 

I have filed an identity theft report as I have been a victim of ID theft.

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 2021-05-06
Company: Pendleton Capital Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am gettin repeatedly harassing and abusive and threatening calls and voice messages by XXXX from Pedleton Capital. XXXX is also harassing and leaving abusive calls to my sister, who doesn't even reside with me. He is claiming they helped onto may asets ( I don't even have any ) and the ratting eagle action and jail. This can't go on and these people should be prosecuted for un-ethical behavior. Real collection agencies by law have to send a letter explaining the debt and not collect money over the phone. The phone is XXXX and they are applying harassing and threatening techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX incorrectly claimed I didn't pay a bill for rental equipment that wasn't returned to them at an address that I never moved to, for equipment that I never requested or received, and then proceeded to ruin my credit. They are in violation of the fair credit reporting act and I'd like to be compensated for them putting me and my family through this during such a stressful time. 

On XX/XX/XXXX I called XXXX  to provide a new address for transfer of services to a new address to begin services on XXXX XXXX. I called back the next day to let them know I will no longer be moving to that address and to cancel that order. They confirmed several times that order was cancelled. I moved on XXXX XXXX to a different address and continued XXXX  service at that new address, so they continued to have all of my contact information and knew how to reach me. I've never paid any XXXX  bill late in the many years I've been a loyal customer, which they confirmed to me several times, which is why what happened next is even more frustrating. 

They NEVER ATTEMPTED TO CONTACT ME via tel/email/mail to let me know that they THINK I owe them anything before sending an incorrect supposed debt off to a collections agency on XXXX the XXXX called Amsher Collections Services, which also NEVER ATTEMPTED TO CONTACT ME before reporting the fraudulent debt WHICH I DO NOT OWE on XXXX, to the national credit reporting agencies thereby damaging my credit significantly. In fact, the only way I even knew this was a debt they were attempting to collect was AFTER my credit monitoring report let me know that my credit decreased by 100 points! I never was made aware of this attempted debt collection prior to this ding on my credit report and had to research how this happened after the fact. 

When I called XXXX/XXXX  customer service they confirmed that I do not owe them anything and that they likely lost their own equipment. They also confirmed that they saw in their files that I never received service or equipment at the address that I was sent to collections for. Nevertheless, after speaking with 2 different representatives, they refused to tell the collections agency to correct the fraudulent charge until they complete an 'internal investigation ' that clearly, has nothing to do with me. How is this legal?! 

I believe both XXXX/XXXX  XXXX  as well as their collections agency, Amsher Collections, to be in violation of the Fair Credit Reporting Act and I must insist on immediate correction of my credit report as well as compensation for the damages this has caused to me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates bought my account from XXXXXXXX XXXX and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-08-03
Company: SYNCHRONY FINANCIAL
State: AZ
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 received notification today that Synchrony Bank has lowered the credit line by XXXX dollars. I am not behind on the account and all payments have been received. I am due a 45 day notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Public record information inaccurate

Complaint:
I recently noticed an account placed on my credit report. I was unable to access my credit report for several months but the representative helped me resolve the issue. I would like you to look further into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/21 a letter was sent to credit reporting agency disputing accounts on my credit report. I demanded to see verifiable proof that these account belong to me. It has been well over 30 days and have not received a response or conclusion of the investigation

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