BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: OneMain Finance Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/, I received the first collection mail from the creditor name One Main Financial for the loan amount {$12000.00}. I ignored the first letter doubting and thinking it could be a scam. Upon receiving the second mail on XX/XX/, demanding the loan amount {$14000.00}, i took the letter content concerning. i called the creditor Customer service to enquire about and dispute .After questioning and informing that neither i applied for the loan nor i took the money. The One Main agent XXXX, to my response informed me that i had provided my Social Security ID, along with my Identification and W2 form from XXXX. I have the recording of the call. One Main claimed that the W2 form from XXXX was submitted, whereas i have never worked at XXXX but only in Service sector. I disagree and claimed that the loan was taken by me and i have never taken any loan in my life, then the agent stated that it could be fraud. My call was transferred to One Main Financial fraud department. Then i spoke to the One Main Financial fraud department agent name XXXX, I was instructed that One Main agent will file a fraud case for the victim of fraud .I was asked to submit, an notarized affidavit along with a photo copy of my State ID, proof of resident ( XXXX  mail ) and Social Security , and inclusion of police report However i could not file a police report as i needed the location of information and the time of fraud. 
I called couple of time to One Main to request the information of the time and the location of fraud. They were not confident to provide the information but only the time of opening an account and the date. On XX/XX/2022, Time XXXX XXXX XXXX the account was opened. Going back and forth with One Main agent, it delayed me to file a case at the Police station. 
The first investigation was submitted without the police report. Their investigation was concluded the police report was missing, and the loan application was not a fraud case but it was valid, which i still disagreed and dispute. 
Since i had Police report, i disputed the first investigation conclusion. On my second dispute I submitted the Police report. The second investigation was again concluded with statement that the account was not fraudulently obtained and remained a valid debt in my name. 
I sought help from XXXX, their investigation was concluded stating that the loan was obtain by me. 
The creditor One Main account information is still showing under my credit report. 
Since i have drained my source of help, I request CFPB to help me investigate to the depth. I do not own a debit account other than XXXX bank. I have not loaned above mentioned amount ever in my life. 
I am the victim of Identity theft and fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: VA
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
this institution as permanently closed due false claims against thousands people including myself they promised us all who attended or was attending this lame XXXX institution a bright future down the road but  was all lies they scammed us into loaning millions of dollars to honest people who wanted a education to better themselves until they didn't or better yet failed at it but now the u.s dept. of education want 's us to pay back money that was given to us by this institution that XXXX i will no longer pay anything i will continue to fight this matter until those who were victims including myself get our loans forgiven i will keep filing complaints until my voice is heard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX, has. violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$4800.00}

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 2020-09-12
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers!

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ...

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
I found inaccuracies on my report. 

XXXX Account # - XXXX Date - XX/XX/2022 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers! 

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ... 

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!

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 2020-09-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I was charged an unexpected XXXX $ fee due to TD Bank 's misleading. 

On XX/XX/XXXX, Monday, I called TD bank to see how can I pay my college tuition to a XXXX university ( University XXXX XXXX ) with my American bank account. The amount is XXXX $ and an additional 1.75 % convenience fee which was XXXX $ ( in total XXXX $ ). 
Meanwhile, I also had the bank wire transfer information on my hand and asked if I could do a bank wire transfer online considering the pandemic. 

I was suggested that No you have to do bank wire transfer in person and bank wire transfer would cause a fee ( XXXX $ ) and you would want to do it with your card to avoid this fee. Thus, I used the debit card and paid this fee online. During my previous calls with TD bank ( on XX/XX/XXXX and XXXX ), I also inquired if there would be other fees despite the tuition and the convenience fee. All customer service staff I talked to were not aware of the international transaction fee. 

However, after a few days, I found I was charged XXXX $ and XXXX $ international transaction fee by TD BANK. I was misled to pay XXXX $ to avoid the XXXX $ wire transfer fee. I felt shocked and called TD bank immediately and illustrated my situation to the customer service staff. He contacted his supervisor. they just kept saying sorry for my loss and they would educate their employee and asked when did I call. However, they told me they didnt have the authorization to refund these two international transaction fees. 

On XX/XX/XXXX, I went to the local branch of TD BANK ( XXXX XXXX XXXX, XXXX, MAXXXX ) and made a complaint about this issue. The local assistant managers XXXX and XXXX were responsive and told me they would have to ask their supervisor and gave me feedback on the next day around XXXX. They were not familiar with this fee, neither. 

On XX/XX/XXXX, I didnt receive any call thus I called the bank. XXXX told me they would need to do an investigation and asked when did I call. I replied. However, I didnt receive any call after that. I called on XX/XX/XXXX and XXXX and be told it was still under an investigation. 

On XX/XX/XXXX, I found I was charged a XXXX $ maintenance fee because I failed to keep a minimum daily balance ( and it was because I was charged the international fees ). 

Now, it has been another whole week but I still did not hear anything from TD Bank. 

Thus, I would want to ask help from you to see if you can contact somebody in the bank who would have the authorization to compensate for my loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-12
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 is missing that should be on the report

Complaint:
Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers!

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ...

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I  feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!

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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted Transunion and XXXX several times about a chapter XXXX dismissed bankruptcy that is on my credit report. I have contacted the company XXXX XXXX in which they state that they verified ; however, XXXX XXXX does not have it in their file as it isnt mine. Transunion nor XXXX will provide me verification letters.

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 2020-09-12
Company: Avant Credit Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company encourage me and others to enter into a deferment plan when the Covid19 pandemic initially hit. Every time we logged in to the website, there was all sorts of information about how they could help relief during this time if you were laid off, place of employment shutdown, etc. The representative told me that my 3 payments would be due at the end of the loan and that payments and interest would be deferred. He explained that He explained that there would still be interest, but it would be deferred like the payment. The website also made that seem very easy. I was happy because my business had to shutdown and it took a burden off for a  while. My XXXX, XXXX and XXXX payments were deferred. I did not have to start back making payments until XXXX. However, they really did not help me. When I started making payments in XXXX ; every dollar of my XXXX and XXXX payment went towards interest ; all {$800.00}. The last payment I made before Covid19 hit was in XXXX and only {$170.00} of the payment was interest. I feel that this company used the pandemic to capitalize on consumers by misleading them in order to get more money in interest. They really did not help me during this time because now I actually owe more money than I would if I had just scuffled and tried to continue to make the payment. They used misleading tactics and actually encouraged consumes to utilize their forbearance plan in order to charge more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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 have no outstanding balance with this company and requested validation of this account about 7 times already. 
I have never received a single piece of paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: VA
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 need for you to send me the signed documents that has my signature that I had these accounts. And I need proof from these companies because you are violating me as a consumer. You as a Credit Bureau must show me proof from these companies that you said was verified and will remain on my account. If you can not furnish this information within 15 days you must remove all collections and closed accounts ASAP XXXX XXXX XXXX XXXX {$480.00} XXXX. XXXX {$300.00}

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 2023-02-06
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:
I have disputed a bankruptcy with Experian and XXXX twice and they have failed to follow the law. After reviewing my credit report I noticed that there is STILL a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. PLEASE SEE ATTACHED BANKRUPTCY LETTER. Experian and XXXX is also violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. Activity and continuous violations are causing me great injury as Experian and XXXX is preventing me from receiving credit to support and sustain my family. Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. As required by FCRA 611 ( a ) ( 7 ), no information was provided after the 30 days.

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 2020-07-15
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020. We are attempting to get our mortgage refinanced. We logged in to the account at Experian and filled out the required information. The page eventually showed our account as unlocked so I informed the bank we are working with. When the mortgage officer attempted to access the file, he was told it was unlocked. I went to the website, looked at the page, took a screenshot where it said " UNLOCKED '' - it it WAS NOT! The bank called and told me, so i attempted to go through the phone number at Experian. That would not work either. I am disappointed and frustrated at the lack of a " REAL PERSON '' to talk to. After all, it is MY INFORMATION they are holding hostage!! Please lodge my vociferous complaint!!

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-01-10
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: Information belongs to someone else

Complaint:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX 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