BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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:
Experian and XXXX  are displaying a serious delinquency of 60 days or greater in violation of the of the FCRA. 

Backstory : I was entitled to the post 9/11 GI Bill and the school, VA Education Office, and VA DMC reported a BAH ( basic allowance for housing ) overpayment of XXXX which they sent to collections in XXXX of XXXX during their internal retroactive audit. I graduated in XXXX. According to the VA, the school I attended allegedly adjusted a course I was enrolled in which led to the BAH overpayment. They VA are fixing their internal process issues as they have antiquated notification systems. I had paid it immediately when XXXX via XXXX XXXX notified me of the account with no will for evasion. 

On topic, this was an overpayment and not a loan, so it is erroneously being reporting as a collection because I never agreed to borrow that money. An overpayment doesn't constitute money borrowed and legitimately can't be reported as collections for debt. 

I am handling the details of the VA 's failure with the state via constituent reporting to the offices of the Senator -- but it will take time. I contacted Experian and XXXX  multiple times and they have not corrected disputes via their online system given the details that this was an overpayment nor have they responded proactively. XXXX  shows my normally " very good '' score so I do not have any issues with them. 

I feel this is a direct violation of the fair credit reporting act as it is a false identifier of my credit and is causing me financial burden. Thank you.

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 2020-12-01
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: Information belongs to someone else

Complaint:
I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.

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 2018-09-24
Company: MOHELA
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: Old information reappears or never goes away

Complaint:
I have XXXX closed student loan accounts showing up and they were paid and Ive contacted the creditors to remove the inquiries, I also am needing to dispute recent inquiries

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-11-16
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XXXXXX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: BlueChip Financial
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX I applied for a Payday loan with XXXX  in the amount of {$500.00} at a 390 % APR. At the time was unaware that in NJ paydays were not legal due to usury limitations. 
In XX/XX/XXXX I submitted a complaint with CFPB - complaint # XXXX since the loan had been sold to a third party debt collector who offered information that was inaccurate along with negative FCC reporting. 
XXXX did respond to the complaint, and stated they were undertaking to but back the loan, and once XXXX received ownership of the debt XXXX   would forgive the debt and settle account in full. 
However, I have received a document from WRA ( XXXX XXXX XXXX XXXX XXXX ) stating I owe {$500.00} from the original creditor being XXXX   with a balance of {$500.00}. Also, they have labeled this debt as an EDUCATION LOAN. This is not only misrepresenting the debt .. it is also an inaccurate amount. 
I would appreciate clarification in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Home Depot only allows you to pay them with a routing and account number. They took almost 14days to take a payment I made and it bounced. First issue ever... They closed my account immediately. I've continued making my monthly payments but they haven't reopened my account as they said they would

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 2020-05-14
Company: Earnest Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My complaint is with Earnest/XXXX  who I recently refinanced my loans with. I was informed on XXXX ( Friday ) that my payment via autopay was rejected even though this is the same account that was used to receive a refinancing bonus. When I went to make a payment online, I was charged twice the amount. There is no option on their website to alter the scheduled payment amount, which I find to be preposterous. I was debited twice the amount from my account the following Monday. The website also stated that my autopayment discount would not be applied to my loans. As of XX/XX/14, I still have not received the second payment and I was informed by a customer service representative that their systems do not allow them to update autopayment accounts online. She asked that I submit paper form with the same information I have already submitted online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CL Holdings LLC
State: VA
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:
On XXXX XXXX, 2020, JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX  XXXX is continuing to report a fraudulent account to my Experian credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and Experian along with my 605b FCRA request to block this fraudulent information from my report. ( XXXX   and XXXX  have complied already ). 

XXXX  XXXX is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA.

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 2018-07-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had over {$13000.00} stolen from my account by an employee who had taken several checkbooks without my knowledge and wrote himself checks and forged my signature. Because I didn't catch the fraud within 30 days, the bank is refusing to cover the stolen checks. Many of the checks were cashed at the bank itself over a span of over 2 months. I find it ridiculous that if it is caught within 30 days you are fully reimbursed, but if it's over 30 days, you are reimbursed nothing.

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 2020-05-29
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:
SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX  XXXX  FTC VIOLATIONS FILED AND SENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX Synchrony Bank ( XXXX XXXX ) lowered our credit limit to the balance on our card. When I called them on XX/XX/XXXX to find out why this happened because my XXXX credit reporting sent me a notification that my credit limit had been lowered which in turn made my credit score go  down. 

When I called Synchrony Bank they said they check my credit and determined my credit rating by looking at my balance on my other cards. I did not give them the right to check my credit and I have paid this card off completely one time since opening in XX/XX/XXXX. I also pay more than the monthly payment. I feel I am being discriminating against and I did not authorize them to check my credit. I am requesting they be fined and they are required to pay the balance on the card {$1800.00}. 

We recently purchased a house and had to purchase items for our house. Please let me know what you find out. 
Thank you, 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 2021-01-26
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:
i have disputed " XXXX XXXX XXXX '' with Experian, XXXX, XXXX multiple accounts and it seems all these accounts have been removed from my XXXX  reports and it hasn't been removed from Experian & XXXX and all bureaus are supposed to have consistent information. it is a charged off with a balance on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called back in XXXX to settle this account after they switched to a new collection agency for a XXXX  XXXX  account. We agreed to 3 payments of XXXX appx. They took the first payment in XXXX, all events are for year 2018,. After the first payment I called back within that same first week and asked to cancel the arrangement because I could not afford it any longer and I was moving soon. The representative was very rude and threatened to report the account back to the credit bureau under the previous full balance versus what I even just paid. She told me she would cancel the arrangement and when I asked to speak to her supervisory regarding her service she refused and told me no supervisors were available when I called back I was placed on a block list. I called back today XXXX to find out why they charged my account again I spoke with a very rude supervisory who began to raise her voice to me and yell. I asked to speak with her manager because I wanted the previous call reviewed in XXXX she told me she would not do that nor did she have available and begin to get really rude saying I could call back and speak to a supervisory who was her equivalent. Once again when I tried to call back to customer service my number was blocked and I did record it this time. They charged my account when I asked to cancel the arrangement and refused to resolve the bill error they caused and threatened to report the full amount less the one payment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX I received a XX/XX/XXXX notification that my credit score dropped over 100 pts. 
I discovered that a credit card with XX/XX/XXXXCitibank was opened fraudulently. I called the company in XXXX after placing disputes through XX/XX/XXXX. 
Citibank told me they sent my account to fraud. The account was closed a couple months later, after my score dropped even lower. 
Today XX/XX/2020, I called citibank again because my credit score is still in the low XXXX, when it was previously high XXXX. The agent today told me that my account was never sent to fraud, and that it was only closed. I asked for him to send my account to fraud. 
I calledXX/XX/XXXXand they advised me to send the fraud report to FTC so that I can receive a letter to send to them to further investigate the fraud.

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 monetary relief
Consumer complaint received 2018-12-04
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
every month i make my payment at PNC XXXX XXXX branch XXXX XXXX XXXX. I always pay extra and advise them to apply the over payment to my principle balance. When i went today to make my payment they did not want to take it as they said i owed less than the {$400.00} cent payment. the only way this could have happened is if they miss applied some of my other over payments. I have talked with a few other PNC bank customers whom have this same issue happen with over payments. it sounds like PNC bank has a system in place to maximize the interest and fee 's they charge customer. I would like you guys to do a full audit on my loan # XXXX with them to ensure they have done everything correctly. I would also like you to order them to revamp there payment coupon and add a line for extra principle payment to prevent them from robbing hardworking americans who pay extra so they can pay off there loan early and reduce the amount of interest paid actually have there extra payments go to the loan balance instead of being held in a non interest bearing overpayment account and applied to the next payment on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was paying my bill monthly until I lost my job, and my income was very slim. I called them about it and said I could pay an amount of XXXX monthly and that I wanted to close my account to help keep the interest from overloading me. and they said they would not accept it so I said you will if you want your payment, because that is all I have.this is my paypal account. and I want to get it straightened out so I can get it off my credit. I can pay XXXX a month until I get it paid off and that is the best I can do. All I want is to get to get this straight and I am not asking a whole lot but that is what I can afford, and you can look that I was paying every month until last year. Can you please help?

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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.

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 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Received edd card on XX/XX/2020 and atm ate the card on XX/XX/2020. Ive reached out and the account got a hold. I was never given a reason why my card was taken to begin with. Ive contacted Bank of America through customer care, done a customer care contact form, emailed govandcorp@prepaidcard.bankofamerica.com, visit Bank of America on twitter and still nothing has come of it. As a direct result of this I have been evicted and I wish to settle this once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation