BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: MA
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:
Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX XXXX XXXX through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago. What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2018-08-01
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have never heard of a stand alone bank where when it eats your cash deposit and card that they destroy card and take up to 10 business days to credit your account..and then charge you {$25.00} to expedite your new card.had I known this was standard procedure I wouldnt have used that branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureau 's are illegally reporting inaccurate 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 explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: MA
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:
Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX XXXX XXXX through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago.  What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notice from XXXX XXXX that U.S. Bank had done a hard check into my credit history. I do not have an account with them and never have had one. I called them today ( XXXX/XXXX/17 ) to find out why. Someone has applied for a credit card using my ss #. I dont have any credit cards and hopefully never will again. I paid mine off years ago. This application needs to be denied and the report removed from my credit history. I dont need a crook messing up my good credit standing.

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 2021-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX Visa Card through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago. What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.

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 2023-05-25
Company: Siggi LLC
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Omni financial loan was charged off in XX/XX/2018 to collection agency called XXXX XXXX XXXX it is still reporting late every month on credit report. Spoke to collection agency that took over original account 3 times asking them to provide documentation of when this was turned over to their offices they refuse to provide anything with this information on it. They refuse to offer a pay to delete to pay it in full to have it removed from my credit as well. Amount due is now {$3500.00} Amount has been increasing in interest although it is charged off and is more than what was borrowed. This company has been ordered in court to pay out a settlement to service members in the past as well for their corrupt ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
A dispute was found invalid and deleted from my Transunion report. Two days later the same company " Changed their company name '' but with same address, account number etc. added {$3.00} to change the amount!!!! It was already deleted from my report per Transunion!

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 2018-08-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX 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 2020-09-18
Company: TD BANK US HOLDING COMPANY
State: MA
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:
GOOD AFTERNOON/ HAPPY FRIDAY! - I was shocked when I reviewed my credit report again during COVID-19 and found late payment on XXXX AND XX/XX/2018, plus your reporting wrong balance as current, where i was told that it would be deferred and put in the back of the loan : I am not sure how this happened, but i also checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, this account continues to report incomplete information, such as wrong balance, different late remarks on different bureaus, not the same month, inconsistent payment history, etc. This can not be accurate and I really don't want to waste any time going back and forth. This account is unverifiable and wants it deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Opportunity Financial, LLC
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 a loan which is now settled with Opp Financial. I would like for Opp Loans to just reflect my credit report as such. Ive called in, file disputes and they keep updating my credit report as file remains, although it has a XXXX balance. As I paid on the loan amount, it never reflected in my credit report they just kept reporting it as past due {$970.00}. I really just want them to update my credit report so I can move on from this! They blame the credit bureau for the delay in reporting but the credit bureaus say they submit the info as soon as they get it. I have the letter reflecting the {$0.00} balance. I submitted to XXXX. Why do they respond that the account remains as is with {$970.00} due. Opportunity Financial, please just update my file. Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have reported since XX/XX/XXXX to bank of America fraud and suspicious activity. XXXX  researched my complaints and after her intense research as her XX/XX/XXXX letter states my complaints have grown substantially.

XXXX  states in her letter that she was sending me the original signature cards for all 3 accounts XXXX XXXX XXXX XXXX was not original from XXXX I and XXXX  that is stated on her letter sent to cfpb says she included the XXXX. Original signature card. False.

I still am requesting all original signature cards for court. It is going to prove my complaints.

XXXX  letter also states falsely that I notified boa on XX/XX/XXXX of my new XXXX XXXX address XXXX XXXX nc XXXX   when she stated I opened the account solely in my name. False.

I did not open a boa account in XX/XX/XXXX. I did not report my address change on that date either BECAUSE THE UNITED STATES POST OFFICE OF XXXX XXXX NC XXXX RECORDS SHOW I did not have XXXX XXXX   XXXX XXXX nc XXXX  ON XX/XX/XXXX. I HAVE THE RECORD showing a date of XX/XX/XXXX as per attached application I am hereby again requesting boa to produce all original signature cards and documents from my XXXX  account as per boa and the XXXX XXXX. I NEED THESE FOR 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 2022-12-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I called Equifax because I noticed unauthorized inquiries on my report. I gave the rep a list of all of the inquiries that I had no recollection of applying for credit. I also informed the representative of the Fair Credit Reporting Act that requires all unverified and unauthorized items must be removed from my report. The rep told me that there was nothing he could do and that inquiries would be on my report for 2 years. 

XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  XXXX. 
Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a new car on XX/XX/2018 from XXXX XXXX XXXX XXXX, who sent the payoff and a subsequent extra lease turn in fee to Honda Financial Services. Honda Financial Services refuses to post the payment and close my account. They are calling me daily to threaten me with late payments fees and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 a victim of identity theft. The accounts, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appearon my credit report, does not relate to any transactions that I have made. It is the result of identity 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 explanation
Consumer complaint received 2020-09-18
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called the Banco Popular at ( XXXX ) XXXX prior to XX/XX/XXXX to close my XXXX XXXX Visa credit card account ending in XXXX. The account had no balance, no outstanding obligations, and the request was verbally confirmed by an agent over the phone stating I would receive a letter by US mail. On XX/XX/XXXX I viewed my credit report and found the bank had not closed the account as requested and had since been charged an annual fee of {$140.00} in XX/XX/XXXX. I called the same number on XX/XX/XXXX and agent named " XXXX '' refused to close the account and credit the fee that would not have posted had the original close request been executed as requested.

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 2020-09-18
Company: SYNCHRONY FINANCIAL
State: MA
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:
Hi, I'm not sure what's going on but I was told that this charge off account from Old Navy Visa Card through Synch ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago. What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.

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 2018-10-02
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments to Navient for 2 years. The amounts going to the interest should be decreasing not fluctuating from different months. For example, my monthly payment is {$430.00} first payment made on XX/XX/XXXX {$79.00} principle and {$350.00} interest. One year later XX/XX/XXXX {$85.00} principle and {$350.00} interest. Earlier this year I began making payments 2-3 weeks earlier then due date. On XX/XX/XXXX I made the XX/XX/XXXX payment, {$200.00} went to principle {$230.00} interest. On XX/XX/XXXX the entire {$430.00} went to interest. I contacted Navient, first representative, XXXX, put me on hold and disconnected me. I call back the representative, XXXX XXXX, not sure of spelling, told me because I made the payment early, there was 40 days of interest that had accrued and this is way they took the entire payment for interest. I told him the payment is not due until the XXXX and he said it did not matter. I am not a fool and this is a lie. I have been making my payments on time and Navient allocates they payments the way the chose. I know about the lawsuit filed against them, so I am not the only person. We struggle to make our payments and should not be treated like this. Your attention into this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account multiple times and Equifax removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

XXXX XXXX Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. Equifax is continually allowing creditors who are unauthorized to access my information and this is against my rights.

Company response to consumer: Closed with explanation