BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to XX/XX/XXXX Equifax, and XX/XX/XXXX certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XX/XX/XXXX Home Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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 non-monetary relief
Consumer complaint received 2019-04-04
Company: Credit Plus Inc
State: NY
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:
I do not authorized This company to run or check my credit there is no prove signed or verbally to confirm my concern. Unprofessional costumer service rude and XXXX. They not try to resolve my problem but they answer back with attitude. All the conversation I have with there costumer service is voice recorded and will be upload and everybody will know with what kind of company deal with. They respond that they are 3rd party company and they run the credits behalf some other companies such I don't have no idea what they are and why they looking on my personal info and when you contact them after they broke down your credit they offer you service to repair and ask for a money to remove inquires this is a rip of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: EQUIFAX, INC.
State: NC
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/XXXXi submitted some disputes through Equifax. it has now been 32 days. i have not gotten a response or letter within the time frame that the FCRA gives the credit bureau to respond back to the consumer. I am requesting that all negative items of inaccurate information be removed from all three credit reports! following Equifax first please i have been calling and emailing. sent disputes this has been on going for a while since XX/XX/2016. If not i will be reporting to the Federal Trade Commission to  see if any legal action can be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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 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/DEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX XXXX/DEPT OF ED XXXX Balance : {$9000.00}

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 2023-05-15
Company: Bread Financial Holdings, Inc.
State: FL
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:
Fraudulent account opened in my name with a large credit limit and balance already posted. Contacted bank to suspend account. Account opened on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12
Company: Simon's Agency, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not approved these medical reports. These " medical seevices '' were definitely a result of some misusing my information and requesting something I didn't approve. I was at a doctor office who practiced illegal actives and went to prison so I'm assuming it was there it happened. I also have medicaid which covers everything I have done with no copay so this debt furthermore makes no sense. I habe disputed the charge with XXXX and got nowhere. It it the debt with central tax and XXXX agency. I would appreciate any help getting this resolved. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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 am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Months ago I addressed an account on my XXXX Credit Report that had a XXXX/XXXX XXXX account listed. This account in no way belongs to me. It is continuously hindering my ability to obtain credit and I need it removed immediately. The amount is {$400.00} and it says paid. I have attached XXXX and Equifax reports. Neither of the reports contain this XXXX account. Other than this negative remark on XXXX I have exceptional credit. I am highly disappointed that it has not been corrected and frankly feel violated. This issue needs to be rectified Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Nelnet, Inc.
State: GA
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:
From XX/XX/2019, the loan payment has adjustment per income which I agree and the agreed amount was debited automatically. But, Nelnet indicates that the old, prior monthly payment amount, was also due at the same time ( in XXXX ) as the adjusted amounts and shows that there is a late payment for XX/XX/2019. On top of that, they charged interests of the invalid late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
Consider this as my Follow-up complaint to ensure that these items must be removed : XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/2022 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 XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX I complained to question the listed items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.

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 2019-04-04
Company: BANK OF THE WEST
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 information incorrect

Complaint:
Due to an auto accident in XX/XX/2017, and not reaching a settlement with the insurance company over medical bills, we were forced to seek relief through bankruptcy. We have 2 accounts that show as included in the bankruptcy proceedings, that had no balance, and were paid off well before the bankruptcy was started. All other open accounts that were required to be listed in the proceeding that had no balances show a satisfactory rating, except these 2 accounts, and they refused to change that status, that shows on our credit report as adverse accounts. We disputed the accounts through the dispute process with the credit bureaus, and have contacted the companies directly, to no avail. 
All we are asking is that the status be changed, due to them not being included in the bankruptcy filings, only listed by law, which will change the status to satisfactory.

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 2023-10-18
Company: Resurgent Capital Services L.P.
State: NC
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:
Someone stole my credit card and ran up XXXX worth of credit card fees. I put a police report in and it is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: LAW OFFICE OF JOHN E. LINDNER P.A.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the Law Office of John E. Lindner in XX/XX/2018 threatening to sue me on behalf of XXXX XXXX XXXX XXXX XXXX over debts of which I had no knowledge. The total amount of the claim was {$2000.00} and cited various charges over a three-year period. While I was working to resolve the billing issues with XXXX and my insurance company, the debt collector filed suit and set a court date. Between my insurance and myself, the majority of the debt was paid. However, my insurance advised me that they do not see any reason I would owe the additional amount. I wrote the debt collector, including proof of payment for the debts that my insurance company found to be legitimate, and requested details on the other debts. Given the billing issues I had already experienced with XXXX and the fact that I never received a bill in that amount and my insurance company does not show a copay in that amount, I need proof that this is a legitimate claim. The debt collector did not provide details on the claim in a timely manner and continued with the law suit knowing that the debt was being addressed. When I called the debt collector the Friday prior to the scheduled court date, the debt collector refused to cancel the court date and law suit despite a major portion of the debt having been paid and them failing to provide details on the additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion is reporting my previous residence addresses incorrectly. Some do not exist. They do not show correct information regarding the length of time I have lived at my current address. They could/would not tell me who supplied the wrong information. 
Despite trying to remove incorrect & obsolete phone numbers... they still show. 
My employment history is a mess. Misspelled employer, inaccurate length of employment times. Occupation incorrect. No data for the last 6-7 years I was employed. 
Rude, unknowledgeable chat employees at TransUnion. They do not know how to answer questions regarding issues, so they end the chat.

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: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection from I C SYTEM THAT SAYS THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT AND DO NOT OWE THIS COMPANY. THIS LOOKS LIKE FRAUD {$370.00}

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 2019-04-04
Company: Debt Recovery Solutions, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously disputed this debt prior to XXXX of 2018 and it was removed from my credit report. I checked my report and see it is being reported again by DRS. This debt is old annd I have received no notification that the account was sent to an outside collection agency in the first place. This collection agency and the original creditor XXXX are in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
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:
On XX/XX/2018, a hard inquiry was placed on my credit report from One Main. Unfortunately, I was not offered credit 'after ' the inquiry was made. I have since contacted One Main requesting the inquiry be removed from my credit report. The Fair Credit Reporting Act states, 'The only permissible purpose for pulling anyone 's credit is A ) A FIRM offer of credit B ) Insurance C ) Employment or D ) A court order. A firm offer of credit is defined by the Fair Credit Reporting Act as 'any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet specific criteria used to select the consumer for the offer. '' I was selected for the offer of credit via USPS delivery of an offer/application, however, my application was denied, therefore, the 'offer of credit ' was not 'honored. ' As a result, and according to the FCRA, One Main is required to remove the inquiry from my credit report. Subsequently, I've made contact with One Main via USPS and requested the inquiry be removed. Unfortunately, my request has been denied. Conclusively, One Main has refused to adhere to the requirements of the FCRA. As a result, I'm demanding complete removal of One Main 's inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am not an attorney or a third party. I am filing a complaint on my own behalf because it is my legal RIGHT to do so. I recently found a company that I do not recognize on my credit file from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I am requesting that this account be deleted for the failure of proper notification. I can not find any legal document that states XXXX XXXX XXXX XXXX is an entity that can legally enforce a claim upon my person. I believe this to be an error as well as a HIPPA Act violation too!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: VW Credit
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. XXXX  account ending in XXXX, has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states A consumer reporting agency can not furnish a without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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 : {$22000.00}

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 2023-10-28
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a dispute letter to the company in XX/XX/2022 regarding a lender reamortization of the loan which increased my debt to higher than the original amount and increased the payments. Also included in that letter was a notation from the dental practice provider that they ( dental provider ) subsidized the loan to give me 0 % interest instead of a XXXX XXXX interest rate. Company failed to acknowledge the dispute letter sent, company failed to respond in 60 days to dispute. Phone calls went no where to arrive at a solution. Accounting procedures are very shady and XXXX payments have never been credited to the account and despite providing proof, they will not credit the uncredited payments. Company has started charging a ~ {$2.00} foreign exchange fee ; the company is domestic. Calls to the company regarding this with the response being insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
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 XX/XX/2017 in my divorce paper the loan for a Motor home with Huntington NTL Bank {$27000.00} was suppose to be removed from my name and my ex husband was suppose to take care of that. He has not removed my name so it's still showing up on my credit report and I can't get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Porania, LLC
State: NJ
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 want to removed these accounts : 1. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-31
Company: CL Holdings LLC
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Jefferson Capital Systems , LLC acquired an overdue debt from XXXX XXXX in the name of XXXX XXXX, reflecting an outstanding balance of {$14000.00}, approximately XX/XX/XXXX. The outstanding debt is related to the purchase of a XXXX XXXX XXXX To accommodate the refund of the balance, I was given a payment of {$3000.00} as a total payment, payable in 48 monthly installments of {$62.00}. To take advantage of this special rebate plan with discount, the first payment must be made before XX/XX/XXXX. I could not make any payment since there was a reduction in my work hours to 20 hours per week at {$7.00} per hour with a salary Week of {$690.00} monthly. Unable to comply with the payment, deliver the bus as a guarantee. In addition, the bus suffered damage with the passage of Hurricane Maria and had to take a loan to XXXX to secure it. Currently Jefferson Capital System has sued me and they want me to pay the amount of {$14.00}, XXXX. This situation is affecting my health. I need you to help me since I don't have the money for a lawyer.

Company response to consumer: Closed with explanation