BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
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: Account status incorrect

Complaint:
XX/XX/2019 late payment when payment wasnt late effecting my credit report negatively.

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 2021-10-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX, XXXX, and Experian for the last year or so regarding inaccurate information that is being reported on my credit file concerning bankruptcy. Every time I would reach out to these three companies, to have them remove this bankruptcy due to inaccurate information, they keep stating the company that reported the information to them has certified to their company, the information is accurate. I've asked them several times to provide me with the name of the company and the name and the telephone number of the person, who verified the information, and the documents that were sent to your company to verify this information. Also, these 3 bureaus companies are lying and reporting false information because I reached out to XXXX XXXX and I called them and they stated that you all have not reached out to them because they dont have anything on file and Ive also included the letters that I received from them as well and also I included a letter from the courts stating that they do not report anything to the credit bureaus. So, how are you really verifying this information? Once again, please delete/remove this bankruptcy and send me an updated copy of my credit report. PLEASE DELETE IMMEDETIALY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to XXXX ; Experian and XXXX on the XXXX XXXX XXXX account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Google Compare Credit Cards Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
While reviewing my credit card charges I found 2 unautorized charges which I had never made under the name google electronics. Each charge was on the amount of XXXX $ CDL. I had contacted my credit card company and they cancelled my card and ordered a new one. After cancelling my card someone was still trying to buy with him through google. I contact google to claim a refund for those unautorized charges. Google claimed that also those charges didnt came from my account they wont refund my money back because it was autorized. They refused to give me any information regarding who made those charges which are also not showing in my google account. Im still waiting for refund from my credit card company.

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 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I paid my girlfriend {$600.00} in the month of XX/XX/XXXX for XX/XX/XXXX Rent through XXXX XXXX and then I was kicked out of the house without being able to live there so I paid {$600.00} and was not able to live there then I had to get a hotel to stay at. I am requesting my {$600.00} back and the bank has denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX my school, XXXX XXXX, went through its billing cycle ensuring that classes were paid for. We the students patiently waited for our refund checks to be deposited or sent and weeks went by with no update. Now here we are at the start of XXXX and we are finding out through articles on the internet, not the school itself, that the funds for the refunds are not there. There seems to be nothing to school can do at this point to ensure all students receive their refunds. The school was to refund me a stipend amount of {$6300.00} but failed to do so. I need to understand how this can be remedied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Savings accounts I opened in XXXX for my then minor sons for their college funds have been charged for monthly service fees for " inactivity ''. I discovered this when trying to withdraw funds for their college. The accounts had {$2000.00} when opened, they now have {$1500.00} and {$780.00}. First Interstate Bank manager XXXX XXXX has offered to refund 9 months ' fees stating " It looks like the accounts went dormant XX/XX/XXXX. This means there was 18 months of charges for each account '', however, I know this is not true since the funds have been untouched by my sons and me except for a withdraw made by one of my sons for approx. {$300.00} in XX/XX/XXXX and a couple of deposit made by me when I could afford it. I am trying to get a printout prior to the 18-month printout I was able to get from a teller in the XXXX XXXX, which was as far back of record they keep at the branch level. In one email Mr. XXXX said he could get the printout further back but they would have to charge me for it. The next email from him ignored the request I had made about getting printouts. I don't think he is being honest with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!

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 2021-04-25
Company: Alliant Capital Management LLC
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX amount {$800.00} was removed from my credit report after an agreement in the winter of 2018. 

The account has re-appeared on my report under Alliant Capital Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX, a notice I was being sued was left on a table that wasn't my abode for anyone to see violating my right to privacy. The person who left the paper came at XXXX also a violation of the FDCPA. I do not agree to said amount that it claims is owed and the notice had a multitude of violations. I responded within the 30 days and still haven't heard a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy 3 years ago this XX/XX/XXXX. This credit card is in it. All my accounts are closed on my credit, but this one. My attorney is aware of this and told me to contact you directly to get it fixed. My credit report is in the final stages of bankruptcy and all accounts are closed. The portfolio credit card is in there under a collection and needs fixed or removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 {$800.00}. I have reached out to the company several times. This account has caused me financial ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax dropped my credit score 100 points and will not tell me why- for over six months hard inquiries were on my report and did not effect my score also they for mtge requests apparently from a real estate broker who had my personal information. I think from the beginning all these requests were approved although I was never a party to this answer. after a XXXX phone purchase and furniture credit request with XXXX the report was then effected. Equifax says XXXX XXXX determines score and XXXX XXXX denies this. No one can tell me how to improve this score in real time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I sent CFPB a complaint on X/X/17 stating that I did not agree to cosign a student loan for my granddaughter. Sallie Mae responded X/XX/17 stating that they could not provide a call recording because it is proprietary information. They attached the Application, Promissory Note and Final Disclosure.
On the promissory note, page 4 it states " Your signature on this Note is binding ... '' The Note is 7 pages and there are no signatures on any of the 7 pages, nor are there any signatures on the Final Disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed a complaint with the BBB on X/XX/17 as the company, NCC Business Service, has yet to validate the debt that they are reporting to the credit bureaus.I have spoken with XXXX XXXX XXXX on X/XX/17 and they stated that they have no record of the file. On X/X/17, the BBB sent an email stating that they were closing the complaint as the company failed to respond.

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 2018-03-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted the Federal Loan Forgiveness Application to  Navient twice once in the Fall of XX/XX/XXXX and in the Spring of XX/XX/XXXX. I when I called they said they never received the application however I have a fax transmission saying it was delivered successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland Credit Management sent me a letter threatening legal action against me and wage garnishment for the amount of {$3500.00} which I never received a validation letter from them. XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
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: Account status incorrect

Complaint:
About a year ago I brought the problem with this company to your attention ; Experian is constantly reporting late or incorrect. About 45 day ago I paid off all my debt. The payoff where submitted to all the credit burls on the same day. XXXX   and XXXX are reporting my score is the 700 's, but Experian is reporting XXXX. I'm not sure if this is race base or anti military I just tired to trying to make a purchase and have to pay more for the purchase because of incorrect reporting on Experian behalf. 

Experian is report ( 4 ) item 's that effecting my score, as follows 1. I have serious delinquency or derogatory indicator, public record and/or collection on my credit report.

2. I have a recent public record and/or collection on my credit report.

3. The remaining balance on my mortgage or non-mortgage installment loans is to high.

4. I have few accounts that are in good standing.

My rebuttal to these incorrect report lines ; 1. 45 days on the letters that the other reporting agency have record it.

2. I have paid off all my debt there was a dismissed bankruptcy that is on the report.

3. I don't have a mortgage yet " there statement is out right lie ''!

4. All my account are in good standing " another outright lie ''! 

Inclosing I returned from XXXX in 2008 and would just like to move on with my life company like Experian has made this more difficult. I just want to have them report the right way so I can achieve my goals.

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 2018-03-29
Company: ALLY FINANCIAL INC.
State: NC
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:
Account was paid off in full and I guess there was a remaining balance of 70 something dollars and when I was informed I paid off in full they put it on my report I spoke to them they said it was a mistake it shouldve been removed account was paid off for years early I spoke to them on several occasions they promised me that it would in fact be removed

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 2018-02-04
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I mailed the attached letter to them 3 times and have verification that they have received it. However, they have reported the debt on my credit report and they have refused to contact me via mail as I have requested in the letter. They have not contacted me at alI after I mailed this letter. I would like to report them for unfair credit practices.

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 2020-12-03
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive disputed this account before because it is not mine. Ive never had phone service with XXXX XXXX XXXX. The dispute resulted in having the account removed. They have added the account to my credit report again, causing damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
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 belongs to someone else

Complaint:
Today XX/XX/2020 I applied for an auto loan and unfortunately the loan was not approved because when they ran my credit. I was told that there was an account in derogatory standing on my report. I don't know what they are talking about so I looked through my credit report myself and saw the account that does not belong to me. The accounts were XXXX XXXX  XXXX  XXXX balance {$290.00}, XXXX XXXX XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$7500.00} and XXXX XXXX XXXX balance {$64000.00}. I did not open these accounts and I did not allow anyone to open it in my name using my personal information. I did not benefit anything as a result of these accounts being opened in my name without my permission or don't have a contract or agreement with this company.

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 2018-10-04
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection account by Americollect has been plaguing my report for months saying I owe for 3 accounts. The bureaus are working on investigating and XXXX  and XXXX have deleted 2/3 while  XXXX has claimed they verified. How is this so? I first communicated with Americollect requesting information to validate this debt. They sent me invoices after clearly stating I need to see written proof of this debt or they need to remove the erroneous information post haste. I have sent two certified letters to them with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2018 Hurricane Irma hit Florida and Lenders offered the Natural Disaster Relief program where three months of car payments were deferred to the end of the loan. When I called Ally to inquire about this program in XX/XX/XXXX the representative stated that I did qualify and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments did not need to be made as they would be moved to the end of the car loan and that my {$430.00} payments would resume in XX/XX/XXXX. Following this conversation and a couple weeks later I began getting phone calls stating I was late with car payments all the while this arrangement was documented. Then my credit score is negatively affected because it shows I am delinquent those 3 months which obviously was an arrangement through the National Disaster Relief Program. I have contacted ALLY multiple times since mid XX/XX/XXXX to clear these issues and it has not been taken care of.

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