BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
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: Public record information inaccurate

Complaint:
I requested a method of verification to XXXX  about a Bankruptcy that was on my credit report they had on my file on XX/XX/2020. I sent the letter certified and had it notarized which I have records of. They retrieved it on XX/XX/2020 signed by XXXX XXXX. They sent me back a report on XX/XX/2020 saying they had verified it validity through a company called XXXX XXXX. It says that on the report they sent me back. So, I sent a method of Verification to XXXX XXXX on XX/XX/2020 requesting the method of verification from them. Which they replied they verified it with the Us Bankruptcy court. I also got a letter form the Bankruptcy court saying they do not verify information with 3rd party Credit reporting Agency. Which I mailed to XXXX XXXX and a letter saying that three must have been an error. I sent XXXX XXXX a direct letter asking them to verify with whom they got this information from. On XX/XX/2020 XXXX XXXX sent me a response back saying they removed the Bankruptcy from there data based they had on me. Which I have records of. Then I sent a copy of the removed Bankruptcy and a letter to XXXX, and Experian showing that XXXX XXXX had removed the bankruptcy form my credit file. I asked both XXXX and Experian how could you have verified it with XXXX XXXX if they removed it from my file. I explained to them they can not just PARROT information they have to do a complete investigation. You can not just use the E-Oscar system with a 2-digit code. Then reply you have verified it with the Credit Reporting agency. XXXX  sent me back a response onXX/XX/2020 they had verified it through XXXX XXXX and that it would stay on my credit report. Which is complete nonsense. It had already been removed from XXXX XXXX. Which proves they did not even look at the paperwork I sent them showing the Bankruptcy was removed from XXXX XXXX which they claimed they verified it with them. This is a direct violation of the FCRA under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) under Section 611 ( 5 ) ( A ) of the FRCA they  must promptly remove all information which can not be verified. How can they verify the Bankruptcy when it was removed from the company? They claimed they verified it through on XX/XX/2020.This is hurting my ability to obtain credit and buy a house while making it impossible to get the credit I deserve. Causing me and my family financial hardships. This is un-acceptable and they should be held accountable for there actions.

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 2020-11-23
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contact this company for months and got no, respond sent letters no respond ask them to validate this debt no respond I need them to delete this account asap there in violation do to the fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CITIBANK, N.A.
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:
I previously filed complaint number XXXX. In this complaint I stated that I found an unauthorized inquiry from XXXX 's on my credit file which was made on XX/XX/2016. XXXX 's responded by ignoring what the complaint said and removing a VALID account from my credit profile.

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 2020-08-22
Company: Commonwealth Financial Systems, 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:
A debt posted to my credit report by this company in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. 
They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter Upon further investigation, I realized this was a debt I disputed with the same company about a year ago. I can not understand the greed and thievery that is motivating their deceit. 
I just attempted calling, with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: AZ
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:
Dear to Whom It May Concerns, This account is paid in full, and I need it to reflect on my credit reports As soon as possible. It is the job of the credit bureaus to make sure consumers accounts are up-to-date and accurate. This account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX account # XXXX, has violated my rights in Pursuant 15 USC 1681 section 602 A states i have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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:
On XXXX XXXX the creditor XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX XXXX. this account was dismiss by License California Judge court ordered Dismissal. I have given proof of the judge court ordered Dismissal to TransUnion yet they refuse to remove it off my credit report. XXXXXXXX XXXX XXXX  has been paid off since XXXX XXXX which I have provided the receipts proof of to TransUnion yet once again they refuse to remove their inaccurate information provided on this account. Transunion has reported XXXX XXXX  as a delinquent/closed account which inaccurate I provided Transunion with the proof of the paid off account yet they refuse to remove this inaccurate information off of my credit report. It has been well over 30 days and Transunion refuse to send me an updated complete copy of 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 2018-03-10
Company: EQUIFAX, INC.
State: MN
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 a victim of identity theft. I have been writing to Equifax for several months now trying to get this information removed from my credit report. I have sent them over 5 letters not and they fail to respond to the problem. I have requested the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
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: Investigation took more than 30 days

Complaint:
I was minsinformed by a XXXX representative that my account was current on XX/XX/XXXX. Since the account was current I made my normal payment by the XXXX of that month. It turns out that XXXX had an Issue posting a payment from the prior month and lied to me when they said everything was current in the month of XXXX. Since I thought everything was fine I made a payment on XXXX and XXXX on my regular due dates. I did not find out until after my XXXX payments that they had reported me late. The representatives at XXXX have constantly given me misinformation about what the last day is to pay my payment is and when the daily cut off time is. I had another instance where I made my payment before the next payment was due and they still reported me late. This happened in XXXX of XXXX when the XXXX website was down and they were not able to take my payment as confirmed, even though the website said the payment was in process. I called and explained that I did not want to make a phone payment and an internet payment at which time the XXXX representative said everything would be fine and thered be no late reporting. Again the rep lied and XXXX financial services damaged my credit. This company has now recently adopted the policy of not being able to dispute anything, including this dispute, unless its by normal postal mail. This policy just changed about two months ago. Please help. This is hurting my credit all so that this company does not have to give lower rates to its loyal customers.

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 2018-03-10
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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 requesting all three of my credit files be updated with accurate credit reporting for all of my loans with XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. I have 8 loans with this servicer. All of my credit reports show current for XX/XX/XXXX, 90 days past due for XX/XX/XXXX, and 120 days past due for XX/XX/XXXX which is inaccurate. All 8 of my loans are in a deferred status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was unable to get onto the site to make my XXXX payment. I called the company and they said they were having problems it should be fixed shortly. I was finally able to get onto the system and when I did, I noticed that the company was incorrectly reporting my payments as late when they were paid before time, almost two weeks ahead of time. What I noticed is that many of the payments showed more of my payment going towards interest when more should have been going towards the principle when the payments are early. I spoke to a representative names XXXX on XX/XX/20 about the issue and asked for an audit of the account and I had not hear back so I decided to call back today. When I called today I spoke to someone named XXXX and she reviewed the notes and read me a note that a manager made that agreed with my assessment of the situation but no resolution! I said I wanted to escalate the issue further she had me on hold but finally said she will have someone call me because everyone was on a call. I would like a thorough audit of my account and a copy of the audit. Because I believe more of my principle would be paid if the division of my payment was correctly posted to my loan repayment. The copies attached are only a sample it does not include all of the payments that are reflected incorrectly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AXX/XX/2018I noticed a bill from XXXX in the mail. I didn't have a XXXX account so I ignored it. XX/XX/2018 I recieve a notice from Convergent outsourcing saying I was in collections for a debt of XXXX. At this point I contacted XXXX  directly. They asked me information and they verified that there was an account created in my name. The number was a DC based phone number and they noticed that a phone had not been purchased under this account. I asked the XXXX personnel whether an account could be created via online contact only. It was stated in order to establish an account with charges you would have to be at an XXXX XXXXocation. At this point I was asked for the password to the account which i didn't have. I was told not to worry about collections and that this account issue would be investigated. Soon after this I noticed that I had other accounts issued in my name. At this point I set up a credit monitoring service and issued a fraud alert and locked my credit so that I could not be further compromised. XX/XX/XXXX I was contacted by a debt collector I can only assume is related to Convergent and stated to the the person on the phone that I had issued a fraud alert and that my identity had been stolen. I also stated that I had filed a police report related to these events.The individual on the phone ignored my statement and tried to say that I was still responsible for the debt.

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 2021-03-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Personal information incorrect

Complaint:
not mine : FCRA violations : XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$75.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : XXXX  % Balance on XX/XX/XXXX Original balance {$75.00} {$75.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score XXXX. 
Payment Info Original balance {$75.00} Balance {$75.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX, WIXXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : XXXX  % Balance on XX/XX/XXXX Original balance {$1300.00} {$990.00} Payment Info Original balance {$990.00} Balance {$1300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Wrong names and address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TD BANK US HOLDING COMPANY
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/2020 I applied for a loan with TD Auto Finance to purchase a used XXXX, I was approved for the loan which should have been the end of it there. But then on XX/XX/2020 another hard pull was added to my credit report. I proceeded to email the loan officer on XX/XX/2020, about the second hard pull and that I wanted it removed. I never received any response back from the loan officer I had contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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 have disputed inaccurate information on my credit report with XXXX, TransUnion, and XXXX and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!

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 2018-03-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am uncertain of the exact date but XX/XX/XXXX and XX/XX/XXXX I received letter from chase bank stating that my account had fraudulent activities done on it adding up to more the three thousand dollars. I called explaining to them that it most of been a mistake because there was no way someone couldve deceived you guys as me and gotten all this money without my authorization!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30
Company: National Credit Systems,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:
On behalf of XXXX XXXX  XXXX, this company has been harassing me for the last two years, claiming that I owe them money that I do not. They are stating that the money is due to a broken lease and eviction charges. My lease was monthly and nothing was broken. I gave the apartment complex 60 days notice, the woman who I gave it to took my letter and I dont know what she did with it. They never sent me any eviction notices, and if they did I had already left the apartment. They kept my security deposit which I believe I am still owed by them. This is very negatively impacting my credit score and now I am unable to buy or rent another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
hello, for security reasons when my phone was stolen coinbase closed my account - however afterwards - i have asked for it to re-enabled and their support says they are working on it and its been over a week. 

please i am concerned they are not going to give me access and i just wish to access my account asap/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sold my truck after having XXXX put a new engine in my vehicle.A week later the engine light turned back on. This should have been my red flag to disassociate myself from the XXXX brand. With my XXXX  issues, I decided to lease a vehicle to prevent maintenance issues and concentrate on my health. 
After a year of having the vehicle, XXXX mails me a statement requesting approx. {$900.00} which includes a monthly payment and two years of personal property taxes and they sent another statement from the City of XXXX stating I should pay this bill. Not only did they send me a bill but they also charged my account. As a result, I sent a payment to the City of XXXX only to have them return those funds. Once again, not feeling well I just wanted to satisfy the debt because I had never been late with car payments or tax payments. I had to pay personal property for the car I sold so why am I paying for the entire year of 2016 when I took possession of the vehicle in XXXX. Why isnt that prorated? 
Why is this company gathering all personal property taxes and sending it to me? I am financially drained ; hence why I leased a vehicle. This is my first and last time leasing a vehicle at least with XXXX. This has been a very stressful experience. Once this lease is over I will never step on a XXXX lot ever again.

Company response to consumer: Closed with explanation