BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: SC
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 STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN  CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES (  XXXX XXXX XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2020-07-08
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a loan with One Main which is a personal loan. We reached a permanent agreement to repay this loan at a lower interest rate and payment. This was one year ago. Since then, I have not been late to the day. It has been taken out of my bank account. Friday the accounts manager left a threatening phone message, She said I was behind on my payments. This is not true. I have proof. I called back and was told the payment was due on a different date than agreed one year earlier and if I was one day behind, I have to pay more. They are trying to breach the agreement and threaten me. I am XXXX XXXX XXXX, lost my job due to the virus ( XXXX XXXX ), very XXXX and XXXX XXXX XXXX. I have had a XXXX XXXX. They just made fun of me. I was very angry and upset and had to be seen by my doctor. They just want more money. I have completely complied with the agreement and they have taken out the money on the same date for one year. Please stop them from upsetting me. I have done everything they agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: VA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
XX/XX/2020 tried to send XXXX to XXXX XXXX  XXXX  and on XX/XX/2020 I tried to open an acron account. Recieved notice about 3rd party being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CBC Companies, Inc.
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 was looking into rates for refinancing and XXXX XXXX or Factual Data said this was just a quote and was a soft inquiry now on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX FinanceXX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion  XXXX XXXX Bank XX/XX/XXXX TransUnion  XXXX XXXX Finance XX/XX/XXXX TransUnion   XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX Credit Union XX/XX/XXXX TransUnion XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX Automotive XX/XX/XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Mortgage ReportersXX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX XXXX XXXX Mortgage ReportersXX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX Auto Reseller XX/XX/XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Finance XX/XX/XXXX TransUnion XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX BankXX/XX/XXXX TransUnion XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX  Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TransUnion I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it. 

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On today, XX/XX/XXXX Quality Acceptance repossessed my XXXX XXXX  pop from in front of my place of employee through a third party company after I did not pay the month of XXXX because I had submitted a XXXX ( XXXX ) XXXX ( XXXX ) and a XXXX ( XXXX ) for the vehicle to Quality Acceptance that was accepted by the IRS for payment in the amount of the vehicle. I also submitted a remedy letter, a conditional acceptance letter, letter to creditor, and it was notarized along with the coupon thats attached to the monthly bill. I certified mailed ( XXXX XXXX XXXX ) that packet to the CEO of the company and it was received and accepted by Quality Acceptance on XXXX. I did not receive a response, which stated in the letter that if not responded to within 7 days that they accepted and agree to my conditions. I tried to remedy everything and they responded by repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: CITIBANK, N.A.
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:
There is a credit account showing up on my credit reports that don't belong to me. The account is CBNA with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off 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 2018-12-16
Company: Avadyne Health Holdings, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Illinois XXXX ), a healthcare provider, sent a letter requesting a payment for {$3700.00} for prescription services rendered to me from XX/XX/2016 - XX/XX/2017. It appeared this one-time healthcare provider was paying my medical prescription without my knowledge or approval. Since I left the company in XX/XX/2015, my new health insurer, XXXX/XXXX ( XXXX XXXX XXXX, XXXX, Arizona XXXX ), should have taken over with my healthcare needs.

In an attempt to resolve this matter with a XXXX XXXX financial representative, I asked a very important question as to why their company accepted the billings from a pharmacy knowing full well I was no longer a client. I was not able to get an answer. I explained to the representative I would do everything in my power to contact my current healthcare provider and find resolution in paying this debt.

I filed a medical reimbursement claim with XXXX/XXXX, including a background history of the occurrences and any monies being paid should go directly to XXXX XXXX, and not to me since I refuse to pay for services in which XXXX/XXXX should be providing.

After a lengthy battle with XXXX/XXXX, the healthcare provider finally made good on XX/XX/2018 and paid XXXX XXXX {$2900.00}. There is still a dispute of {$810.00} being owed and I am in the process of resolving this.

However, as I worked tirelessly in resolving this matter, it was brought to my attention XXXX XXXX transferred the disputed amount over to a collection agency ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ). In turn, XXXX XXXX XXXX XXXX filed the attempted collection with the credit agencies, XXXX and XXXX. This reporting has severely damaged my credit scores. On top of this, XXXX XXXX XXXX XXXX initiated 10 separate claims, each claim with a different amount, to make it difficult for me to file a dispute with the credit agencies.

Although this was deterrent for me to file a dispute, I did so anyway. I just received the results from XXXX today ( XX/XX/2018 ). After forwarding my disputes to XXXX XXXX XXXX XXXX, the findings of each claim made by them still stands even though a payment has made to their client, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I recently applied for credit at XXXX and was denied by a credit reporting agency XXXX XXXX. A company I have never heard of. I was being denied, because the person applying was deceased. Im very much alive, and well. I contacted XXXX XXXX on XX/XX/2018. They didnt know who they were either, and they told me that I needed to contact XXXX. I ask them why when it was not XXXX  who gave them the report. They had no reasonable answer. I was given a XXXX number for XXXX ( XXXX ). This not XXXX number, but someone trying to sell various products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from XXXX XXXX for the amount of {$1000.00}. I sent XXXX XXXX a debt validation letter certified by U.S. mail on XX/XX/2018. As of XX/XX/XXXX, I had yet to receive a response so I decided to give them a call. I told the representative that I am looking to purchase a home and I need all negative items removed from my report immediately. I also told her that the debt is not mine and has not been validated but I am willing to pay just to have it removed. She agreed to a pay for delete in the amount of {$400.00}. After I requested proof of what we agreed to, she put me on hold and came back to say that I would need to pay the full balance. I requested to speak to a supervisor and they demanded that I pay the full balance as well. I told the supervisor that they were trying to take advantage of my situation knowing that the debt was not mine but I desperately needed to have it removed to proceed with the homebuying process. Shortly after, I came across an article where this same company had been sued for shady collection practices. I believe they were trying to prey on me and reel me in as well. This is not fair to consumers like myself who are trying to go about clearing debt in the correct manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's not my account, i never applied for it. I believe, that somebody used my personal information and applied for this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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:
I disputed a charge off account on my Experian credit report that has incomplete and inaccurate information. Experian did not do a thorough investigation and the charge off remains on my credit report. The account was last updated on XX/XX/2020, with a status of charged off. The account history shows a 30 day late, a 60 day late, and then a charge off. From my understanding, charge offs do not occur until after 120 days. The account also appears as a car lease, when I did not lease a car with the company. The account also has no date of last activity listed.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX, XXXX XXXX, Experian All 3 of these Companies are displaying in Correct info on my Credit Reports and is causing me to not receive services from buisness i wish to do buisness with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I am having such a hard time dealing with Navient right now I really need help. I am currently unemployed and have been in a IDR since I began paying off my student loan balance. Currently I can not make payments due to my financial hardship, XX/XX/2018 has been a difficult year for me and havent had work for several months. Speaking to the Navient representatives over the phone I keep being told that my only options are forbearance or deferment. I have to renew my IDR every year and the last company I worked for in XXXX, CA DBA, XXXX XXXX XXXX will not send me my pay history for the life of me. Now the company is operating under a new DBA, XXXX XXXX. With that being said I can not renew my IDR payment using the money I generated from my last job, and if I were to use last years tax return my payment would be over $ 300/month and I am barely surviving right now. There has to be other options for somebody who is unemployed and making no income. I have already been steered to jumping into a forbearance and I was misinformed that time and they are pushing me to that option again. 

Please help me! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge. 

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same. 

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law. 

Therefore I request that all hard inquiries be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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: Personal information incorrect

Complaint:
there is incorrect personal 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 2023-03-24
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: Account information incorrect

Complaint:
The credit reporting is very inaccurate. The account has been closed back in 2018 and it still shows the payment OK status which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/2018, I received a notice from Midland Credit Management, regarding a debt for my old credit one account, I advised thru writing the collection agency that ' I DO NOT OWE THIS AMOUNT TO THE ORIGINAL CREDITOR AND WILL ONLY WORK WITH THE ORIGINAL CREDITOR ON RESOLVING ''.

On XX/XX/2018, I check my credit reports and noticed that Midland along with XXXX XXXX credit are both appearing on my credit report. I also received another letter from Midland dated XX/XX/18, along with a bill from XXXX XXXX, once again I write back ( see the attached ), I DO NOT OWE THIS AMOUNT OT XXXX XXXX AND WILL ONLY WORK WITH XXXX XXXX ON RESOLVING. I have tried contacting XXXX XXXX and offer a settlement for the original amount of the debt but have not received a return call.

I believe Midland has once again ( have tried several time to asked to cease collection efforts, without any success and have violated the Fair Credit Reporting Act, They were allowed to place on my credit files this debt with Midland, along with XXXX XXXX, without validating the amount.

Company response to consumer: Closed with explanation