BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my experian and XXXX report, there is an error stating that I have an open account in collections and that it was " paid less than full balance '' and I paid in " full balance ''. This does not show on my XXXX report however. I contacted XXXX XXXX  and they also informed me that they contacted the merchants to have it removed. 

This is error is causing me a great deal of stress in regards to obtaining a home loan through the veterans affairs ( it showing that I have series delinquency spanning two plues years ) XXXX did not help me one bit and at this point I feel like I'm wasting my time with them. Furthermore, XXXX also has my birth year listed as XXXX when my actual birth year is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
The accounts are outdated and exceed the statue of limitations on medical/credit card debt in the state of Florida and Nebraska. I have reached out to the creditor and the credit bureaus asking them to address this problem but I have gotten no response. Please Help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: GOLDMAN SACHS BANK USA
State: KS
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:
My account with Goldman Sachs Apple Card is settled and closed with a balance of XXXX. Despite this, the information on my XXXX credit report is four months out of date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: MECHANICS BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 a letter of account closure was written, I received the letter around XX/XX/XXXX. The letter mentioned no reason to why they elected to discontinue providing me with financial services. It said that by XX/XX/2021 they will disable any debit card, online banking or bill payment access. It also mentioned that the account will be closed formally on XX/XX/2021. 
On XX/XX/2021 I made a phone call to the bank that lasted about half an hour long, and when I spoke with the customer representative they referred me to a manager XXXX XXXX is the only name they wanted to give out XXXX which then they went in circles talking about the letter that gives no valuable information or reason to why they closed the account and still over the phone they gave me no valid reason to why my account was closed. 
As a customer of a bank ; I always have enough balances in my accounts checking and savings in order to cover any withdrawals or purchases I make. I also have never made an over draft. I see that there is absolutely no reason for them to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
SchoolsFirst uses their unique position as a branched bank to execute XX/XX/XXXX collection tactics, while skirting FDCPA and FCRA laws. Aprox. 7 months ago, my spouse visted the XXXX CA branch to apply for an auto loan for our daughter. This was an individual application with no co borrower. 

For reasons unknown, the agent told my spouse that I owed the bank money. My spouse was confused because she did not solicit any information regarding any accounts, balances, disputes or alleged debts not associated with her legal obligation of repayment. 

My name was not given, and I was referred to as " her husband. '' The agent had no idea of our legal marital status, and assumed that we were still married. 

After speaking at length with XX/XX/XXXX, one of which being XXXX, the branch XXXX from XXXX CA ( who basically stated that she questioned the validity of disputed debt disclosure in her branch ), it is absolutely evident that the Credit Union is practicing questionable tactics to recover disputed debts and skirting consumer protection and collection laws by divulging information to other bank members in hopes of embarrassing them or generating payment from disputed debts while calling themselves " creditors '' and acting in the capacity of a debt collector.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
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:
First of all Transunion put a collection on my credit report which I have disputed twice. The biggest issue too is that the so called company XXXX XXXX has never contacted me, never sent me anything to dispute before they put on my credit card and has never responded in 6 months to verify. Yet Transunion verifies this type of fraud and does not actually investigate. 

here is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with Transunion and I sent 3 letters of validation to this unknown company. I have never done business with XXXX XXXX or loan by phone. This company has never called me and never responded to any letter after over 6 months. Transunion I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. Transunion is also at fault for having no information on this company or correctly validating any of this information. XXXX XXXX is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. Transunion is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay XXXX XXXX anything I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I read in the news on XXXX XXXX, 2017 that the credit reporting agency Equifax had an enormous amount of personal data stolen through a network hack. After checking the website Equifax provided I was informed I was most likely one of the individuals who had their data stolen. I have put a fraud alert on my account which causes massive problems being that we are about to apply for a home loan and have just recently purchased property. This breach will most definitely set up back several months at the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: OR
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:
I am a victim of Identity theft. In XXXX I noticed my credit score dropping and discovered that an account I did not know about was in default. In XXXX of XXXX someone named XXXX XXXX with a Georgia address, apparently opened a XXXX credit card account using my identity. They charged {$470.00} to the card which then was closed in XX/XX/XXXX with an outstanding amount of {$700.00}. 

I immediately filed a police report with my local XXXX, Oregon Police ( Case # XXXX ) and filled an Identity Theft Report with the FTC ( XXXX # XXXX ). I reported the incident to XXXX and Equifax and I notified XXXX. 

XXXX has removed the account from my report as of XX/XX/XXXX. 

However XXXX has failed to remove the information from my credit report. I disputed it in XXXX and again in XXXX of XXXX, providing the FTC report and Police report, but XXXX says that when they contacted XXXX, XXXX says the charges are valid. 

I am unable to reach XXXX. I tried again today and they just gave me the Identitytheft.gov website and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX  XXXX, IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.

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 2019-09-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
amex needs to call XXXX  XXXX about the data breach 4social showed up so the bureaus removed the FTC violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: OneMain Finance Corporation
State: IN
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:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I took out a loan for XXXX $ in 2012. Did n't understand the terms since the only documents they had to give me were in XXXX and i dont read or write XXXX and i told them they said juat sigh here. Then moved and had a hard time paying. When i got a better job the refused to take payments. They use very inappropriate language and talk to me very inappropriately. I have made lots of attempts to make payments. The guy that i talk to actually told me that if i sent in a small payment that was n't at least {$700.00} that he would send it back. Every time i try and call and talk to someone else they tell me there is no one else. I believe that this is an attempt to get more money. Since they have just kept charging me more fees since i have not been able to make any payments. I dont believe i should have to pay {$1400.00} for a {$500.00} loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent three letters to the bureaus requesting that they update the status on my accounts. I sent letters on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and it has been over 3 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be updated to no payment required immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder. Please review my letters and update my accounts

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 2018-03-19
Company: Navient Solutions, LLC.
State: MT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings, I am concerned with the business practice of Navient. They currently service my Federal Student loans. Over the last year my payment has constantly been different even through I am on a Income driven payment plan. They invoices don't match my billing, the billing doesn't match my loans, and I cant take advantage of interest reduction because I refuse to let the company auto draft payments out of my account. They are unable to accurately show me a schedule of payments, and the payments they do come up with aren't documented anywhere. I feel like I'm literally being robbed each month by a company that provides no service other then attempting to make me default on my loans through trickery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: GA
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've sent a dispute letter over 30 days ago asking each bureau to investigate inaccurate reporting. I sent the following disputes for each account on XX/XX/2021. ( U.S. Department of Education ) ( XXXX XXXX ). Failure to remove these accounts have hurt my credit. According to section 617 civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. It has been over 30 days and also I've ask for all supporting documents verfiying this alleged debt which was given each bureau 15 days to send supported documents which they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. 

Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. 
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Remove the accounts from my reports.

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 2019-09-25
Company: Midwest Recovery Systems
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please be advised this my 2nd complaint regarding this issue with Midwest Recovery Systems. On XX/XX/XXXX I received some alerts regarding a change appearing on my credit reports. Upon checking, I noticed a collection account from Midwest Recovery Systems. The original creditor was XXXX XXXX XXXX XXXX XXXX. I have several issues regarding this. 
1. Midwest Recovery Systems never informed me of them obtaining or purchasing this debt within the initial 5 days with any letter of attempt to collect as per the Fair debt collection Practice Act section 809. This is a violation. 
2. It has been 30 days since I've sent Midwest Recovery Systems an affidavit of denial ( Not letter of Validation ) since the debt never was mine, and I still have not received any correspondence or anything in the mail from Midwest Recovery Systems regarding this debt. 
3.I have since been denied credit because of this inaccurate information that is on my credit report which I'm currently seeking legal advice in an attempt to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Nelnet, Inc.
State: GA
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 have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DEPTEDNELNET with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a gas card with chevron through Synchrony bank for 3 years, then two weeks ago they ran a hard inquiry on my credit without asking me and closed my account. They sent me a letter telling me they ran my credit without my permission and decided to close it. I have never been late on payment and always paid off my balance.. they made my credit score lower 22 points because of this hard inquiry

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 2017-11-22
Company: United Collection Service, Inc (FL)
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: Account status incorrect

Complaint:
i contacted XXXX county evac and was told this would be taken off my credit as I do not owe it. It should have been paid by XXXX. They had all our insurance info.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation