BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: OneMain Finance Corporation
State: NY
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 filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Commercial Acceptance Company
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by the Commercial Acceptance Company on XX/XX/23 for a debt owed by my stepdaughter. Then after not answering, the company proceeded called my wife and the representative left a voicemail.When we informed him it wasn't our debt and would look into it, he got more aggressive. Attached is a recording of the phone call where the agent became belligerent and we decided to hang up. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Aidvantage is in breach of my constitutional and federally protected consumer rights pursuant CFR Part 1006.18 ( b ) ( 2 ) ( i ) which states " ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. '' Consumer believes the alleged debt is beyond the Missouri legal statute of limitations and unlawful pursuant to the 1787 Constitution for the United States of America article 1 section 10 states " No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; '' Pursuant to CFR 1026.23 Aidvantage has no verified legally binding interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX -XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX # XXXX XXXX XXXX # 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 2019-03-05
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX To : Customer Advocate Services Team American Express XXXX XXXX XXXX, XXXX XXXX XXXX, UT CFPB Ref No : XXXX Ref : XXXX XX/XX/2019 American Express To whom it may concern : Im appreciate to your respond on XX/XX/2019. but I still dont understanding your explanation, As your advertisement : Earn {$150.00} back after you spend {$1000.00} or more in purchases with your new Card within the the the first 3 month of Card Membership, you will receive the cash back in the form of a statement credit, This is my first time to applied for American Express Cash MagnetCard , would you provide any evidence for I have broken your rules and cause to ineligible for the welcome offer? 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
" Re complaint # XXXX It has been over 30 days. You must now delete all items ousted in complaint XXXX from my credit report. Since you were unable to validate these items in the 30 days allotted.

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 2022-04-05
Company: DISCOVER BANK
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 filed a dispute in regards to the incorrect items on my credit report its has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/XXXXXX/XX/XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..

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 2020-05-30
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 XXXX # XXXX XXXXXXXX XXXX XXXX Name : XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX Account # XXXX XXXX XXXX payment date : XX/XX/2022 15 USC 1681 - ( 2 ) ( A ) ( 1 ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

You are NOT allowed or permitted to furnish any type of reports that contains bank statements or any experiences or transactions that I have with your financial institution as the LAW clearly states above this paragraph please immediately remove the late payment reporting that was furnished to the credit reporting agencies/ XXXX, XXXX, Trans Union.

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 2023-06-12
Company: Experian Information Solutions 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-06-10
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When i left from XXXX i sent all 3 devices back aith a tracking number. They confirmed that they received them, i paid my last bill and they said my balance is XXXX. After 2 years or more i got a letter from a debt collector for over {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Account information incorrect

Complaint:
On XX/XX/2023 I received a alert from XXXX XXXX stating that there was a remark make on my Transunion account from XXXX services stating that my account was increased by {$200.00} between the months of XX/XX/2023 to XX/XX/2023. No missed payments were reported to that credit account. I went to the local branch on XX/XX/2023 and spoke with a representative loan specialist about the remark that was made and she looked into my account. She stated that the account on file does not show an increase in amount and the amount that was reported to the credit bureau is significantly more than the amount that I owe. She then went through my payments and stated that I did not have any missed or late payments so I also was not charged any late fees. She stated there wasn't any annual fees added to my account either so she did not see where those charges would come from. The loan specialist suggested to dispute the remark made to my account to XXXX and XXXX. She stated that she will print off my payment history if I needed to submit them to the credit bureaus myself to prove there was not an increase in my balance. My credit was negatively impacted by the remark that was made.

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 2021-06-02
Company: CITIBANK, N.A.
State: NY
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 late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. Citibank anywhere visa, my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed Citibank anywhere visa about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.

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 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the INFORMATION ON THE CREDIT REPORT IS NOT CORRECT AND I HAVE SUBMITTED MY COMPLAINT AND GIVEN THE COMPANIES ALL THE INFORMATION THEY NEED AND NEED MY REPORT CORRECTED. 


I HAVE PROVIDED MY ID I HAVE PROVIDE MY SOCIAL THEY HAVE MY ADDRESS THEY HAVE MY BIRTHDAY I JUST WANT MY CREDIT REPORT CORRECTED AND THE ITEMS REMOVED. PLEASE AND THANKS

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 2023-01-18
Company: Experian Information Solutions Inc.
State: LA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$510.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A united, explorer mileage plus card was opened up through Chase Bank. It was opened up in my name, fraudulently using my mothers, maiden name, and my Social Security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX and Experian is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
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 with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: CNG HOLDINGS INC
State: MI
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:
XX/XX/XXXX, I had purchased items under a lease, XXXX XXXX was advertising 90 days same as cash at XXXX XXXX. I authorized verbally and documented company to withdrawal and set up bi weekly payment plan for the account to be paid in full on XXXX XXXX XXXX via lease agreement. So the company automatically withdrew payments bi weekly until XX/XX/XXXX for some odd reason. The checking account or any contact info hasn't changed still to this day. The company failed to notify me of delinquency or why they failed to withdrawal of payment which the last payment that was automatically set up to pay this account in full would occur on XXXX XXXX XXXX in the amount of {$170.00}. When i called XXXX they wouldn't discuss any information on account and directed me to a collection company called XXXX XXXX XXXX. I mailed certified request of validation of debt which was returned and trying to get this resolved since XX/XX/XXXX and have came to no resolution. I've disputed several time to the 3 major credit bureaus and nothing has changed nor any information on this on why it was delinquent for the amount shown on my credit report. I couldn't get a hold of XXXX XXXX XXXX, and left several messages with this creditor. Still no response. Tempoe breached their own contract, failed to notify of delinquency, returned request of validation, and never flagged the accounts during disputes. Reported amounts 11 times greater than the account owed, but due to the negligence on the company not abiding by their contract/ lease agreement which there's a clause for same as cash purchase to be withdrawled which should of been XXXX XXXX of XXXX failed to take the last payment so this purchase/ lease agreement would exhaust. They decided to ignore my concerns and harass me by putting it on my credit report which is not enabling me to purchase a home. I have went on XXXX website to find out who to submit a complaint to which is XXXX XXXX, which i emailed today. I just want this off my credit report as collections and hoping they will resolve this within 28 days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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