BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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:
Experian and XXXX continue to place false information on my credit report despite several disputes. Each time I dispute an account, the creditor submits different information and my credit file is updated with false and inaccurate information. Some items on my credit file have different personal information such as birthdate, however Experian and XXXX refuse to remove false accounts after dispute. My credit history has suffered due to this. Currently XXXX XXXX has been allowed to violate The Fair Credit Reporting Act by submitting false information while Experian and XXXX support this behavior by allowing XXXX XXXX to unlawfully raise my account balance and claim false late payments. This is apparent if someone took the time to read and compare information from the several disputes I have filed. Experian nor XXXX keep proper records as the personal information on file is not correct. I attempted to fix the matter, but It has yet to corrected and the inaccuracies remain on my credit file.

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 2020-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio collection contacted me about a debt that I owed and was paid directly to XXXX XXXX. The name of the credit card is XXXX XXXX. Pottfolio has been harassing me, threatening to ruin my credit and livelihood and said they did not care about medical condition. I contracted the XXXX XXXX and need a better living situation fir me and my daughter. It is an extreme hardship : having the XXXX XXXX, battling other XXXX XXXX and being unemployed and XXXX. Because of this my credit score decreased and I have wait to get a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023, {$300.00} they just filed a complainant didnt give me information inregards to the next steps

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022 my account was revised and decreased to XXXX after I made a XXXX payment on my balance XX/XX/2022. I also never had a late payment. Also the decrease makes my utilization very high.

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 2018-08-13
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: Personal information incorrect

Complaint:
There are two addresses present on my credit report. One of them is incorrect.

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 2017-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates is trying to collect a {$1700.00} debt thats invalid and is trying to collect this account which the statue of limitations in California is expired at well. According to California Code of Civil Procedure 337 ( 1 ), the statute of limitations for a written contract is four years. Under 339 ( 1 ), the limit for an oral contract is two years.On my XXXX, XXXX and XXXX Credit report this invalid account reported its delinquency on XXXX XXXX. I do not owe this debt nor is there a contract with my signature stating that this is valid. A bill or other forms are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-07-31
Company: Riverwalk Financial Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any knowledge of this account from XXXX XXXX XXXX XXXX. I sent a letter specifically requesting to have the account validated and the proper validation was not sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loan was discharged because the Department found that XXXX XXXX XXXX XXXX engaged in widespread misconduct that violates consumer protection laws under the borrower defense regulations.I attended to XXXX XXXX XXXX XXXX while operated from XX/XX/XXXX through its closure in XX/XX/XXXX. During the time I was charged and fully payed over XXXX dollars. From XX/XX/XXXX to XX/XX/XXXX I struggled with my credit and affected me economically. I contacted the company on XXXX for refund but did not received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
I have been unsatisfied with the investigation result process. I have disputed with the credit bureaus with no response at from all of them. I sent out a letter XX/XX/XXXX, then XX/XX/XXXX and still have not received anything over the mail.

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 2020-10-21
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: Information belongs to someone else

Complaint:
There is an account on my credit from a company I do not recognized. The company is a third party debt collector attempting to collect XXXX plus dollars. The original company is XXXX. I have never had a XXXX  account nor have I ever incurred a phone bill that large. This has to be an error. I would like this company and it's records 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 2018-08-13
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received an collection letter from these ... .. in XXXX of this year. The letter never provides an e-mail or fax number for me to respond in writing. The ONLY option I was provided to prove that I have notified them to cease is to pay for certified mail. I am certain this is deliberate because if I send the letter regular mail, they could claim they never received it. Anyway, I immediately called to try and obtain other communication, but was only given them options I stated above. I contacted the BBB on XX/XX/XXXX ; specifying the above. At that time, they were put on notice to no longer contact me. 

XX/XX/XXXX Today, I received another letter of collection from these ... ... AGAIN attempting to collect a debt. This is a direct violation of the FCRA as I have informed them NOT to contact me. 
I will ONLY deal with the original creditor as is my right. 
These ... ... are also the subject of a class action lawsuit filed XX/XX/XXXX. They must be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is the only credit reporting agency who continually lowers my XXXX score when a credit card is paid off. Recently I paid off my credit card and Experian lowered my credit score by 17 points while there was no change with XXXX or 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 2020-10-21
Company: BARCLAYS BANK DELAWARE
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i never received an item from XXXX  they refunded my card nad now the charge shows again i emailed XXXX they say they refunded money end fo XXXX yet XXXX shows up on my upromise card i emailed 10 times i get scripts no help and its till there i will not be using either barclays card for some time due to poor service refund XXXX as to XXXX XXXX XXXX, i want XXXX back from steemer for poor service not delivering on what i asked they said they would BEFORE i agreed to purchase which is a form of deception since neither are done i am unable to use both cards. I resent them email from XXXX as to XXXX on upromise still no refund. help

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 2023-04-20
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, 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:
I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: NY
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 account still reads as open on my credit report but I have closed it and have paid in full. Unfortunately I had financial hardship which caused this account to go into a negative standings but I have since than paid the outstanding balance off in full.

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 2022-01-15
Company: Colony Brands, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX of 2019 this account was place on my credit report I called the company to try to get this remove but couldn't talk to anyone due to identity theft so now the account is a charge off is was written off but it state I still owe XXXX dollars I dispute it with XXXX results came back be accurate that is was my account. I do not getting any bills or emails from them stating that this is my bill this has put a damper on my credit report as a delinquent account and can not get approve for a loan even when my score was a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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 are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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 information incorrect

Complaint:
Experian has XXXX " open accounts '' on my credit report that they WILL NOT UPDATE OR REMVOE! 

Account # 1 : a PAID OFF CAR LOAN with " XXXX XXXX XXXX XXXX '' ( car loan PAID OFF in XXXX, 2019! ) Account # 2 : an account I NEVER OPENED with " XXXXXXXX XXXX '' from 2019. 

Experian has MADE IT IMPOSSIBLE TO REACH A HUMAN BEING TO DISCUSS THE ABOVE TWO ISSUES!

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 2022-11-29
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX and XX/XX/XXXX BMW ran my credit report through them and financial institutions without my authorization. I specifically asked them not to do this and they fraudulently did this without my authorization. I have proof showing that I didnt authorize my credit to be ran. The representative I spoke didnt apologize or try to rectify her response was I should have told a manager. When I specifically in writing and over through communication do run my credit report through banks and her response was yeah sure. This BMW XXXX in NJ and BMW financial is running by unlawful practices. And I request all inquires be removed by them and/or refusal will have to pay a minimum of {$1000.00} of any lost that a pull from unauthorized credit pull caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXXXXXX XXXX XXXX Balance {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've sent over the facts disputing the records of inaccuracies to all 3 bureaus and they are just reporting back that it's verified with ABSOLUTE XXXX verification or documents. According, to the FCRA, any verification should be supported by documentation. The adverse accounts have not been removed and it's hendering my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a vehicle through Ally bank. At the end of the lease the vehicle was returned to a dealer per instructions from Ally. However there was no option to pre-inspect the vehicle to assess if any excessive wear and tear that will cost extra, and Ally does not actually tell you if you owe anything for excess wear and tear until the vehicle is sold at auction (! ) which could be weeks ( or even months? ) after the vehicle is returned. 
This seems to me to be unfair and unreasonable practice. 
As a buyer I should be entitled to a per-return check of the vehicle ( so that I can decide whether to fix any issues myself ) and a speedy ( on the spot during return or within a few days ) assessment regarding payments for excessive wear and tear, as well as a process to contest any alleged issues.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX is my loan servicer and I have 3 active accounts and multiple closed and tranferred accounts with XXXX balances on my credit reports. I requested to have them removed and XXXX and the credit bureaus will not removed they are considered verified. I requested the closed and transferred account be removed only not the 3 current 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 non-monetary relief
Consumer complaint received 2022-01-07
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is complaint against XXXX XXXX XXXX, ( XXXX ) CEO The PNC Financial Services Group , Inc. c/o PNC Bank , N.A. for running criminal enterprise specializing in forgery of public records specifically related to mortgages to legitimize theft of people homes. XXXX was given notice of opportunity to settle a claim on XXXX XXXX against my property, but he kept silent and proceeded using deception to execute of his false claim. In said letter I wrote '' This XXXX XXXX subsidiary which still holds the people ( remnants ) of dissolved National City Mortgage , Co./National City Bank contrary to its banking mission, rather doing banking services focus on forgery and tampering of public documents and government records for purpose to use them under false pretense to take people 's homes which has been apparently more lucrative business then lending money '' XXXX  as CEO is a front man of several subsidiaries allows these satellites without restrictions prey on individual consumers, specifically concerning on mortgages where the stake is house, the most important asset of people. The complaint involves PNC Bank, N.A. in XXXX Ohio, an institution who forged public records of State of Ohio, which then paved them road to theft of my property. XXXX has been keeping XXXX eye on the crimes of his subsidiaries, knew that forgery of public documents took place, but did nothing to restrain them, thus is equally guilty for these crimes. Pleas note, that all replies to this complaint must be by XXXX only and have to be verified under penalty of perjury. No lawyer meddling in answer this complaint is acceptable.

Company response to consumer: Closed with explanation