BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: NM
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 an auto loan with XXXX XXXX, which is almost paid off ( Balance {$470.00} ). This loan was a joint account with my ex-husband, which went with me upon divorce. I have struggled to pay this loan. The job I had for many years was eliminated, I had a very sick child which brought on enormous hospital bills, went back to college, etc. However, I have continued to pay this loan. 

In XXXX, I moved to a new state for personal reasons and my car payment that was due on XX/XX/XXXX was late, It was paid on XX/XX/XXXX, at XXXXXXXX XXXX prior to it being 30 days late. However, XXXX reported it as 30 days late to the credit agencies. 

It should not be reported as late. The payment was online and instantaneous. In addition, I have gone through each bill of theirs and am in fact a month ahead of what they show. I have requested a complete and itemized audit of my account in the past, but have never received one. I personally spent hours going through each and every payment numerous times and each time show that I am in fact one month ahead.

In addition, I wrote them numerous times asking for the exact payoff needed to close my account. I requested the information in writing. They did not even acknowledge that they received my requests, even though I have delivery confirmation. After all the years, I have been dealing with them, I would like written confirmation of the exact amount I need to pay them in order to own the XXXX XXXX XXXX free and clear. 

Thank you, XXXX XXXX ( they still have my account under my married name which was changed in XXXX, XXXX XXXX ) Account # 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 2020-08-20
Company: Experian Information Solutions 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:
I have submitted complaints through Experian directly, and through you. through you to be exact. The problem is not getting fixed, either you are ignoring the issue or you are allowing them to record improper information with no respect for the FCRA and how it is written. I need to take this to the next level. If you can not deal with this, I will force someone to. At this point they have caused damage to me financially, and personally. It You, the CFPB are nothing more than passing the info oi give you to them, I can do that on my own. What is your purpose? Aren't you supposed to hold them accountable? I find that you are nothing more than a relay service that people think is doing something but really is not. So, for the sixth time, and final time, after this if it is not resolved I file suit. Experian is reporting balances and terms for items discharged in bankruptcy, specifically XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) and XXXX XXXX ( 1 ) the state they are following FCRA but they are not. They are contacting the Creditor, they should not. It was discharged in bankruptcy on XX/XX/XXXX. the bal should display paid in full, original amtXXXX XXXX, terms XXXX, it should show nothing, not charged off, nothing but discharged in bankruptcy. period. In addition, XXXX XXXX  is attempting to reopen a charged off account by adding payments due monthly since XXXX! this is against the law, I do not dispute their right to collect the original amount, however to keep it as a current account adding monthly payments to the total of a charged off account is unlawful. I do not believe they are checking this because the reports they state they are using backdate in some respects to XX/XX/XXXX. Now, with this in mind, I feel they should remove these accounts. they have had 6 opportunities to do it correctly, 4 through you. All they say to me is that it meets FCRA standards, which it does not. They actually sent me a 3x4 post card with nothing but their address and a copy of the FCRA on it saying they do not have to tell me anything at all. This is a total lack of respect for the law, and a slap in the face to you, the CFPB. If you do not reel them in and fix this, I will file suit by the mid of next week. I will not continue with such a poorly monitored credit bureau and if you continue to allow this, then your just as poor and require looking into as well.

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 2018-06-21
Company: EQUIFAX, INC.
State: MA
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'm perplexed to find out that the 3 major credit reporting agencies [ XXXX, equifax, and XXXX ] hasn't responded or resolved the issues that I have constantly sent to them. I've noticed that there are multiple inaccuracies, and errors on my credit report which i've attempted to contact both credit bureaus, original creditors and the debt collectors. I haven't received any responses from them and would like amicable resolutions into these accounts. 

I'm certainly not aware of the following accounts and I don't believe I was ever late on them .... 

XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Westlake Services, LLC
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: Information belongs to someone else

Complaint:
I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Consumer Portfolio Services, Inc.
State: GA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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:
The last 2 pages of the PDF evidence can be disregarded. They go to the XXXX XXXX complaint. 
I contacted Experian credit bureau for months attempting to get them to correct my file regarding the XXXX XXXX account. Although they acted like they were going to do something, in the end they not only refused to change it, but told me they wont allow me to attempt to dispute it any further. 
I sent them copies of the pending court case which was enough for XXXX to remove it, but not good enough for Experian. So instead of reporting it as on litigation hold like were supposed to by law, they showed missed payments and finally a charge-off before it even went to court since they kept sending me continuances until their attorney sent me a fake continuance which the court decided was fine by them and the BAR Assoc. didnt believe it was done on purpose.

So it is still affecting my credit score and still unresolved.

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 2021-06-24
Company: OneMain Finance Corporation
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Re : One Main Financial Group abusing personal information, business license One Main Financial has been sending me aggressive high interest personal product information via post for last 5 months despite that I have requested 5 times via phone call and 2 times via email, to stop sending me any marketing or their product and service related materials for last 4 month.

I do not know how they got my personal information. I would like to investigate their obnoxious business practice and abuse of personal privacy and personal information, ASAP.

I have requested to stop sending me all aggressive high interest loan marketing and all other marketing materials to its staffs at XXXX XXXX and the XXXX Regional Manager. 
Then, they explained to me that they do not know how to help me opt-out of their mailing list. They only told me that they will try to see what they can do. Speechless ... .. 

Also, I can not verify if they are appropriately lincnesed for their business practice in Hawaii. From their website I can only see the following information : CA : OneMain Financial Group, LLC - Loans made or arranged pursuant to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX. CT : OneMain Consumer Loan , Inc. - NMLS # XXXX. NH : OneMain Financial Group, LLC XXXX # XXXX. PA : OneMain Financial Group, LLC Licensed by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

For residents of the State of Washington only : OneMain Financial Group, LLC Consumer Loan Company License NMLS # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Jefferson Capital about a debt to XXXX that is not mine. I notified them that the debt was not mine. I asked them to send validation of the account. I did not hear from them again. This week I received a credit alert that I had a new negative credit account on my report. I looked into this and Jefferson Capital listed this account on my credit reports. They did not validate the debt at all and now are attempting to extort money I do not owe by listing this on my credit report. I have not had a XXXX account in over 15 years and closed that account with no money owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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:
CHEXSYSTEMS CONSUMER ID XXXX SOMEONE OPENED A CHECKING ACCOUNT IN MY NAME IN ANOTHER STATE I HAVE NEVER LIVED IN AND IT IS ADVERSELY EFFECTING ME FROM OPENING A CHECKING ACCOUNT CAUSING HARDSHIPS! I HAVE ALREADY REPORTED BE A VICTIM OF IDENTITY THEFT!

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 2018-08-14
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In May received a call from this collection agency. Asked for a person. Explained no one by that name here. They said that att sent them this account due to no payment under a ( this person name ). Told them that we have never had an XXXX mobile acct and that this is an error cause the acct does not belong to me. I then called XXXX fraud depart had them check under my name, address, ssn ... they said no acct exist. I had them try and find an acct with this bogus name, using my address ... still could not find an account. The fraud department told me that since they could not find any accounts, I should not be worried. I told this to the collection agency who I found out went ahead and reported this bogus account, with the bogus name, under my social security number. Not sure how the collection company got my social or my phone number but it sure did not come from att cause I never had a mobile account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
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 status incorrect

Complaint:
My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, XXXX and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not stressed out and anxiety ridden.

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 2020-08-23
Company: WELLS FARGO & COMPANY
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:
My credit report states that there is a Wells Cargo credit line in my name opened on, XX/XX/XXXX then reported delinquent on XX/XX/XXXX. 

As this is an account that I have paid off with certainty and with an organization that is notorious for the mistreatment of its customers, I would like to request all applicable paper work, transfers of debt, collection agency actions, and other relevant information in order to dispute and ultimately remove this 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 2021-06-24
Company: Kimball, Tirey & St. John LLP
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The roof was leaking the apartment was unlivable the city was aware of it the property manageXXXX for the company which is regional told us to move if we don't like it so we did and they told us we don't owe them anything we don't stay Now after the fact we left the charges for when we were not even living there Plus they're retaliated To have the new place where we're living at kickass out. Our rent was always current up until we move

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with XXXX, XX/XX/2018, in the amount of {$2000.00}, through XXXX XXXX who suggested them through prequalification. I went through the process, providing this company with my bank login credentials once my banking information was entered ( populated my bank login with bank logo ), though I thought this was odd for a lender to request. Within about an hour I was denied. An account was created on their website for me, and I wanted to delete it since I would not be a customer due to their denial, which they cited as being because of " Unacceptable Bank Account History. '' I could not find a way to delete the account on their website, so I called them. A rep told me that they can not delete the account. I asked to speak to a manager, and was put on hold. The rep came back and asked before I speak to a supervisor, did I have an account that was not a " prepaid '' account. I told her that my checking account was not a prepaid account. It is a checking account that I've had for 3 or 4 years. She said it showed that it was a prepaid account that I had had less than 30 days. I assured her this wasn't true. I then spoke to XXXX, a supervisor. She said they can not delete the online account, due to federal regulations. Doesn't seem legal to maintain a login on their site for someone who isn't a customer. She didn't even know how long the account would remain on their site. I need this account deleted. I then asked her why they flagged my account as a " prepaid '' account. She then stated very plainly, that that isn't the reason I was denied the loan. She stated it was because of who I banked with. XXXX XXXX. That they don't " work '' with XXXX XXXX. I asked why that wasn't disclosed prior to me applying, which affected my credit. It isn't on their website. Nor did it keep me from applying once my bank info was entered. She just stated there was nothing she could do for me, " sorry. '' She went on to say if I had another checking account with at least 31 days of activity, they could try to get me approved. I was only denied because of who I have a checking account with. 

I would not have had my credit dinged with an inquiry had I known, or their website declined my input once my bank was identified on their website. I need the inquiry removed from my credit, and I need the account they created on their website removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Commonwealth Financial Systems, 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:
On XX/XX/2018 I was alerted by XXXX, XXXX and XXXX that Commonwealth placed a collection on my credit file. I have had no notification from this company at all regarding this debt. Therefore I have disputed this as a fraudulent account. Also I have no signed contract with this company stating that I owe them.. No signature can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
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 sent these credit agencies paperwork several times proving that I am making timely payments with my account, a credit card, with XXXX XXXX XXXX XXXX. I have sent them a signed notice from there own lawyer, stating that I am making timely payments, in the amount of $ XXXX month, and the balance is now only {$18000.00}. However, after several times challenging this continues to report inaccurate information. They continue to report this as a " charge off '' which is hurting my credit report and has caused me to not be able to qualify for a mortgage. 

****In addition, each time I dispute this account, they practice the illegal practice of " re-aging '' the account ''. In effect, my clock for the 7.5 years starts over, and I get a email or alert with a negative mark and it states I have a charge off, that hurts my credit. For instance, this fresh charge off is now updated as of todays date, the most recent dispute closure. 

*****Please stop these illegal practices and delete this XXXX XXXX XXXX XXXX entry from my credit report all together since you are reporting incorrect information.

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 2018-08-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The bank credit card company paid a bill from XX/XX/XXXX from an account that I had previously closed. The company 's customer reps who I talked with by phone said they could not understand why the bill was paid because the account had been previously closed. A customer rep in the XXXX XXXX in person found that the account was closed in XX/XX/XXXX. My XXXX XXXX credit report shows that the account was closed in XXXX of XXXX. On XX/XX/XXXX, I wrote to the bank credit card address given on the credit card statement that my account being changed had been previously closed. To date ( XX/XX/XXXX ) I have not received any explanation -- though as a result of my in-person meeting with the bank rep, they notified me in a letter dated XX/XX/XXXX, XXXX that they had opened a claim that I was disputing the vendor 's charge ( which was not my complaint ). I have also received my XXXX statement which has a {$25.00} late fee attached! I do not mind paying the bill ( minus the late fee ) if I get an assurance from the company that no further charges on the closed account will be billed to me.

Company response to consumer: Closed with monetary relief