BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
My daughter received an invitation in the mail from Discover to apply for student loan. When she applied for the student loan for XXXX school year, Discover denied her and then requested a co-signer in which my wife and I agree to co-sign. Discover denied both me and my wife as well. Discover is penalizing us for receiving credit counseling services and for accounts that was paid off through this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, 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:
I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - XXXX  of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
XXXX  reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month XXXX sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX  monthly minimum interest fee times 5!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent affidavit and ftc to experian and XXXX of the inaccuracy fcra bill that never received of the rate and fcra violation of the payments never been late

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - XXXX  of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
XXXX  reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month XXXX sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX monthly minimum interest fee times 5!

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 2020-05-27
Company: College Loan Corporation
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019 I received a letter from XXXX XXXX regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from College Loan Corp to XXXX. I checked my credit report and XXXX XXXX is reporting this alleged debt as a collection. I contacted XXXX  XXXX and requested documents verifying this alleged debt. XXXX XXXX sent me copy of the promissory note dated XXXX. I called XXXX XXXX and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the XXXX XXXX inaccurate credit reporting is now causing me monetary damages.

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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently obtained my credit report. There are accounts listed that do not belong to me. Please investigate and remove this account. Please send an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported 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 2019-08-09
Company: EQUIFAX, INC.
State: HI
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: AL
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 XXXX reported for the credit bureaus that I was 30 and 60 days late. However my account was paid in full and closed out back in XXXX of 2019 I contacted credit strong and they stated that they would resubmit the corrected information to the credit bureaus to have it fixed.

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 2020-05-27
Company: EQUIFAX, INC.
State: AL
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 XXXX reported for the credit bureaus that I was 30 and 60 days late. However my account was paid in full and closed out back in XXXX of 2019 I contacted credit strong and they stated that they would resubmit the corrected information to the credit bureaus to have it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Transunion, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something to remove XXXX ( Original Creditor : 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 2018-10-16
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:
A Bankruptcy is being reported on my credit reports. When disputed I was informed that the item was verified and when I followed up I found that the proper channels and procedures were not used to verify the information per the FCRA. 

The CRA failed to contact the original furnisher listed on my provided credit report Required by section 611 of the FCRA : OHIO FEDERAL COURT -XXXX XXXX XXXX XXXX XXXX , OH Instead they used a 3rd party Called XXXX . XXXX is not eligible to be referred as a Furnisher due to being a consumer reporting agency itself. 


To Further the issue I have received written confirmation that the court itself does not verify or provide any information to any 3rd party entity. 

This being the source making the information unverifiable per the FCRA and should lead to its deletion. 

I have disputed this issue and have also informed the CRA of the violations and yet still received a verified response with no further information. 

I have disputed this information several times and now ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: NPAS, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX, and/or affiliated persons, demanded money from me that I do not owe. 

Specifics are given by the attachments. But generally, XXXX and those in privity with him, demand money for medical services,  which XXXX, et al., failed to obtain from my medical insurer, by XXXX 's own wrongful conduct. 

The services were preventive under 42 U.S.C. 300gg-13.  Nevertheless, XXXX and those in privity with him, failed to submit proper claims to complainant 's XXXX XXXX XXXX XXXX insurance plan. Instead, XXXX et al. proceeded with false statements of a debt, and attempts to deceive, harass, intimidate and coerce money out of someone who did not owe it. 

XXXX 's affiliated persons include " National Patient Account Services , Inc. '' ( or " NPAS, Inc. '' ) operating from and/or chartered by the States of Kentucky, Tennessee and/or Texas, and " XXXX XXXX XXXX XXXX, '' probably connected with the States of Oklahoma and Ohio ( see attachments, p. 3 ).

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 2020-12-05
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
At the time I believed the scammer was selling a XXXX XXXX for {$500.00} and I saw on his XXXX stories section that there were numerous satisfied customers who had gotten their products. I messaged the scammer and upon sending the payment I was told I would receive a tracking number shortly. However when I later asked for more information and got no response I requested a refund through Zelle but when I informed the scammer of this I was blocked from their account. I have screen shots of the account if needed. Here are screen shots of the chat, proof they blocked me after I requested a refund and the item in post made by the scammer. I have already filed claims with Zelle, XXXX  XXXX XXXX, FTC, IC3 and reported the account to XXXX. currently XXXX  XXXX XXXX is doing an investigation but I was told there is most likely nothing to be done. However I believe that something can be done if these companies act quickly enough

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtain my credit file and noticed Lvnv is still reporting on my credit file even after meeting the settlement agreement and paying as requested by creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: NE
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:
credit card company says its over 60 days and cant dispute over 60 days when i didnt even authorize the transaction.

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 2021-10-06
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2018, I called the Citi Card customer service line to inquire if a payment had been made on my account. The automated system said my account had been closed and a payment of the balance of {$7800.00} ( and change ) paid. I did initiate the payoff, but have not requested by phone or mail for my account to be closed. 

On XX/XX/2018 I called the customer service line and requested to speak to a representative to have my account reinstated. I was told the account was closed by my request over the phone, but they could not provide proof of the automated or recorded call. The representative said the notes were confusing and they would have to get a second level supervisor to review. I stated I had not requested my account be closed and I wanted it reopened. He said they would research and get back to me, they may have to pull my credit to reopen. 

Today, XX/XX/2018, I received a letter saying the balance has been paid and my card closed. Again, I wanted the card left open and not closed. 

I am have been working to rebuild my credit and am concerned on how this closure will negatively impact my credit score. 

Please advise if you need more details. 

Thank you, 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 2018-10-16
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2018 Equifax removed XXXX XXXX XXXX XXXX ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: COAST PROFESSIONAL INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I contacted my HR Dept due to I noticed that my paycheck was being garnished. I assumed it was for back taxes but later found out it was for a student loan. The garnishment came from a collection agency Coast Professional Inc.through the US Dept of Ed. The garnishment started XX/XX/XXXX. I called Coast Professional, and talk to XXXX who said that it was strange that there was no information on the file about the school and that it shows my name listed as XXXX XXXX. She suggested that I send proof of the last school that I attended and any addresses to support that this was not my account because I told her that it was fraud. I received a letter from Coast Professional XX/XX/XXXX stating that a student loan was in default and I had 30 days to dispute the validity of the debt.There was no information of the school or time frame as to which I allegedly attended this school under the name of XXXX XXXX. I have not attended any school since XXXX. I searched and contacted the last school that I attended, the State of Illinois Board of Ed sent me what they had, since the school close due to losing it accreditation. The last name XXXX is my ex married name, I have never attended any school using the name XXXX XXXX or any formation of such name.

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 2020-11-24
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
SYNCB/Ashley Home Store is reporting a XX/XX/20 late. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.

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 monetary relief
Consumer complaint received 2018-10-16
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled a copy of my credit report from all three credit reporting agencies and was scrubbing for inaccuracies when I notice that the balance Bridgecrest have been reporting was not correct. I called the company to inquire about my account balance and the method which they used to distribute the principal and interest and was told that everything looks good on their end and that my loan is a simple interest loan which incurs daily interest. I asked if they have hidden fees and was told No they do not. Dissatisfied with the answers I got, I asked for an updated statement of my account activities which Bridgecrest sent me two days later. I carefully went over the document and noticed a trend in the distribution of principal and interest. Instead of gradually declining ( Interest Payment ) and increasing ( Principal Payment ) the numbers keep jumping back and forth, which is highly unlike the result of simple interest equation. I got with my financial adviser to look over the statement, Contract and my account and upon revision came to the same conclusion that the numbers are not adding up. I called Bridgecrest after my talk with him and got connected to the Military department where I spoke with a lady who gave me the same spill about my interest is calculated on a daily basic and nothing is out of the ordinary. I then realize that I would not resolve this without a third party. Also, I noticed that my first Bi-weekly payment all went to interest.

In addition, I also compared the balances from statement with all three of credit report and notice that they did not match.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-08-09
Company: Experian Information Solutions Inc.
State: HI
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 a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI 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