BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
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: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a late on my account that I should not have. I never received a notice and they are not even reporting a date for the late to my credit, just that I have one. I have never been late on this account and have made all my payments on time, I never received a notice for this and only found out when I got my credit pulled, it does not even show the late date. This is erroneous and needs to be removed.

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 2021-01-24
Company: SYNCHRONY FINANCIAL
State: OR
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXXXXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2017-08-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I visited XXXX 's in XXXX, Tennessee on XX/XX/2017. I tried to write a check for {$70.00}. I 've shipped at this store for years. The cashier told me my check was declined. I said there is no way. I work at the credit union the check is drawn on and there is money in that account. I 've never bounced a check in my life. I asked th cashier to run the check again and it was declined again. Another associate tried it again and still declined. I asked for the phone number and called Certegy Check Services. I spoke with a reo that said my check did n't meet the criteria but would n't tell me why. This was a huge embarrassment for me. I have excellent credit, long standing employment and lived at the same place for over 13 years. I would like an answer as to why my check was declined. It is pure discrimination and unfair. Something is very shady about that company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Already had a hardship deferment with previous collector ( XXXX ). New collector ( Navient -- who had it before XXXX ) took my {$5.00} a month, and then said I had to pay {$280.00} ( One-third of my Social Security for the month ). I paid them on XXXX XXXX {$10.00} to show my good faith to hold while the process the paperwork with documents provided. They acknowledged they had the documents in their system. I had been on deferment before, nothing said I was not on deferment anymore. They again sent me notice they were still collecting {$280.00}. I asked them why, and they said it was going through the process. Do n't worry. Oh XXXX XXXX they pulled {$280.00} ( 1/3rd of my month 's income ) out of my checking account. I called and asked why/? That left me nothing to pay my rent. The Navient 's customer service person said because I gave them permission to pull from my debit card for {$10.00}. That opened the door. I called my credit union, and they said the money was NOT pulled by my Debit card. They pulled directly out of my checking account. ( I tried to upload copies of Navient 's agreement to let me pay {$5.00} a month, my SS letter of my month allotment, and previous XXXX agreement, but my internet access is very poor and it did not process. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First Credit Union will be transitioning all adult checking accounts to a Premium Checking account, and charging a $ XXXX  monthly fee. They advertised the premium checking as something that was optional or for new accounts. They sent an email saying that my account would automatically be transitioned to the new premium account, without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX  {$630.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$630.00} High Balance {$630.00} Remarks Medical Consumer disputes after resolution XXXX XXXX XXXX {$370.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$370.00} High Balance {$370.00} Remarks Consumer disputes this account information Medical XXXX XXXX  {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX   Original Creditor XXXX XXXX XXXX XXXX   Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks Consumer disputes this account information Last Reported XX/XX/XXXX Creditor Name XXXX  Account Type Rental Agreement Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 36 Months Monthly Payment {$0.00} Responsibility Individual Balance {$4200.00} Highest Balance {$4700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-offXX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 49 Months Monthly Payment {$420.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status 30-59 Days Late Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$440.00} High Balance {$330.00} Remarks Placed for collection XX/XX/XXXX Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$220.00} Remarks Placed for collectionAccount Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$190.00} High Balance {$190.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE DISPUTED INQUIRIES LISTED ARE DUE FOR REMOVAL OFF 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 non-monetary relief
Consumer complaint received 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One now requires login with personal information including social security number. 

This is an extraordinarily bad idea. 

Anyone could set up a similar site and grab personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: JPMORGAN CHASE & CO.
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:
In XXXX of XXXX my credit card account ending in XXXX became120 days past due. The months after from XXXX - XXXX of XXXX, the company has reported a missing history to XXXX and XXXX. From XX/XX/XXXX XXXX XXXX the company reported a Charge- off every month, for a total of 28 charge-offs. This fraudulent method of reporting damaged my credit- resulting in me being forced into a settlement agreement to improve my credit. The company has effectively limited my ability to apply for and receive credit by making it appear as a new charge-off was filed each month. Basically, re-aging the charge-off. 

According to IRS, Section166- Deduction for bad debts 26 CFR 1.  166-2 ; Evidence of Worthlessness, after 6 months or 180 days a debt must be charged off. 

The above referenced statue dies not mention the ability to legally, repeatedly charge off an account that many times. They have violated the FCRA, by reporting multiple inaccuracies on a routine basis. I personally believe this is a pattern of bad business conduct by JPMCB and perhaps thousands of customers being affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: WA
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 keeps showing an old XXXX account from XX/XX/2015 with a balance of {$25000.00} which is NOT correct. I have contacted them numerous times about the inaccurate info and they refuse to delete the information even though XXXX  and XXXX immediately complied without any trouble. Experian refuses to provide any written proof the entry is accurate, this is a violation of the FCRA.

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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Sent in disputes with proof of inaccuracies for several months with no change. Sent last disputes in XX/XX/2020. No changes. Credit report is showing accounts with wrong account numbers, wrong address, incomplete and inaccurate payment history, dates of accounts saying closed but still reporting negative over 2 years after the close date. Incomplete payment history dates. Accounts only 60 days late and is charged off. Payment recieved is higher than the high balance.

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 2023-09-12
Company: Nelnet, Inc.
State: IL
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:
I have a federal student loan originated in XXXX and XXXX that was originally serviced by NelNet. In XXXX it was sold to XXXX and my principal balance significantly increased. In XXXX I required XXXX perform an audit where it was uncovered payments were being improperly applied to the balance, and inflated by interest accruing. In XXXX I had a balance of {$8300.00} ; however, when it was sold back to NelNet in XXXX, my balance increased to {$9600.00} despite not being active since XXXX AND no interest accruing due to COVID relief programs. 

I tried e-mailing and calling NelNet, and have not received ANY responses. I am not willing to pay for inaccurate principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our payment for XXXX and XXXX was made on XX/XX/2019. We understand that our XXXX payment was 30 days late, but our XXXX payment was not. I called on XX/XX/2019 and spoke with XXXX ( when asked for a call reference number, I was told they don't provide call reference numbers ). She verified that the XXXX reporting was their error. She instructed me to email their credit reporting department to notify them so it could be corrected. I received a letter, notifying us that the reported information is accurate. I have printed off our payment record directly from the mortgage company showing it was paid on XX/XX/2019. I am attaching that documentation.

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 2020-07-15
Company: EQUIFAX, INC.
State: TN
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 AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: SC
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 XXXX  account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Regional Management Corporation
State: NC
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:
XXXX XXXX XXXX was reporting this account as a collection on my report during the time when the account was showing open with the original company. The company XXXX XXXX stated they were handling the issue and was not using the reporting agency. According to my XXXX credit report, they reported past due and in collections when they were not allowed to. XXXX was also showing the same information and the account being opened with them. When I reached to XXXX XXXX over the course of 2 years, each time a representative was rude and could not provide me documentation where XXXX asked them to obtain the account. It was being reported negative wit past due and as a collection, causing my score to drop significant. XXXX stated this would be fixed and XXXX XXXX was to close and delete the account back in 2016. This is still on my report as a collection incorrectly and with 27 90 day past dues!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Account status incorrect

Complaint:
XXXX XXXX continues to report to XX/XX/XXXX Experian and XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 submitted multiple disputes with XXXX, XXXX, and Transunion and have yet to receive any correspondence from them! I have inaccurate items reporting on my credit file that I need removed immediately. I have been trying to get things removed since XXXX of 2020 and have yet to receive a single letter or word from them. I understand with the pandemic, there is a delay but this is ridiculous. They lawfully have 30 days to respond to my disputes and it's been months!! The inaccurate items must be removed from my credit immediately.

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 2021-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XXXX Portfolio Recovery has been attempting to collect {$620.00} on an account I closed over 7 years ago with XXXX XXXX with a XXXX  balance. The card was a secured card and the deposit was used to close out the account. In XX/XX/XXXX I expressed my frustration with the original creditor, XXXX XXXX, and they agreed with me and gave me a new credit card account! For the past 4 years, however, I have repeatedly disputed the previous account with Portfolio Recovery and they have not been able to provide me with substantial docs necessary to substantiate the debt. 

On XX/XX/XXXX I filed a formal complaint with the IL Attorney General 's office regarding this matter. I was told that per law Portfolio Recovery is to provide the following docs to me in writing. 

1. Original Contract between me and XXXX XXXX 2. Payoff disclosure provided at the time I opened the account 3. Interest rate disclosure 4. Balance history 5. Payment history 6. Credit insurance disclosure I have requested these items from Portfolio Recovery and they have refused to provide them. I demand that PER LAW they either provide these docs or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: SC
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:
They claim that I have late payments with XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX.XXXX XXXX. I have disputed several times asking them to validate these non payment or late payments accounts and they have yet to do so. I've submitted letter, bank statement and copy of money order and certified mail showing proof that I never paid late. I also have confirmation from faxes and yet when I call the company and credit bureau, they saying that they have not received my disputed but my records show otherwise.

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 2018-02-07
Company: BARCLAYS BANK DELAWARE
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:
There are 4 accounts on my credit report that i have never opened cor applied for credit with. 

I contacted the companies ( XXXX, XXXX XXXX & XXXX ) directly as well as XXXX  XXXX amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.

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 2021-01-22
Company: KEYCORP
State: WA
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 complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the XXXX information is creating problems with my banking institution XXXX XXXX XXXX XXXX XXXX XXXX. I want justice for frivolous actions that EWS is doing. This been a going on since XXXX of 2020. I have provided them everything include evidence of EWS and Key Bank errors and misreporting.

Company response to consumer: Closed with non-monetary relief