BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: ONEMAIN FINANCE CORPORATION
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Tennessee XXXX Acct # XXXX OneMain Financial XXXX XXXX XXXX XXXX XXXX, TX XXXX CC : Consumer Financial Protection Bureau XX/XX/2020 To Whom It May Concern, I am making a formal complaint regarding your credit inquiry process. 

I am distressed that you have reported multiple hard credit inquires to my XXXX  credit report when it was communicated to me by your representatives that OneMain Financial offers via XXXX XXXX were soft inquires and therefore would not appear on my credit report at all. It was also communicated to me that once I already had loan from OneMain Financial that any additional loan inquires would only be soft inquires. 

There should be only one hard inquiry on my credit reports for OneMain Financial. As it stands today my XXXX  credit report shows a total of FIVE hard inquiries from OneMain Financial which negatively impacts my credit rating. This is especially distressing because I was a great customer, always made my loan payments on time and even paid off my loan in full early. I did this thinking that OneMain Financial would definitely see me as a great customer if ever I needed to get a loan in the future ; however its a slap in the face to see that my great stewardship and diligence to build a positive credit trade line ends up actually hurting my credit score.

Therefore I contend that OneMain Financials processes for credit inquires exceeded expectations and was performed without properly informing me, the customer that these were hard versus soft inquires to my credit. I also contend that OneMain should do more to properly educate their representatives and potential customers on the difference between hard versus soft inquires as it was clearly not communicated to me that all credit reporting benefits of obtaining and properly paying on a OneMain Financial loan would be negated due to excessive inquires. Had this been properly communicated Im quite sure I would not have applied at all. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had purchases in the amount of {$640.00} on a promotional balance that expired with the XX/XX/2019 statement. I called the credit card company in XXXX inquiring as to when I needed to payoff the promotional purchase to avoid interest. She said I needed to make the payment after the XXXX statement closed. I made my XXXX statement payment in full of the expiring promotional balance of {$640.00} on XX/XX/2019, 8 days prior to the due date of XX/XX/XXXX. Rather than my payment paying off the expired promotional balance, my payment was applied to two other younger balance transfers and I accrued {$10.00} interest on the {$640.00} of purchases on the expired promotional balance on the XXXX XXXX. I called the credit card company today, XX/XX/XXXX, and they tell me I now need to make the payment in full plus interest to avoid further interest on the balance and that I made my payment too early as the balances were all 0 % promotional on the XXXX statement, yet I was accruing interest on the {$640.00} as of XX/XX/XXXX. I asked how come the payment wasn't applied to the balance accruing interest, and they said it wasn't accruing interest last month yet there is interest accrued on this months statement. They refused to fix the issue. Im not sure how I could have avoided paying this interest as they would not extinguish the expired promotional purchase balance with the payment in full I made before the due date. This can not be in compliance with the CARD Act of 2009, as I had a balance accruing interest and my payment was not applied to that 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 monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX  XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # 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 an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-01-07
Company: Experian Information Solutions Inc.
State: TX
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: In progress
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
MY NAME IS LISTED WRONG AND PREVIOUS ADDRESSE ARE WRONG

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 2020-01-07
Company: EQUIFAX, INC.
State: TX
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: SHABANA MOTORS
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Synovus Bank
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a secured card with this company since XXXX. I had never had an issue with thin in the 5 & a half years of being a customer. I recently noticed that there were 2 late payments in my account for ( XX/XX/XXXX, & XX/XX/XXXX ). I was diagnosed with XXXX ; & was unable to work due to my preexisting conditions, coupled with XXXX made me bed ridden. That is why I fell short of making those 2 payments. I disputed the late payments ; only for this company to add 1 more late payment to my account ( an entire year after I closed the card with a XXXX balance, & 5 years after that first late payment ). 
I do not owe them, & what went from 2 late payments ; is now reflecting 3! I ask that the late payments all be removed for inaccuracy. I was a member in XXXX, of XXXX ; & personally spoke to a representative that removed that late payment while I was on the call. So, why add the late payment back 5 years after it was removed to hurt my credit? I am currently battling king XXXX? & XXXX XXXX I need these removed to get into transitional housing as I am homeless with XXXX kids. Please, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got pulled over and went to XXXX and found out someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to XXXX for two weeks because someone was using my credit I even have court documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Law Office of Michael J. Scott, PC
State: AL
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:
I had an account with XXXX/XXXX  that opened in XX/XX/XXXX. In XX/XX/XXXX, I underwent XXXX  for XXXX XXXX XXXX, and was off work for 2 months, and requested paperwork to utilize the Credit Protection Program called XXXX. I completed the documents and sent the paperwork from my Dr. After that, I never heard anything else, so I assumed it was processed and applied to my account. 

Later that year, after reviewing my credit report, I noticed a charge-off from XXXX and was bought by XXXX XXXX, who in turn was taken over by XXXX XXXX XXXX. In accordance with the FCRA, I had requested Debt Validation on several occasions, but was never sent any documentation in order to validate the debt as requested, but they continued to report it as a collection account on my credit report. Now come to find out, it was sent to Scott & Associates, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and a lawsuit was filed in our local XXXX County Alabama courts. I was served by the court. 

I contacted Scott & Associates local office in XXXX, Alabama, and was told that if either paid the account in full or set up payment arrangements, they would place a hold on the court case until the account was paid off. I was never provided any sort of Debt Validation documents, although I requested them multiple times, as well as I have requested it through the credit bureaus as well, and it comes back as validated, but the creditor and credit bureau and collection agency refuse to provide documentation that I am entitled to by law. 

Time is of the essence since I have until XX/XX/XXXX, to make another payment of {$200.00}. I feel that this debt needs to be invalidated and all court proceedings and any judgments be stopped and cancelled for violation of the FCRA. I am also requesting a refund of the {$200.00} that I paid to Scott & Associates on XX/XX/XXXX. 

According to my rights under the FCRA and Fair Debt Collection Practices, all parties involved are in violation of my rights as a consumer, and I would like immediate resolution. 

Thank you for assisting me with this matter of the utmost urgency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX said that XXXX XXXX XXXX XXXX, account was updated and verified. But who is furnishing my account please give me a detailed description of who gave the credit bureaus this information. And how was this account verified? Whats the name and address of the person who's furnishing this account? 
According to the Fair Credit Reporting Act 15 U.S. Code 1681i- ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Please send me the form to my address on file ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. The credit bureaus failed to correct my credit report which is hurting me and destroying my way of living. 

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I have not received any notice in the mail from XXXX XXXX XXXX informing of the dispute or any description of the nature of the dispute. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please send notice to mailing address on file

Company response to consumer: In progress
Consumer complaint received 2021-07-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was a student at XXXX XXXX from XXXX - XXXX, while applying for financial aid the financial advisor at this campus never went over interest rates, early payment options or any financial statements other than approval for the loan or not. 90 % of my loans were not applied to federal aid, forcing them to privet companies, Sallie Mae in this instance. Being a financial advisor at a for profit school and having young people not knowing any better couldn't have been easier. I have been trying to work with now Navient ( was Sallie Mae ) on getting this loan refinance or discharged for at least 10 years now. I've been outright told at least a dozen times that I do not qualify for a lower interest rate or refinance option because I make my payments on time. Navient has declined my attempts to refinance these loans. I asked how much I have paid towards the principle and was told around {$12000.00} over the past 14 YEARS. When I asked how much I've paid in interest they hit me with {$70000.00}. The original loan amount was around {$48000.00}. 

Today, there isn't a student loan refi company that will entertain my loans being refinanced for a lower rate because I attended XXXX XXXX from XXXX. Navient continues to refuse refinancing my loan and refuses to lower my interest rate so that I can pay them off. 

Fortunately, I have been been able to may my payments on time, but at what cost? 
I have been unable to purchase a house, car, certain jobs or get other loads due to the burden of these loans. They have taken their toll on me mentally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: FL
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 have attached an FTC report with fraudulent inquiries please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX XXXX, XXXX XXXX, the bureaus, XXXX   XXXX and XXXX  XXXX XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Army and Air Force Exchange Service
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am trying to settle a debt with the Army & Air Force Exchange Service directly and not with the collection agency due to the poor service.

Account # XXXX XXXX XXXX XXXX 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 2023-12-08
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans have been forgiven by the Federal Government. XXXX and XXXX show that I have no open loans and that they are paid off. XXXX shows that I still owe {$92000.00} to AidAdvantage. My loan was transferred from AidAdvantage to XXXX in late XXXX. It was then forgiven at XXXX in XX/XX/XXXX. XXXX shows the balance at XXXX to be {$0.00}. In early XX/XX/XXXX, I provided XXXX with my letter from the Federal Government stating that the loan has been forgiven, a screen shot from the XXXX showing a XXXX balance. They denied my request to remove the balance from my credit report. Then on XX/XX/XXXX, I provided them with the letter from AidAdvantage stating that my loan was transferred to XXXX. I also provided them with a letter dated XX/XX/XXXX stating that the loan balance at AidAdvantage was {$0.00}. Again they denied my request to update the credit report. They state that I still owe a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent multiple disputes in regarding misleading/inaccurate items on my report. I recently found out my information was compromised in the XXXX data breach. Now more than ever I feel my information has fallen into the wrong hands. After doing extensive research I saw it is illegal per FCRA Section 807 to report inaccurate items. Im reaching out to hopefully get a repose this time. It has been over 60 days with no response regarding this invalid items.

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