BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: MD
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:
Equifax, XXXX  and XXXX  have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with Equifax XXXX  and XXXX asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact XXXX   directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on XXXX  is {$15000.00} whereas on XXXX  it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but XXXX   reports {$9000.00} Equifax also reports {$9000.00} and XXXX  reports {$9000.00}. The date of item removal on XXXX  is XX/XX/XXXX whereas on XXXX  it is XX/XX/XXXX. The most outrageous and disgusting thing is that XXXX  has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act XXXX FCRA ) and hurt consumers as they wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge of this account and i have two of the same account twice on my credit report for the same thing and same amount. Im being credited twice and i do not understand why when I've made several attempts to resolve this issue with reaching out to the creditor and trying to fix it with my XXXX it is still on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I received a letter from XXXX  informing me that they received information from Lexis Nexis Consumer Center that there is a Bankruptcy under case ID XXXX in my name. I check with the Bankruptcy Courts in XXXX Florida and was informed that there is no Bankruptcy being reported under my social security number. 

I'm requesting that Lexis Nexis Consumer Center and XXXX  remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, TransUnion and XXXX  have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with XXXX  TransUnion and XXXX  asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact XXXX   directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on TransUnion is {$15000.00} whereas on XXXX  it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but XXXX   reports {$9000.00} XXXX  also reports {$9000.00} and TransUnion reports {$9000.00}. The date of item removal on TransUnion is XX/XX/XXXX whereas on XXXX  it is XX/XX/XXXX. The most outrageous and disgusting thing is that XXXX  has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act ( FCRA ) and hurt consumers as they wish.

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 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my XXXX and Transunion reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.

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 2018-11-17
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This collection company has the wrong number. I've requested SCS to remove my  number from their system. Today is Saturday XX/XX/18 and SCS is still actively calling my cell phone. This people are calling me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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 addresses on my accounts are incorrect, I've tried to reach out and get it rectified but its been long enough with no response.

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 2020-11-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The previous complaint with CFPB, reference number XXXX, was resolved. Attached is a copy of the letter from TD Bank confirming resolution. However, when I attempted to use the retail card, it prevented me from completing the purchase. Attached is the screenshot of the attempted transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech mismanaged 3 extra principle payments. 2 of  which are resolved. The third {$300.00} payment from XX/XX/2018 is still not applied. We have been sending letters back and forth since XXXX of 2018. We have sent bank statements at the request of Ditech only to be told a month later that they now needed copies of the cancelled checks which we provided. We believe they are purposely delaying in anticipation of their bankruptcy proceedings. We have copies of all communications from Ditech and all the letters we have sent. With all the letters and statements and copies of checks we have 20 to 30 pages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a NetSpend card and was charged by a couple merchants I shouldn't have been. I filed a dispute and one vender returned my funds to them but they are holding it till the other company does the same. It has taken months. This has put me and my XXXX kids in a financial bind. They have my money from the one merchants and are keeping it to draw interest for their own benefit. They told me first I would get it back as soon as NetSpend received it. Now they are saying they won't until the other 2 disputed accounts are finished being investigated. This is really hurting me and my family so much. They keep saying a manager or the dispute department will call but they never do. I want them looked into if at all possible.

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 2018-11-17
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a line of credit of {$250.00} and withthen 30 days I paid it off. I receive a letter saying that they had change the regulation and that even if I don't have a balance I still need to pay {$60.00} every month to keep my account open.I signed the letter and sent it backk to close the line of credit. But I got a bill for the amount Mainance fee of {$60.00} anyways. They said never got the letter and are forcing me to pay {$120.00} plus late fee in order to close the line of credit and they will continue to change me the {$60.00} every month until I pay off the loand. They also said will send me to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Wednesday, XX/XX/18 I spoke with an employee from IQ Data about a debt I owed. I explained that I planned on paying it the following month. The representative informed me that I had options to pay monthly if I contacted a list of third party providers she gave to me, which ended up being loan companies. She told me that if I agreed to pay {$100.00} that Friday, she would put a stop on the debt before it hit my credit report. I agreed. She began the formal process of approving the payment ( Do you authorize IQ Data to take a payment of {$100.00} ... etc ) and I agreed. The following day, she returned my call and asked if I made payment arrangements with one of the companies. I informed her that I was not interested in getting a loan and would pay the following month as I originally stated. She became rude and aggressive, saying that it would hit my credit and never be removed. I explained that when I paid the debt I would have it removed. She continued to escalate and argue so I terminated the call. The following day, the company attempted to take a payment for the entire amount, {$2200.00} which I never agreed to. They were declined by the bank both times. They then proceeded to charge smaller increments to avoid the daily charge limit. They were able to charge {$1000.00}, {$500.00}, {$500.00}, {$100.00}, and {$100.00}. {$2100.00} of that was never authorized or approved. This was clearly fraudulent and deceptive activity as they were purposely trying to circumvent banking rules. I attempted to call the company back and they would not answer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
my credit score went down and it's saying someone from another part of town have been using my information to buy things and I haven't bought anything in my name besides the home that I live in please help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Experian Information Solutions 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:
This Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, Experian and XXXX never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.

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 2018-06-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
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:
Back in XXXX I got a Title Loan through One Main Financial. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with One Main financial removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called this company numerous of times Navy Federal Credit Union because I was being fraud 2xs they gave me a provisional credit and. A new card ok cool then come back and say we didnt find any error so we closed the case ok a second time same thing how do these people keep getting my information you guys advertising that you will protect my money but definitely not showing it and Im definitely not gettin. Protected at all and now theyre holding on to my money saying that I cant get it out because its theirs when some one overdrafted my account Im closing this account out I see why no one wants to come here because yall are bad for business and definitely not who you say you are and Im posting this situation in social media, news companys etc so the whole world can know that you guys are fraudulent and definitely dont protect other people information i am now behind on my bills thanks to NAVY Federal and give me my money or Im getting a lawyer involved in this and thats that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Nelnet, 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 am a XXXX XXXX  XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX  XXXX and Nelnet to process my XXXX discharge the loans were placed in late payment status. Nelnet sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from Nelnet to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXXXXXX XXXX XXXXXXXX./Nelnet Loan updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
A fraudulent account from XXXX / XXXX XXXX XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.

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 2021-07-09
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
There is an account listed on my credit report with Innovis that is not mine. 

It is with XXXX XXXX XXXX  and the account number is ending in XXXX. 

I have disputed this incorrect information with XXXX XXXX XXXX and Innovis. 

It has been deleted from all credit bureaus except Innovis continues to report incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Total Card, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, I have had only one account with you all for 3 Years and 4 Months. With that account, my debit card expired XX/XX/XXXX and you never sent out a new card. I called and advised that my card was expired in XXXX and you all advised that you would send me a new card and my account is still open and active. 

However, you gave me a new card number for some reason and created a duplicate listing on my credit report. You sent me a new card with a new card number XXXX which should not have resulted in you changing my card number as the original card was never lost or stolen. The card had only expired and I never requested for the card number to change. However, there should not be two listings on my credit report.

You need to remove the Closed Accounts you are reporting to all three credit bureaus.

You have the following listings on my credit report : *Both Accounts have an Open Date of XX/XX/XXXX and I have only one account with you but two accounts on my credit report. 

XXXX - CLOSED XXXX - OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions Inc.
State: OH
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:
On my Experian report I have on my personal file a wrong address which I asked Experian to remove, for I have never lived at this place XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have no idea where it came from. I've never lived in California. It was posted in XX/XX/2018. 

Alos with XXXX they have a address that is not mine that address is XXXX XXXX XXXX, XXXX, OH XXXX I also would like for it to be removed off you my personal credit profile.

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