BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
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: Information belongs to someone else

Complaint:
FCRA violations : accounts are not mine XXXX XXXX XXXX XXXX Account status Closed Age of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. $ FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Multifamily XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Date XX/XX/2020, My credit scores dropped off XXXX point by EXPERIAN without any known reason. 
My scores went down from XXXX to XXXX. I dont remember i do any thing wrong. My history is 100 % percent. 
I pay on time and my debt % is less than 4 %. I just remember that i did one dispute for some companies to remove from inquiries and this is not the first time i do dispute. 
I dont know whats the reason that makes EXPERIAN drop my scores by XXXX points?

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 2022-01-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
These accounts are hurting my reports. 
Please see attachments

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 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
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:
When I went to the car dealership, I was informed that they would only run my credit once to assess my eligibility for a car loan. However, to my dismay, it became evident that they had run my credit multiple times without my consent. This action by the dealership raises concerns about their compliance with the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. It requires businesses to obtain consent before accessing an individual 's credit report and limits the number of times a credit inquiry can be made without permission. By running my credit multiple times without my consent, the dealership violated the FCRA 's provisions, which aim to protect consumers ' privacy and creditworthiness. 

Credit Inquiries 31 ( 1 ) EXPERIAN XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX ( 4 ) XXXX ( 5 ) XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX ( 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX ( 10 ) XXXX XXXX , XXXX ( 11 ) XXXX XXXX XXXX XXXX ( 12 ) XXXX  ( 13 ) XXXX XXXX XXXX ( 14 ) XXXX XXXX XXXX XXXX ( 15 ) XXXX XXXX ( 16 ) XXXX XXXX XXXX ( 17 ) XXXX XXXX XXXX ( 18 ) XXXX XXXX ( 19 ) XXXX XXXX ( 20 ) XXXX XXXX XXXX XXXX ( 21 ) XXXX XXXX XXXX ( 22 ) XXXX XXXX ( 23 ) XXXX XXXX  XXXX ( 24 ) XXXX XXXX  ( 25 ) XXXX XXXX ( 26 ) XXXX XXXX XXXX ( 27 ) XXXX XXXX ( 28 ) XXXX XXXX XXXX ( 29 ) XXXX XXXX XXXX XXXX ( 30 ) XXXX XXXX ( 31 ) 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 non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-19
Company: Minto Financial dba Minto Money
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called the collection department today XXXX, 2022 offering to pay off my loan of {$1000.00} and close it out as it was all I have to do they already caused my bank account to be overdrawn when I didn't have money in the account now they won't accept my {$1000.00} payment to be done with I borrowed {$1100.00} they want me to pay them {$1200.00} and I have already made a couple of payments to them already {$140.00} each, and the lady I spoke to today was very rude to me and my wife I will not deal with them anymore this is ridiculous I hope we can come to a quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: WI
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:
There is an account with XXXX XXXX where the payments are reporting late and that is not the case The account number is XXXX. I have attached proof that this should not be reporting with any late payments

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 2018-01-16
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Firstpoint Collections is currently trying to collect on 2 debts that I 'm not responsible for. They are reporting these damaging fraudulent accounts on my credit even after I disputed the fraud and sent the police report. This is very unprofessional and is unethical. i fell my rights are being violated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: GOLDMAN SACHS BANK USA
State: MT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an email From : Marcus by Goldman Sachs XXXX XXXX Same day transfers are now possible Customer since : XX/XX/XXXX Hi XXXX, Weve made an improvement at Marcus that could make moving your money easier : When you schedule a transfer of {$100000.00} or less by XXXX XXXX ET on a business day, Marcus will complete the transfer by XXXX XXXX ET that day. 
Theres no extra step, no extra box to check. You schedule the transfer at marcus.com or on the Marcus app, and we do the rest. 

This is also at XXXX XXXX XXXX Transfer funds between your Marcus savings accounts and a linked external bank account. Marcus will complete transfers of {$100000.00} or less made through Marcus by XXXX XXXX ET on a business day, by XXXX XXXX  ET that day. 

I confirmed in XX/XX/XXXX thru phone call with a Marcus rep that the {$100000.00} limit was per transfer, not per day. 
On XXXX, before XXXX EST ( 2hours before the cutoff time ), I authorized at marcus.com 3 ACH transfers of less than {$50000.00} each out of my marcus savings. 
My external bank XXXX ( apy 4.00 % ) did NOT receive the funds until Friday XXXX. I had called and alerted XXXX  to watch for these funds, but they DID NOT ARRIVE UNTIL Friday XXXX, 2days later. 
I earned 0 % interest for those days. I believe an issue was the delay caused by a call I received from a Marcus rep at ~ XXXX XXXX est wed XXXX, to discuss if I really wanted to move my funds out of Marcus and why I was doing this. I explained to the rep to please get these transfers submitted ASAP as it was then minutes until the cutoff time. He insisted on continuing the conversation. 

I called Marcus.com several times on XXXX and in the following week, waited thru very long hold times, and explained the situation in every call and with every rep and manager/supervisor. I requested a credit into My Marcus savings ending in XXXX of the 4 % interest on the total amount transferred for {$34.00} Marcus supervisor XXXX at XXXX XXXX stated a customer sevice credit could be given and gave case # XXXX. This request has since been denied. 
One Marcus rep said they did not need to honor the email nor the faqs. I am requesting the {$34.00} credit here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: WI
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:
There is an account with XXXX XXXX where the payments are reporting late and that is not the case The account number is XXXX. I have attached proof that this should not be reporting with any late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EdFinancial Services
State: KY
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:
I HAVE REACHED OUT THIS COMPANY FOR YEARS. I went and opened up adversary proceedings. I have the documentation for the provider and no will help resolve the issue. 
If you look at the credit report it shows the loan balances are higher than it was when it started and now the payments made can not be found. the loan was in forbearance for 30 days and then for 1 year. Sporadic data across the board. I need my credit report to be fix it and the creditor to explain the discrepancies.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-06
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was purchasing a set of tickets for an event and the woman took my XXXX and never gave me the tickets - PayPal refused to cover the fraud. They said they can not cover the funds even though I used my secured account. I have the XXXX posts and a copy of the

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was only informed of this debt that I did not owe because I received a letter at my mothers house. Someone allegedly used my information to obtain furniture, they never made a payment, and I was sued because of this. I never signed a contract, made a purchase, went into any type of agreement with this company or any of its representatives. I found out this furniture was delivered to an address that I have never been associated with, and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I went through a hardship due to XXXX. I lost my job and had no source of income. My last servicer said they would help me. My loan then transferred to SPS. They asked me if I was experiencing a COVID hardship and I was so they put me on a forbearance plan. After the forbearance they sent me a balloon payment that I can not afford. I was told to send in a full modification package and I did. They denied me a modification. Now, I don't know how I will catch up and I am scared of falling into foreclosure. I feel like SPS should not have given me the forbearance if I was going to be stuck with a big payment. I feel as though this was a way to get me behind in my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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: Account status incorrect

Complaint:
I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be 30,60,90 days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act 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 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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be 30,60,90 days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.

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 2021-07-19
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Target Bank was sent a letter of dispute. After review of my credit reports, Target Bank has not marked my account as disputed as required by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
A loan agreement was made in XX/XX/XXXX and the attached repayment schedule is what was agreed to. This loan was transferred to Nelnet, from XXXX, in XX/XX/XXXX and now it appears we are paying over {$5000.00} more than originally agreed upon. At no point did we agree to any repayment changes nor did we ask for the loan to be moved/changed. I understand there were to be graduated increases, but what we agreed to and what we have paid are NOT even close. 
Additionally, no one at Nelnet can show me why this would have changed and XXXX no longer exist. Note that we have also been turned down for the Gov't student loan forgiveness program even though I've been a Govt employee for XXXX years This WAS a Gov't backed loan, we never asked for it to be moved/transferred, so I don't understand why I wouldn't qualify and No one can explain it to me? 
The final payment dates are the same on both of these schedules, yet I am paying substantially more than originally noted. So why wouldn't it be paid down sooner???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Personal information incorrect

Complaint:
There is a student loan account that is reporting on my credit report in which I am unsure that student loan belongs to me. I have tried contacting the school via correspondence ; however, I haven't received any documentation suggesting that this account belongs to me. 

I never received any documentation or invoice regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally Finance was notified in XX/XX/2017 regarding in error in the account status of not being late in a scheduled payment. I requested a review of the account and the clerk stated the account would be corrected and placed in good standing. As of this complain the error was never corrected and Ally report the status as late. Please remove this from the credit reporting report services. 

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