BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
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:
Springleaf merged with One Main. One Main and XXXX have been and are reporting inaccurate information on my credit report. One Main and XXXX have been and are reporting hard inquiries without verifiable proofs of my consents. One Main and XXXX have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both XXXX and One Main asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from XXXX and One Main of  their inaccurate information and I didnt receive them from all of them. Since neither XXXX nor One Main have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX :  XXXX. Certified mail sent to ONEMAIN on XX/XX/XXXX : XXXX. Certified mail tracking number sent to SPRINGLEAF FINANCIAL SRVCS on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : SPRINGLEAF FINANCIAL SRVCS Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: EQUIFAX, INC.
State: OH
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 have attached letters with this complaint. 

First of all - both XXXX and Equifax failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX   XXXX  for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting 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 2020-05-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I loss my card and it was an unauthorized purchase on my card and my bank refused to reimburse me my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-24
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contact Medical Data Systems about the inaccuracy of the debt from XXXX Hospital since XX/XX/XXXX. I even agreed to pay the portion of the bill that was accurate. The company refused to accept that amount and also refused to contact the debt holder to validate the debt after I made multiple requests in XX/XX/XXXX and XX/XX/XXXX to receive validation of the debt as required by the Fair Credit Reporting Act. 

Having no luck with Medical Data Systems I contacted XXXX XXXX Hospital and the put me in touch with the CFO, who had his staff suspend all activity on my account on XX/XX/XXXX. Please see attached letter from XXXX XXXX, XXXX for XXXX XXXX Hospital.

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 2018-11-01
Company: National Recoveries, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I asked this company to send me original copies of the statements from when this account was opened. 

They have not provided sufficient proof. 

Student loans were included in bankruptcy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The accounts and inquires are not my 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
Consumer complaint received 2020-08-20
Company: Nelnet, Inc.
State: VA
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:
On my XXXX & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I do n't know where to start. We need assistance to figure out if we are still in modification or did the mortgage company sell our home without us being notified. We have several phone calls going back and forth with Wells Fargo. We did ask them 2 months ago if we need to worry about our house going on foreclosure list. Wells Fargo Rep said They checked our account and there are not any notices or red flags on our account to be worried about. Before that we explained to them we have a lost of wages, I was recently in a bus accident and I am not able to work. In XXXX I was put on XXXX  XXXX and I am not getting what I was making to make ends meet. Again, we did tell the rep at Wells Fargo ; they asked us to send information to start modification, So we did. Wells Fargo said they will work on it and again several phone calls back and forth to get paperwork, information and proof of our situation. We began to get notices from a company called XXXX XXXX  indicating that they are selling our home and will be sold on XXXX XXXX, and now we have to get out of home in 3 days, or be evicted in 90 days. We were never notified by Wells Fargo wether we got the modification or our house was sold or any communication that we are no longer home owners. PLEASE HELP US KEEP  OUR HOME. We love our home our kids grew up there we just need help and a little time to get back where we were at financially. Thank You I hope to hear from you

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 2018-06-20
Company: Key 2 Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company Key 2 Recovery has been calling me at work on a daily basis for weeks. I have told several of their collection agents that I can not receive any type of personal calls at work and instructed them to remove the number. They have refused and keep contacting me. On XX/XX/XXXX, I spoke to XXXX and instructed her to stop calling me at work and to remove the number. She said that she was removing my work number but on XX/XX/XXXX the calls resumed again and I was contacted by XXXX. I AGAIN told them again that I can not receive any types of personal calls at work and instructed them to remove the number. On XX/XX/XXXX, I was contacted once again by XXXX and told her empatically that I can not receive any types of personal calls at work and instructed them to remove the number once again. She instead wanted to dispute that I didn't want to pay a {$4200.00} debt from a college that I stopped attending in 1999. I told her that I did not even know know if the debt bellongs to me or if it's even valid and it's 20 years old and has not appeared on my credit report.I again repeated that I can not receive any types of personal calls at work and instructed them to remove the number and she continued debating about the debt and I hung up on her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent numerous dispute letters to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. Equifax has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: NAVY FEDERAL CREDIT UNION
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:
I had a past loan account with Navy Federal Credit Union. I was late on the account and it was reported as such. I later was able to refinance the loan with Navy Federal Credit Union. As a result of me refinancing my original loan ( still with NFCU ) NFCU created a new loan, new account number with updated terms of the loan. Unfortunately, NFCU reported the exact negative information that was reported in the original loan in the newly refinanced. <P/>This is not accurate. My credit report with all 3 reporting companies XXXX, XXXX and XXXX  for several years continue to report that I had to loans with NFCU and both have the same late history being reported. <P/>I have disputed the information with each of the credit reporting companies with no resolution. I have contacted NFCU personally and enlisted the help of a credit repair company but none of my actions have resulted in a positive update to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: TD BANK US HOLDING COMPANY
State: CA
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:
My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX at the XXXX XXXX XXXX XXXX. 
They told me I was approved for credit and I signed the financing documents. 
My original Creditor was XXXX/XXXX  bank but in XXXX of XXXX it was transferred to XXXX XXXX. 

My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX Dealership and only authorized the one credit check which they said was approved. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX The XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved. 

I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As astra leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax continues to report a State Tax Lien Ref : XXXX dated : XXXX/XXXX/XXXX My Credit report is for XXXX XXXX XXXX Birthdate XXXX No other credit reporting agency is reporting this. They are reporting that it is released. This is was not released, but instead it was removed. This tax lien was filed in error, and once contacted the XXXX, this was immediatly removed. This was also removed from all my credit reports except for Equifax. I have repeately sent them the letter from XXXX showing this was a removed tax lien, and should be off my credit report. I never paid this tax lien or had it released, it was an error and should not be on my report. This is serioulsy hurting my credit and my ability to purchase a home or car. Equifax keeps saying this has been verified, when in fact I checked with the court house and they told me they do not verify to the credit bureas. I also checked with the XXXX who also said they do not verify. So they are not verifying that this information is correct and they continue to report this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: General Motors Financial Company, Inc.
State: CA
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:
My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX  at the XXXX XXXX XXXX XXXX. 
They told me I was approved for credit and I signed the financing documents. 
My original Creditor was XXXX/XXXX XXXX but in XXXX of XXXX it was transferred to XXXX XXXX. 

My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX XXXX  and only authorized the one credit check which they said was approved. 

XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX The XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved. 

I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
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:
On XX/XX/20 this debt collection was placed on my credit report. I have not received any documents regarding this collection, no one as attempted to contact me regarding this account. I have no knowledge of this collection, Whats so ever. This fraudulent account is negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
I am writing because I recently viewed my credit report and noticed inaccurate information. Rushmore loan management is showing a late payment status over 120 days late. This information is in accurate. I have never been late with Rushmore loan management and This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with Rushmore therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Over 2 months ago Google Pay suspended my account for no reason under the email XXXX. I have contacted support dozens of times since then and provided them everything they asked for. I submitted my ID, I submitted my bank statements, and a physical picture of both of the debit cards on my account. Every time they reject the information and keep my account suspended. 

To top it off they are now trying to steal over {$700.00} from me. I am unable to withdraw my balance and when I contacted them about this they claim my money is being sent to " authorized state agencies ''. I have had my Google Pay account for over 2 years and never had a single issue but they are treating me like a terroist. This is very upsetting that they would suspend me for no reason then go on to steal my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got a notification from Paypal stating that a strange transaction was placed on my account XX/XX/2018 for a total of {$210.00}. I did not make a transaction on this date and I am not familiar with the recipient. I contacted Paypal and filed a dispute stating the transaction was not one I authorized. They mailed me back stating that the claim was closed and that this transaction was not found to be suspicious or unauthorized and stated that the transaction would be completed on XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-26
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: Information belongs to someone else

Complaint:
This private entity known as transunion is knowingly reporting fraudulent accounts in my report they are breaking federal Law. They have a police report along with a affidavit stating the fraudulent activities. The address in which the accounts are posting from does not exist so I know they are n't investigated these fraudulent accounts they need to remove them at once or I will put them in commerce by billing them XXXX a day until they remove fraudulent accounts not to mention I am prepared to seek litigation in which I am entitled to

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