BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I believe that if a person closed their Secure credit card account they should not have to wait 2 months to get their security deposit back. This account from discover is now showing closed on my report and i want my money back now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: MI
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Sun loan company has closed my account in 2015 and continues to charge interest charges to my account and report to credit agencies. I have spoken to manager Mr. XXXX at Sun loan location XXXX at XXXX XXXX XXXX Texas without a concrete explanation as to continued charges for interest and late payments if account has been placed on collections. Manager was non English speaking and was very rude about dispute. I am being charged fraudulent fees and account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Iam making a final goodwill attempt to have you clear uo this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of 15usc1681, for not properly verified the accuracy of any of the provided accounts i have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, i can pursue litigation to enforce my rights under the FCRA.. i demand my right to be acknowledged to these company immediately. 

Sincerely 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 2023-05-15
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:
My house and car was broken into last year when i went on vacation, this person i believe has taken on my identity and opened credit cards and taken out loans as well. The police has a report if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The financial obligation levied against me was due to a emergency room visit to a XXXX XXXX XXXX XXXX, for an elevated XXXX XXXX, whereby no adequate treatment was provided. The debt is currently being disputed with the original creditor, in addition to an open investigation XXXX XXXX XXXX XXXX of Texas for possible violations, and an open Federal Trade Commission Consumer Complaint for unfair trade practices against XXXX XXXX XXXX. I have contacted AMCOL on two separate occasions, first on XX/XX/2019 and spoke to XXXX, and on XX/XX/2019, spoke to XXXX. On both occasions I was told the dispute was submitted and I would be informed of the results, and at no time I given any specific instructions regarding the dispute process into this matter - instead of being informed of the results or given any path to a resolution, they instead, placed the negative information on my credit file. I have been very proactive in trying to reach a resolution to this matter, only to be blindsided by the deception that has been projected by AMCOL in their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reviewed my credit profile and came across inaccurate information being reported.

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 2023-05-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. 
We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt ( {$9200.00} ) was from XX/XX/XXXX by XXXX, Debt was parked and resubmitted on XX/XX/XXXX, incorrectly put the age of the account from 3yrs to 1 yr, information on credit profile is incorrect and have disputed with the Credit Companies, they files as other however it is a auto, never sent me information about parking debt or that it is a valid debt to pay, no contact from NCB at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on a roughly {$7000.00} loan for approx. 6 years ( XX/XX/XXXX/XX/XX/XXXX ) Over HALF of my money has gone to only interest! My bill is still almost $ 5,000- after 6 YEARS!!! 
Not only that, XXXX XXXX XXXX has n't sent me paper bills or anything via mail in MULTIPLE years until just last month ( XX/XX/XXXX ) I find this extremely suspicious. The employees offer absolutely no support. They never requested ANY information updates regarding name change or email/address change. They have over 100 complaints online about accounts being mishandled and overcharged. I never received any actual information from this company regarding the loan when it originated.This is extremely unsettling. No way should half of the money be towards interest only. How is anyone supposed to get ahead in life with rotten set ups such as this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I purchased XXXX money orders to reconcile a petty cash. The company deposited the XXXX money orders with XXXX XXXX XXXX, one of the money orders was returned. I contacted Western Union where I purchased the money orders, they informed me that I had to submit a money order research request. I have been dealing with this since XXXX, getting the run around, asking to speak to supervisors and being sent to dead end numbers that dont answer, continually being put off. They are frauds and scammers, meanwhile they still have my XXXX $ cash and I Have a unsettled debt with a worthless piece of paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My husband informed me that XXXX XXXX - XXXX verbally denied his application for rental with their property management company because of the reporting of an adverse account on my credit report. I never received any written notification of this decision ; but subsequently requested a copy of my credit report to investigate this issue. 

I never took any action to apply for rental from this company, nor did I at any time give verbal nor written consent to this entity to perform a credit history inquiry on me using my social security number. 

Further, I made an in person visit to the XXXX XXXX rental office and requested a copy of the application that my husband filled out. I was advised by both XXXX XXXX and XXXX XXXX/XXXX XXXX that they have no such application on file under my social security number or name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: NJ
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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  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 explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: IL
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:
CRA is in direct violation of several consumer protection laws.

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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I use XXXX to monitor my credit scores ; they reflect Transunion and XXXX. 
The information between these two Credit Bureaus is widely different. Even when they are reporting on the exact same accounts. 
I have filed disputes with both bureaus regarding two different " collection '' accounts. XXXX XXXX XXXX and XXXX XXXX are the supposed accounts that I owe money to. The disputes I filed have only been addressed to the Collection agencies, who have nothing to lose by claiming these accounts are delinquent. However, I am actively a customer of both XXXX XXXX XXXX and XXXX XXXX, so if the Credit Bureaus were to contact THEM, they would know I am not behind in any payments to these corporations. 
So transunion dropped on of these accounts, while XXXX  maintains I owe these funds. 
I received an email from XXXX XXXX that states my credit score went up 57 points! However, when I review my credit through them, no such increase is visible. And how can these agencies report such inconsistencies between the same lender, XXXX, Student Loans? Nothing has changed since I started paying them and yet they show different payment amounts and/or different balance decreases. 
How are we supposed to know what is accurate and how can we hold these reporting agencies accountable for what they report?? It is like " little man '' kept down by THE MAN ... .it is ridiculous that these bureaus can dictate who can get a car, buy a house or not!! What can an individual consumer do to fight these inaccuracies? Seriously? 
My little letter to you, will it really make any difference that I am trying to understand how our information is gathered, collected, reported and monitored? I know I am not the only consumer to have such issues and I respectfully request some insight, if not interference with these credit agencies. Do they have all of your information correct?

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 2021-03-03
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/21 XXXX {$790.00} was deposited into my cash app from XXXX ( XXXX XXXX on XX/XX/21 XXXX {$700.00} was tooken by XXXX ( I did not make transaction ) on XX/XX/21 XXXX {$94.00} ( the remainder ) was tooken by XXXX ( I did not make transaction ) my cashtag $ is $ XXXX An unidentified/unauthorized email was connected to my profile ( XXXX XXXX An unidentified/unauthorized number was connected to my profile ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I did not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2021 I was challenging factual errors with proof. 
those agency was XXXX  XXXX XXXX after a few weeks they updated the accounts without putting the noted of dispute then I wrote some letters again in XX/XX/2021 and the result was that they did not accept the errors and I just said they wouldn't erase it This are the account im disputing in credit report Citi bank account # XXXX XXXX XXXX XXXX # XXXX This accounts has many error i send them proof and they didnt want to acepted & after that the fail to the notice of dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: NJ
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 notified Experian numerous time about unauthorized inquiries reporting on my credit report and they are still showing UNAUTHORIZED/FRAUDULENT INQUIRIES XXXX  XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020XX/XX/2020

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 2019-11-11
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have pleaded with this company on many occasions of the amount they want a month. I can not afford to pay what they want and stated that to them. They state that is the least amount they will take. I do pay at least {$75.00} a month. This is about to go into default now. The company is Firstmark services. When XXXX XXXX XXXX had this account we never had a issue then they sold this to Firstmark and it has been a mess ever since. There should be recorded calls of me asking them to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: Upstart 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: Account status incorrect

Complaint:
There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX ) XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

XXXX XXXX has reported to the credit bureau that I am XXXX months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, XXXX XXXX XXXX should have and could have withdrawn automatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation