BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX a lease with XXXX XXXX ( XXXX XXXX XXXX  ) was created with XXXX XXXX ( Primary Tenant ) and I ( XXXX XXXX ) was the Roommate. XXXX XXXX agreed, along with the property management of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX ) for apartement # XXXX. It discloses under # XXXX that " Releasing a m XXXX XXXX ( name of roomate who is moving ) from further liability or responsibility under the lease. This was signed by XXXX XXXX and by myself ( XXXX XXXX - before a notary in XXXX. I have not been at XXXX XXXX XXXX, XXXX, XXXX  XXXX since I moved in XX/XX/XXXX. Since then I moved away with reassurance from XXXX XXXX XXXX XXXX that I would be clear of all liability for this unit. I was sent to a collection agency " XXXX XXXX XXXX ( XXXX ) '' without any notification and no communication. I see that {$6300.00} is reported all 3 of my credit report falsely and unknowingly that impacted my credit scores causing punitive damages. My character was misrepresented and I was unable to get a place in Georgia causing to move out of state and I didn't even know why. My credit score went down XXXX points and it impacted my result of getting a house. I feel XXXX XXXX  and XXXX XXXX, along with XXXX XXXX XXXX should be penalized for violated the credit reporting act in so many way. Please follow up on this. My number is XXXX. This was really misleading to have me sign a roommate release and then turn around and bill me charges for a place I didn't live at. I had great credit and never had this happen to me before. 
XXXX XXXX XXXX sold my information to an unauthorized Collection Agency " XXXX XXXX XXXX '. It was illegal for them them to give my private information out to another consumer after I was already released from all liability in a legal signed agreement. I was also mislead by the consumer illegally. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Nelnet, 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: Account information incorrect

Complaint:
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - DEPTEDNELNET. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/17, XXXX/XXXX/17 to DEPTEDNELNET, did not hear back from them on both occasions. XXXX XXXX AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. Nel Net information is fraudulent and inaacruate and that they need to remove DEPTEDNELNET IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX XXXX, AND XXXX or DEPTEDNELNET. As of XXXX/XXXX/17, DEPTEDNELNET is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/2017 so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One Main Financial contacted my husband 's cell phone advising that they were trying to reach me for an important business matter. My husband, who when I signed my loan documents was only my boyfriend, is not associated with the loan or account at all. When I provided his phone number, it was under the pretense that he was a reference to validate the information I provided in order to obtain the loan. One Main Financial has called my cellphone 3 times a day, every day, leaving 1-2 voicemails a day to collect on a debt which is in direct violation of TCPA. They do not have permission to call my cell phone, or any known contact 's cell phone, to collect on a debt. They are falsely stating that they are calling my references in order to obtain a valid mailing address for me. I currently have my mail forwarded to my new house, so it is false that they do not have a valid address. They are in violation of FDCPA by calling me numerous times a day and leaving a voicemail each time. I have blocked their phone numbers ( four different ones ) and they now call blocking their number so that they can still get through to leave a voicemail. I would like to report them for their abusive tacticts, calling unauthorized parties about me, and for calling cell phone numbers without written consent. I verbally advised One Main Financial on XXXX XXXX, XXXX at XXXX that they do not have authorization to call mine or my husband 's cell phone and advised them of their regulatory violations. The woman raised her voice, spoke over me, and advised they will continue to call any number I provided including my references, regardless of the number being a cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filing this complaint because XXXX | Trans Union | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as 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 2022-09-07
Company: EQUIFAX, INC.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX and Equifax reporting the account status being closed but XXXX XXXX is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, Equifax is reporting it as XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't XXXX XXXX or XXXX reporting any payment history? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony Bank issues the PayPal MasterCard. They detected possible fraudulent activity and sent me a text to confirm if I made the purchase. I replied yes and they continued to decline my intended purchase. They locked my account ( XXXX ) after so I called on XXXX to resolve my issue. The bank told me my account was good to go and the issue was resolved. I tried purchases later in the week and realized my card wasn't working. I checked my account again on XX/XX/11 and saw my account was locked. I called again to resolve the issue and was told I had to submit videos of myself and my drivers license to resolve it. This was unnecessarily intrusive based on what I have needed to do with other credit cards. The application they made me use did not work well at all and could not verify my account. I must now wait 7-10 days for a mailed verification letter. This is an unnecessary process.

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 2017-09-04
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I notified target credit card that there were multiple same day purchases. 
The first person I spoke with, XXXX, was nice and went over items and removed all the items that we did not purchase. 
A fraud person at target credit cards put all the charges that XXXX had removed back on my card and added finance few and late fees and never notified me that she put the charges back on. Since then I have called XXXX only to get hung up on and told I had to have made these purchases and they refuse to do anything!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24
Company: U.S. BANCORP
State: CO
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 submitted a dispute regarding two 30 day late pays, XX/XX/XXXX and XX/XX/XXXX. Due to the pandemic, my XXXX  was unable to make it and we had to shut our XXXX down. I contacted US bank to let them know that I was going to be late on my payment. It was current and made current the following month. Per the Cares act, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as " OK '' not being past due.

I did not receive a response from them and my account is still reporting the late pay. They are in violation of this federal Law.

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 2022-09-07
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
When I signed up for credit karma it stated I could get approved for credit cards but all along I didnt get approved and it went on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We want to be included in the law suit against wells fargo, they foreclosed on our home illegally. Stating we owed XXXX on home. we never refinanced home, built the home for XXXX in XXXX. Payments unapplied, file bankrupsy to keep the home. They had our payments at XXXX per month plus XXXX bankrupsy payments. Nothing ever applied. We were told they put us in a jack leg loan. refused to lower our interest rate of 8 % an to help us with any modification. We want our name on the top of the list in law suit. I hope the Federal Government comes down on Wells Fargo hard and they have to repay people like us they scammed.

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 2017-06-21
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAS IN THE PROCESS OF CHECKING MY CREDIT SCORE ON XXXX XXXX XXXX AND REALIZED THERE WAS A DEBT OF {$65.00} I OWED TO A COMPANY CALLED FRANKLIN COLLECTION SERVICE collecting on behalf of XXXX THAT I NEVER WENT TO FOR XXXX XXXX I CALLED THE COMPANY XXXX AND WAS TOLD THAT THEY HAD NO RECORD OF DEBT, THEY GAVE ME A NUMBER TO CALL I CALLED THE NUMBER WAS TOLD I OWED THE MONEY THEN THEY TOLD ME IT CAME FROM AN OLD DOCTORS OFFICE ( XXXX XXXX XXXX IN XXXX NC ) THE CLINIC I HAD NOT BEEN TO IN YEARS SO I CALLED THEM I WAS ON THE PHONE WITH BILLING FOR WELL OVER AN HOUR AND THE BILLING REP ( XXXX ) COULD NOT GIVE ME ANSWERS FOR THE BILL THEN ON TOP OF THAT SHE TOLD ME I HAD SOME OLD BILL THAT WAS WRITTEN OFF AS BAD DEBT BUT I WAS NEVER AWARE OF THIS UNTIL NOW. I STILL HAVE NO ANSWERS TO WHY I HAVE A BILL OWED ON MY CREDIT FOR {$65.00} FROM A COLLECTION AGENCY THE LADY REP FROM FRANKLIN COLLECTION SERVICE JUST SAID TO ME AFTER I TOLD HER I AM UNAWARE OF A BILL AND THE COMPANY XXXX " ILL DOCUMENT IT IS THERE ANYTHING ELSE I CAN HELP YOU WITH " WHAT THAT MEANS I HAVE NO IDEA I AM NOT REALLY COMPLAINING ABOUT THE {$65.00} ALTHOUGH I AM NOT TRYING TO PAY ANY MONEY THAT I DO N'T OWE I AM COMPLAINING THE MOST THAT THEY HAVE PUT IT ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX -has violated my rights XXXX XXXX XXXX  acct # XXXX -has violated my rights XXXX XXXX XXXX acct # XXXX -has violated my rights XXXX XXXX  XXXX act # XXXX -has violated my rights 15 U.S.C.1681 section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2022 XXXX sent a letter to my lender that there is no account. I mailed that letter to Experian in an effort to have my credit file updated accurately. 
Experian did not remove the creditor from my credit file. 
Please remove creditor from my credit file.

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 2022-03-11
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: Account information incorrect

Complaint:
I previously submitted a Disbute and complaint from cfpb to XXXX and the response was updated/the accounts was removed but its NOT! Its currently still on my credit report and it shows 36 late payments from these accounts thats closed XXXX XXXX XXXX XXXX I got these loans are duplicates Ive consolidated all four loans to a new one. XXXX told me I have to get them removed from the credit reporting company. This is really affecting my credit and its stopping me from purchasing a home, financing a car, and earning credit cards. Its listed as late 9 times for each account altogether its 36 late payments which should be illegal plus Ive had these accounts for over 7 years thats past the statute of limitations in Michigan please please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
i have spoken to XXXX XXXX XXXX, several times and also Experian, the credit reporting agency who is reporting this inaccurate information on my credit reports. i have sent the XXXX XXXX. XXXX letter for which they have approve of removing this inaccuracy but experian is not cooperating. ( hence attached ) i need help to prove to them the delinquency on the XXXX XXXX XXXX XXXX, ( XXXX XXXX ) is incorrect and that needs to be update to Experian. i would greatly appreciate your prompt attention in this matter. thank 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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
i have wrong addresses in my report, i've never lived der. I've written the bureaus about a year now and they refuse to remove these addresses. i have a government job, and can't get promoted, if there is deception, or they fill i haven't been honest with them. I can't believe something so simple has cost me time money and effort, and still in my reports. I've written da governor, and lost what else i can do. I've never lived at XXXX XXXX XXXX, nor XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, ca. XXXX. Simple but has turned into a borad issues, where i live or do'nt live, who make de decicisions, a robot???

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 2022-03-11
Company: AES/PHEAA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am consolidating my direct loans with FedLoan Servicing and received incorrect information. The letter stated that once I consolidate I will need to restart my 120 payments needed to make towards my PSLF forgiveness. This is incorrect, as per the Department of Educations waiver period starting XX/XX/XXXX and ending XX/XX/XXXX. Please correct this information - all payments I have already made towards my loans should count, I do not need to restart my count after consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Regarding the complaint ID # XXXX filed yesterday XX/XX/XXXX and received the company 's response with attached documents on same day. 

The borrower reviewed the documents and wonder how they have those information because the name on document XXXX XXXX ' passed away in XX/XX/XXXX however this person 's name was filled on the application with the Federal Student Aid since XXXX when this person existed. I am wondering the documents were done by the PHEAA without the borrower 's consent. 

I have attached document of XXXX XXXX 's death

Company response to consumer: Closed with explanation