BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: OPORTUN FINANCIAL CORPORATION
State: FL
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:
OPORTUN/PROGRESO FINAN has reported an inquiry on my credit report that I do not recognize. I reached out to the company by phone to remove this inquiry. However, the company has not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MA
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:
XXXX has now reported to XXXX and Equifax fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX loans have all been paid in full and closed over 45 days ago and it still reports as open on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The. Charges occurred last year and from XXXX - XXXX I contacted the company and Bank of America i even wrote them about the fraudulent transactions and sent a fax but no one has responded or contacted me back about any of it. I had over {$3000.00} in charges that were not mine and nothing has been done and when I call in they say it is too late to dispute the But I tell them Ive been trying since I first seen the transactions but they just issued a new card and said that the disputes would take a while to go back to my account but it never did? Please let me know if this can be corrected please

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 2022-09-28
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the GM business card through Marcus and I received an email saying my application was declined as they were unable to verify identification information. When I reached out to them they did not disclose what information they were unable to identify, they did not ask me to send in additional information or what source or bureau they used. I have an existing account with Goldman Sachs since XX/XX/2021 and my information has not changed. If there was indeed an issue verifying my identity I am owed an exploration of the data used to access my information and I should be given an opportunity to see that data and file a dispute with the data provider. I was given no such information which I believe is in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been in good standing with my student loans since I graduated with my XXXX in 2001. I have been paying student loans with interest for over 20 years. I had XXXX and XXXX loans. 

Since the Income Based Repayment plans were announced, Ive been on that plan and its saved me because I dont make much money ( Im presently a XXXX XXXX XXXX ). 

However, since Biden has announced relief and this PSLF waiver which I completed, my service provider - American Education Services- recently stated to send me emails which report I wont qualify for earned loan forgiveness due to my loan status unless I consolidate my loans further m. But, if I do that, my provider tells me I wont be allowed to stay on the Income Based repayment and my payments shoot up to more than my mortgage. 

I also already DID consolidate my loans through my service provider American Education Services and presently only have one monthly payment. 

American Education Services did not provide information about the student loan relief until recently, it didnt say why my loans were excluded from COVID relief until recently and now it tells me I have to get off my IBR plan before XX/XX/XXXX or I wont receive loan forgiveness. 

Despite my working at non-profits my whole life and paying my loans for over 20 years and yet now owing XXXX of XXXX more than I did before, it seems there is no way Ill ever pay these loans off. I should have been an investment banker, I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I tried to rent an apartment and I was rejected because the report says that I am a XXXX XXXXXXXX. Somehow in Colorado. But I am not a XXXX XXXXXXXX. I have been in trouble for XXXX XXXX  but that is all. Why is Experian telling my potential thati am a XXXX XXXX. And putting this on my credit report? I am going to sue. Whoever had a hand in this false information. They told to his to the XXXXXXXX XXXX XXXX XXXX  : my potential landlords. I want to know who put up the false information about me.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX & XXXX, Account # XXXX XXXX & XXXX XXXX, Account # 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 2022-08-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On Saturday XX/XX/2022 Credit Acceptance Corp contacted me via email and via website at XXXX in attempt to collect a debt. That is a violation under 15 USC 1692 c ( a ) ( 1 ) and 15 USC 1692d and is a fine of {$1000.00}. I have screenshots from Saturday XX/XX/2022 at XXXX of the time the notifications via email and the message sent via website.

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 2022-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2022, I took USAA Federal Savings bank to court because I was mislead by one of their travel agents. The price I actually paid did not match the price quoted on the phone. 

I won the case. I was awarded {$740.00} in debt and court fees plus 6 % per year in interest from XX/XX/2022. 

USAA has not paid their debt to me. They had 15 days to appeal in court, and they did not appeal. No phone contact between myself and the company has happened. 

XXXX XXXX XXXX XXXX, XXXX, VA Case number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had got side track cause of the inflation had went up and damaged my finance by the government and trying to get back on track to bring my account current as possible and i explain it to the company they put me on a payment arrangement and it work but the inflation still hurting my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX, I have an Auto Loan with Truist which was originally Suntrust. 

On XX/XX/2022 a Wire Transfer in the amount of {$110000.00} in connection with me selling the vehicle was successfully Wired to Truist, they have validated that the {$110000.00} wire transfer is sitting on their General Ledger in their Wiring Department. However as of XX/XX/2022, they are still holding the money and refuse to apply to my loan to pay off my loan balance and Truist is so incompetent that I can't even get someone to call me back. I have raised an Executive CEO Complaint to Truist, and they still haven't responded to that. 

Please help me resolve this, I have spend hours upon hours on the phone with Truist trying to resolve this to no avail. I am losing sleep, I have severe anxiety from it and am needing to resolve this and get the loan paid off ... .. they have {$110000.00} confirmed and cleared that they are illegally holding on 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
Consumer complaint received 2022-09-28
Company: U.S. BANCORP
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:
My credit reports are showing a " 30 day '' late payment in XX/XX/2022 from Elan Financial Services. The payment in question was due on XX/XX/2022 and paid on XX/XX/2022. 

This payment was 17 days late, not 30 days late. This derogatory record needs to be removed from my reports, as it cost me XXXX points on my XXXX  score. 

On XX/XX/2022 I submitted a dispute through XXXX and XXXX. Elan verified to both of XXXX and XXXX that the " 30 day '' late payment was correctly reported. It is not correctly reported. Elan has, in violation of the FCRA, verified false information to the CRAs.

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 2022-09-28
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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: Their investigation did not fix an error on your report

Complaint:
I have made a dispute with XXXX Credit Bureau and Trans Union, with regards to removing a collection agency named, XXXX XXXX XXXX The account they are trying to collect a debt with is closed and XXXX. XXXX XXXXXXXX does not have a license to collect a debt in the state of New Jersey. 

This collection agency has a license to collect a debt in 13 states and NJ is not one of them. This is against The Debt collection law guidelines in NJ. 

I have recently submitted another request to remove this debt with XXXX and Trans Union once again. I would like this collection account removed from my report, please.

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 2023-03-10
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have call this company many times most recently in XX/XX/2023 and XX/XX/2023. I let this company LVNV funding know again this is not my account. I have never had a XXXX XXXXXXXX credit card. I have asked for the original wet signature, copies of the bill and bill history on who paid the account. That way we can see who's checking account this was paid from. Ive never paid it because its fraud. They also said the account was only open for XXXX  months. Hello then that should tell you this was fraud. Check my credit I only have XXXX credit cards and they have been open for over XXXX  years. LVNV is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: LoanCare, LLC
State: MA
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:
During covid pandemic, I was in forbearance plan and on my credit report show XXXX late payments?? Could you please remove late payments for me please.

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 2022-12-10
Company: EQUIFAX, INC.
State: RI
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: Investigation took more than 30 days

Complaint:
THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIESXXXX XXXX XXXX  Account XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX  Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never notified about this debt prior to it being placed on my credit report the first or second time. I reached out to the company in late XXXX of this year asking them to validate the account. The account was removed in XXXX however it has been added back without notice and with a higher balance than before which is illegal and a violation to my rights as a consumer. I would like for this account to be removed from my report and I would like a statement from the company acknowledging the removal. I was not aware of this debt prior to the original placement I've given this company for over 60 days and still no proof of the account. I am providing proof of the inaccuracy in reporting amongst the three credit bureaus, the difference in the balances currently, as well as the letter sent to Hunter Warfield

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent a letter off XXXX XXXX, XXXX, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS :  Transunion : XXXX XXXX : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Employers : 1 ) XXXX EMP 2 ) 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 2022-09-28
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: IN
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 XXXX erroneously reporting available credit as recurring balance to credit agencies ( XXXX, XXXX, Experian ) which has decreased my credit score

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 2022-08-01
Company: Capio Partners, LLC
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:
I have tried to dispute this account multiple times. This is not my account. In accordance with the Fair Credit Reporting act ASSETCARE LLC has violated my rights. This account was opened XX/XX/2021 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 instructions I have never received a validation letter. Could you please investigate this account properly?

Company response to consumer: Closed with non-monetary relief