BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Acct is past statue of limitations - debt was canceled with XXXX XXXX - reporting same debt twice on my credit report - only had one loan out with this credit did a refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
information is being furnished on my consumer reports without me knowing and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: MA
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:
Hi XXXX, XXXX, Experian, & CFPB ; I'm a little surprised and shocked that both XXXX  XXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.

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 2018-01-30
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt with XXXX XXXX Was paid off XX/XX/ payment was XXXX. 

Still shows up on my credit report after being told it would be taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/2016, I made a car payment via Ally Financial 's website. The payment was to pay my XX/XX/XXXX car note. Though the payment was late, it was NOT 30 days late. The payment was made via the website to assure I would not go over 30 days. Eventhough, I paid the payment via the company 's online website on XX/XX/2016, the payment was due on the XX/XX/2016. Apparently, because XX/XX/2016 was a holiday, Ally did not give me credit for the payment until XX/XX/2016, which is date my bank account was debited, not the day I actually paid the payment. Because of this, my payment was flagged as a late 30 day payment and late fees were assessed. Ally credited my account the day the money was debited, instead of the day the payment was actually made on their 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 monetary relief
Consumer complaint received 2022-06-13
Company: Goal Structured Solutions, LLC
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I got a loan in the amount of {$1800.00} in XXXX of last year for XXXX to go with XXXX. I ended up not completing the course and stopped attending classes in the end of XXXX early XXXX of last year. I've been having trouble repaying the loan due to unemployment. I have reached out to the company and they will only accept full payment or really high monthly payments. I would like a decreased amount to pay off the loan if that's possible or deferment. It's affecting my credit score horribly. It is now XXXX of 2022 and I would like to get this resolved in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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  account XXXX XXXX XXXX account number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

16 U.S.C 1681 section 604 A section 2 : 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 2021-02-03
Company: Convergent Resources, Inc.
State: MO
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:
Got a notification from XXXX XXXX about a collection added on my credit report. It doesn't belong to me. Spoke with someone at XXXX XXXX stating this person that is using my credit report to open an account under me. They were able to locate the person mailing address. I have never been to XXXX XXXX ever in my life. I've lived in XXXX since XXXX never left. Come to find out 5 people lives in that household between the ages of XXXX - XXXX years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: MI
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:
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 am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from 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 take action due to the stress you caused me. My information was also 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 2022-06-13
Company: EdFinancial Services
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

EDFINANCIAL XXXX Balance {$0.00} EDFINANCIAL XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22
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: Account status incorrect

Complaint:
I signed up for XXXX cable and internet services in XXXX 2016. I called and cancelled before they could come and install anything because I found a better deal at XXXX. I check my credit report and XXXX sent me to collections for installment equipment they supposedly sent to my house which I never received. I called them. They told me to file a claim with XXXX which I did. Claim was issued and approved. XXXX still wo n't take their hit off my credit report

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 2017-07-22
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
Early Warning : I am writing today to express my frustrations in trying to remove unrecognized and likely fraudulent information on my consumer file. I have been a victim of identity theft after my information was exposed in a databreach and have previously requested my consumer file and disputed information with Early Warning but have not received a response to my requests. Specifically, California and Federal law requires Early Warning to provide me with the records, documents, and actions that Early Warning relied upon in making a decision in response to a dispute. However, Early Warning has not provided me with the requested documents and has not acknowledge my letters requesting more information or another copy of my consumer file. Specifically, for the purpose of this CFPB complaint, I am formally demanding that Early Warning provide me with all the records, documents, and actions relied upon to make a determination in case numbers XXXX and XXXX. Furthermore, please provide me with a complete and up to date copy of my consumer file and an explanation as to why my previous requests for these documents have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted several investigations to remove fraudulent accounts from my Equifax credit report. XXXX and XXXX has removed these fraudulent accounts that do not belong to me. I have also submitted a police report identifying that I was a victim of identity theft. The following accounts are fraudulent and they do not belong to me : -XXXX XXXX XXXX of XXXX XXXX XXXX -XXXX XXXX A XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CITIBANK, N.A.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Citibank XXXX Checking account on XX/XX/22. Since then I have connected my direct deposit to the account, and have used the account to pay various bills and make any transfers needed for an upcoming move. As far as I am aware, I have not violated any terms of service with Citibank. Today I received an email stating that my account will be automatically closed within 60 days due to violated terms, however the violation itself was not stated. My account is now locked, and I have zero access to my funds. I have spoken with multiple reps across different teams and no one will tell me anything. As expected, I am rightfully XXXX, and need my account reopened expeditiously. Please assist, if 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 non-monetary relief
Consumer complaint received 2017-07-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was offered a Credit Card with no interest until XXXX of 2017. I was charged interest starting in XXXX of 2017. When I realized in XXXX that they were now charging me interest, I immediately paid off the card and asked for them to remove the interest charges. I 'm XXXX years old, an invalid, and my sole source of income is from Social Security. I got their card because there was no interest until XXXX of 2017.  Now they wo n't cooperate and remove the bogus interest charges. I closed the account and I plan on paying NOTHING more to Citibank. I 'm in contact with the Area On Aging 's lawyer and I am NOT paying those BOGUS interest charges.

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 monetary relief
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: U.S. BANCORP
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
US Bank has not assisted me with an invalid charge on my credit card. 
I initiated an online order with XXXX XXXX on XXXX. XXXX XXXX never delivered the furniture to me as promised. On XX/XX/XXXX I was told the furniture was on back order by one customer service representative but later receivednumeroustext that my order was on it's way on different dates by XXXX XXXX. 
*On XXXX XXXX I receivedan email from " XXXX XXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 30 minutes away. 2 hours later I receiveda text from XXXX XXXX that stated my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receivedan email from XXXX XXXX that stated the order I placed would be delivered. 
*On XXXX XXXX I receivedan email from " XXXX XXXX Delivery '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 20 minutes away. No one showed up in 30 minutes. Two guys showed up hours later with damaged furniture that I refused delivery on. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XXXX XXXX.The last text that I receivedfrom XXXX XXXX was on XXXX first stating that my delivery was 15 minutes away. No one ever showed up. 
Throughout all of this I never spoke with a customer service rep again after XXXX as I was no longer interested in doing business with XXXX XXXX. I contacted US Bank in XXXX to dispute the {$960.00} total that XXXX XXXX had placed on my account. XXXX XXXX then dropped {$400.00} some odd dollars from the pending charge and charged the difference to my credit card. Later I noticed the {$400.00} dollar show back up. 
I have attempted to resolve this issue with US Bank but US Bank ( my credit card company ) says that I have received goods from XXXX XXXX via mail communication. My credit card company did not provide me with any proof of delivery. I never received anything on this order from 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 monetary relief