BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX {$6500.00} & XXXX XXXX {$750.00} There are no valid claims, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: REGIONS FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
they have tagged on 36 months worth of late charges due to their late fee structuring, and that's not even what I'm complaining about ENERBank have switched their payment portal 3 times since I've started with them. the only thing I'm trying to do is make my payments I don't want to get marked a negative report They have already put a bad remark on my credit before. when I try to call them for support I usually wait on the phone anywhere from 20 to 45 minutes before I talk to somebody that does not know anything about my case if i'm lucky. I have attached screenshots of ENER Banks payment portal failing to let me sign in... again... I have been on the phone with support and they said they were going to address the issue but they never did.

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 2022-03-03
Company: Upgrade, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an upgrade cash reward credit card on XX/XX/2021, because I was offered a {$400.00} promotion if I did three transactions with the card. However, after the first billing cycle, when I did not receive the bonus, I contacted them. The representative assured me it would be credited to me after two billing cycles. After two billing cycles, when I did not receive the amount, I again contacted them and spoke with 4 representatives. The first person said I would receive it in three billing cycles. Then he emailed and said I needed to spend {$500.00} within a year to receive the promotion. I contacted them again and asked them about the new requirement of {$500.00}, but they could not answer and transfer to another person. In every conversation, they gave me different explanations. I requested them to send me a copy of their original promotion offer so that I can verify. Everyone promised during the call, but none of them provided me with the original promotion offer. Instead, they have sent emails with their own explanations. 
In summary, I feel that this upgrade cash reward is a false advertisement or they are tricking people like me in different ways. Furthermore, it is disgusting that my credit history was affected by their hard inquiry for this false promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
COMENITY IS NOW REPORTING MY XXXX ACCOUNT WITH NO STATUS AND IT IS BEING OBSERVED AS A NEGATIVE ITEM ON MY CREDIT. THIS ACCOUNT IS OPEN AND CURRENT WITH MONTHS/YEARS OF A EXCELLENT TRADE LINE. ALL OTHER ISSUES REPORTED WITH THIS BANK ARE STILL NOT ADDRESSED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX I wanted a better career and saw a XXXX XXXX ( XXXX  XXXX institution ) advertisement for Diagnostic imaging. I decided to call the XXXX, PA location to obtain more information about the program. I was told to come in speak with an advisor. they would call me multiple times to get my to come in. finally I went, spoke with a recruiter about their XXXX  XXXX  program as It showed I could make over {$40000.00} a year. At the time I was a mother of 3 and needed change. XXXX XXXX immediately pressured me into enrolling stating they have a XXXX XXXX class starting soon. I was confused because thats not the program I wanted. they told me I had to have XXXX XXXX  experience to attend the XXXX XXXX program if not I need to do the medical assistant first then I will be ale to attend the Cardiovascular sonography program, which wasn't even accredited. I was excited for my future as they induce me to enroll. XXXX made numerous false representations regarding the schools ability to place graduates in jobs, the salary I would earn in such jobs, the support it would provide me in securing post-graduate employment, and the transferability of its credits to other programs. It was all false! after graduating in XX/XX/XXXXI was stuck with a heavy XXXX XXXX, could find employement and couldn't use my credits for nothing. this program was a waste of my time and money. As of today I continue to have this burden of a loan in the amount of XXXX attached to me for a diploma that was useless by deception. Now this school has closed and has misrepresented a lot of student and we are left with debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
USAA SAVIINS ACCOUNT # XXXX APPEARS ON ALL MY CREDIT REPORTS, I CONTACTED USAA AND REPRESENTATIVE STATED ON XXXX that she has nothing on file for me, nor my social security. I stated to USAA REPRESENTATIVE, Why is the company reporting a charge off every month for 59 months REPORTING ME AS Delinquent and I have no knowledge of this personal loan from XXXX? ALSO I never received a bill for {$100.00}, if i paid XXXX percent of this bill, i would never leave {$100.00} owing anyone. I ASKED THE REP FOR A BILL TO PAY {$100.00} AND PLEASE REMOVE THAT CHARGE OFF ON XXXX, XXXX, XXXX. TheREPRESENTATIVE Stated ITS NO BILL TO GIVE ME.. charge off for same bill for 5 years now, I told the representative from USAA this is illegal that you are messing my credit status up with all three credit bureaus and i never recall this account. 
THE REPRESENTATIVE STATED TO ME, XXXX XXXX I DO NOT SEE YOU OWING USAA.BANK. CFPB PLEASE HELP ME AND USAA SAVINGS IS REPORTING INACCURATE INFORMATION AND DESTROYING MY LIFE, HOW ARE THEY ALLOWED TO CHARGE OFF THE SAME THING FROM XXXX TO XXXX? ILLEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just received notification that XXXX  XXXX made an inquiry on my credit report yesterday for a new credit card. They said the application was done online. I did not make this application and I do not know who may have made this application. The card is being sent to an address that I do not know neither is it listed as my address on 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 2019-10-31
Company: STATE EMPLOYEES CREDIT UNION
State: WY
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:
please update this account STATE EMPLOYEES C UXXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CRESCO CAPITAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I placed an offer on a house for an investment property in XX/XX/2022. We used Atlantic bay for a conventional loan. Our offer for the house was XXXX with the seller paying almost XXXX in closing. We pay over asking price so the seller we pay most of the closing cost. We got out Closing Disclosure and it had us paying $ XXXX. Before getting the closure document we called, emailed, and text asking what do we need to bring to closing? I even called the day before closing asking what that number was and XXXX XXXX said she was looking for it and would call me back and she did not. 

We get to closing thinking that the previous closure document was correct. We are then told that we have to pay almost {$4000.00} more than what we were told. I asked why and the lawyer said it was because Fannie Mae only lets the seller pay up to 2 %. This was never communicated to us. Otherwise, we would have renegotiated with the seller. We asked was there anything we can do to our title company ( XXXX XXXX ). And she said no, we all dropped the ball but sorry there is nothing you can do. We never received an updated Closing Disclosure document, and no one communicated with us that this number had changed. The lender found out about this change on XXXX. ( Even though this is standard ) We closed on the XX/XX/XXXX and no one still communicated with us. This cost about {$4000.00} that we did not plan on paying at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX to XX/XX/XXXX PNC Bank XXXX XXXX XXXX XX/XX/XXXX - Would not freeze account or even speak to me until they receive Probate documents. Documents have been sent 4 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with confirmation they received, then again to XXXX on XX/XX/XXXX to her email. XXXX ID, XXXX XXXX, Probate Documents, DL with account numbers. They confirmed they moved Mortgage to XXXX account but I have not received documentation or access. I still don't have access to checking, money market accounts and bills are 2 months overdue. Water was shut off, I had to pay out of my own pocket. Electric was going to be shut off XX/XX/XXXX, we paid that out of our own pocket. 
PNC Bank XXXX XXXX - NEVER ANSWER THE PHONE OR DISCONNECT YOU WHEN THEY ANSWER I live in XXXX, I am the executrix of the Estate and have all applicable documents. This bank is dragging their feet for a pittance of money. They do not return phone calls or emails. It appears they are anticipating us to just fold and let them have what small amount there is. This estate is one of our 22 years plus XXXX XXXX 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NM
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:
The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor XXXX XXXX, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 
In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. 
I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
According to my credit report, the above account was noted as an repo. How can XXXX XXXX, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on 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 2023-09-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
At XXXX XXXX  on XX/XX/XXXX I received an unsolicited email from Navient with subject " Change in Loan Terms '' telling me that the payment term for my loans has changed. 

When reviewing the new terms I can see that they have extended the term of my loan by 5 years and nearly doubled the mount of interest they are charging. 

The previous Loan Terms I have documented from XX/XX/XXXX state : Number of Payments : XXXX Payment Amount ( $ ) : XXXX Payoff Date : XX/XX/XXXX Estimated Total Interest Amount to be paid : {$1100.00} The one I just received today changes these terms to : Number of Payments : XXXX Payment Amount ( $ ) : XXXX Payoff Date : XXXX/XXXX Estimated Total Interest Amount to be paid : {$1800.00} This is completely unethical to change my payment terms without my request, especially when enrolled in Auto-pay. This is a 100 % money grab and only serves Navient to generate more interest income at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting 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 not authorized a credit inquiry nor have I solicited a credit card from your company. 
Please remove the hard inquiry from your records and update my information to all of the credit reporting agencies. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the XXXX XXXX XXXX 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 2022-12-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a call from Portfolio Revovery at least once or twice every day. I have repeatedly let them know the account does not belong to me and that I have even tried to dispute it and it still remains on my credit report. They are rude and continue to call and harass. I have blocked their number for over 2 years and every time they call again from multiple different phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report which I recently obtained, and I have noticed several negative items that I would like to dispute. Please find the details of the negative information below : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account. 

XXXXXXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

I believe that these negative items are inaccurate and have caused my credit score to be much lower than it should be. Therefore, I kindly request that you investigate these items and remove them from my credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: P&B Capital Group, 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 am not liable for this debt with XXXX XXXX. I do not have a contract with P & B Capital Group LLC. They did not provide me with the original contract as requested. I submitted a dispute of this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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 XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX 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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 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 a gainst 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 non-monetary relief