BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: N.A.R., Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX and XXXX XXXX has advised that i owe a debt to XXXX XXXX  - The Initial Phone Call the agent was extremely rude, condescending and extremely difficult to communicate with has she repeatedly cut me off and over talked me. 

This debt was a result of an ex boyfriend stealing my credit card and using it, i did not know about the debt - once i was made aware i paid it in full in XX/XX/2018. 

I contacted XXXX XXXX and they transferred me to the XXXX XXXX - XXXX XXXX to pay the account in full. I did so, i have a paid in full letter. 

I contacted XXXX to verify how long it would take for my credit bureaus to update as paid and they transferred me to NAR - NAR stated the debt was still owed and thats ' when the agent refused to let me speak. 

I advised XXXX XXXX on the call, i paid the debt in full - she advised me to email a copy of the letter. 

I emailed the letter twice and received an additional inquiry in regards to the debt XX/XX/2018 stating it was still due. I have reached out to NAR now 4 times advising i have paid this debt and there is a disconnect in communication - where they are not understanding or updating this information. 

At this point i do not know what else to do, besides get an attorney involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Navient Solutions, LLC.
State: IN
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 have contacted Navient numerous times. I went to XXXX XXXX XXXX XXXX XXXX Indiana. I graduated in XX/XX/2007. My interest rate is now 15.5 %. I filed bankruptcy on this loan. They stopped pursuing collections for over 2 years then came back with capitalized interest from during the bankruptcy process. I have paid over $ XXXX for a loan that started out as $ XXXX. This debt was discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
XX/XX/2019 I have been a customer of USAA for over 11 years with a perfectly clean credit record and no insurance claims. On XX/XX/XXXX and again on XX/XX/2019 my home was broken into and my credit card stolen. Around midnight on both those days, the card was fraudulently used by the thief at a XXXX XXXX located nearby in the amounts of $ XXXX XXXX a total of 3 such charges for gift cards and another of $ XXXX for bicycle parts ). When I discovered and reported the theft to USAA on those 2 occasions they reissued a new card indicating that they would remove the charge from my account while investigating the fraud. In the meantime we received a fraud report from the local police department together with a still image of the theft using the card at the exact time stamp on our statement. We uploaded those documents as requested to USAA. Soon after the fraudulent amounts were reinstated on my account and when I called the customer service department was told that my claim had been denied. I was also told that they could not see the police report and that they would resubmit the claim. During these 7 months I have spent over 20 hours on the phone with USAA to try and talk to their fraud department and understand why their zero customer liability on unauthorized use of a credit card does not apply to me. The company puts a firewall around its fraud department and makes it impossible for customers to talk to members of their team. Moreover, promises to respond to my telephone inquiries by email are not kept and I am sent into a circle of unresponsive resolution. I am asking for the CFPB to help me understand what additional information USAA needs from me to fulfill the obligation of their terms and conditions regarding zero liability and perhaps use your leverage to stop this abuse of the veterans who are its bread and butter customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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:
I explained to the Equifax customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name. I called after they received my dispute and was told due to the dates not being present they would not delete this fraud information. I am sending this back with the correct dates to have this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion has failed to remove the XXXX XXXX XXXX XXXX from my credit report when I have notified them that this company has failed to verify this account and provide the requested XXXX form along with other documentation. Please send how you were able to verify this account or remove this from my credit report. You are the only credit bureau reporting this inaccurate information and I am liable for monetary damages if you can not provide how you are reporting this information as accurate when the company could not verify the account. Please see the attached letter that was mailed to the company over a month ago which is dated and time stamped.

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 2021-07-18
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My child was seen at a hospital XXXX  XXXX XXXX XXXX in XXXX he was seen numerous times before. My son had insurance XXXX and I have proof that he was insured. The hospital did not bill his insurance even after I called with information when they tried to bill me privately. Instead they sold my information to bill collectors and did not resolve. I have disputed multiple companies that are trying to collect this charge and now I have two companies on my report for the same thing. This should have been dropped from my report. I should have filed a grievance thru my insurance and maybe they would have been forced to bill my sons insurance and therefore I wouldnt be dealing with harassment from AARGON agency XXXX XXXX  XXXX. XXXX XXXX OPENED TWO COLLECTIONS AGAINST 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 explanation
Consumer complaint received 2018-04-30
Company: GREAT LAKES
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an open student loan reported on my credit report that I never took out. When I contacted the companies both XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) they said there is no loan connected to my name or my social security number but they can't go in to change this and that I needed to go to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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've informed trans-union to remove these negative items from my report that I didn't authorize them to place on my reports. They never removed them

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 2023-04-13
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
At XXXX on XX/XX/2023, I took a walk in the XXXX XXXX XXXX where XXXX high-school aged boys approached to me for XXXX survivors donation to their sports team. They first asked me if I can donate one dollar to their XXXX account and I tried but failed. They then asked if I can donate through Zelle and I said Yes. One boy asked if he can search the phone number on my Zelle and I allowed him only to search the phone number. In the meanwhile, the other boy distracted my attention by kept introducing their program. I did not authorize them to transfer the money and the boy who held my phone told me he has searched the phone number out and I said let me take a look. When I looked at my phone for the receipients number, these two boys ran away and they stole XXXX from my account without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have attached a letter to confirm the reason of my complaint along with my identification.

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 2020-12-17
Company: BARCLAYS BANK DELAWARE
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: Problem with personal statement of dispute

Complaint:
I entered into a DMP with XXXX XXXX  in XX/XX/2020. I lost my job in XXXX due to covid, and was unemployed for several months. The only way to get out of this mess is to go to a 3rd party to get a lesser internet rate to paid down my credit cards. It doesnt make sense the consumer has to pay another company, so they can get a lower rate for their credit cards does it? I had to live on them during my unemployment period. Now Barclays XXXX last 4 numbers reported me late without notifying me. I got reported late for under XXXX dollars. I paid XXXX XXXX which then turns around and pays Barclays. In exchange I can get a lower internet rate and payment amount. From my understanding once you enter this agreement with XXXX it doesnt matter what day the payment is received during the month. I pay them twice a month and they then pay my cards. In XXXX after Barclays excepted my agreement from XXXX they didnt change my payment amount and in turn reported my late to the credit bureau.They never sent me a letter. I have asked for them to procedure a copy and they cant. They cant even tell me when I was contacted on the phone but they still report me late to my credit report. I want this removed from my credit card. Can you please help me. I am a single parent trying to pay them back and this is just double standard for the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Account status incorrect

Complaint:
Department of Education/XXXX  is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. Equifax and XXXX  are still reporting 13 accounts as of XX/XX/XXXX. XXXX has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : FORD MOTOR CREDIT COMP XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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:
All 3 credit bureaus are in violation of reporting inaccurate information on my credit before i file a lawsuit i am requesting removal of this item that do not belong to me and i have a letter from the creditor stating i do not have a account with them. Company is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and provide me with the documents with the original signatures proving I opened the accounts.

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 2023-03-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I previously received a personal loan ( interest-bearing loan ) in the amount of {$10000.00} with an interest in a total of {$13000.00} estimated. For the first three months of the loan, I made monthly payments of {$420.00} and on the fourth month, I paid {$3000.00} towards the principal. I was told that the next payment was due five months later. I started up my monthly payments of {$420.00} with my balance being {$10000.00}. For the last year, I have made monthly payments of {$420.00} and there has been no change in my balance. I spoke with several representatives and was advised it is an interest-bearing loan which only means interest is applied to the loan, but I don't understand why a total of {$5000.00} haven't been applied. Not even a {$1.00} has dropped off when a year of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. XXXX will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. XXXX is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including Transunion and XXXX in this, these need to be removed as well from my credit file thanks for your help

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Personal information Name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX, TXXXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX  correct information above not correct : XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX, TXXXXX Unknown payment history {$44.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement now equifax : same

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 2017-08-08
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CPFB, Please reference : Complaint # XXXX ( Submitted XX/XX/XXXX ; Closed, XX/XX/XXXX ) SIMPLE Bank offered {$100.00} compensation in closed complaint on XX/XX/XXXX, but no compensation has been received by XX/XX/XXXX. I feel that 30 Days after complaint was closed was sufficient time to send the {$100.00} compensation that was promised. However, in the closed complaint, they did not specify a date as to when they would send the {$100.00} compensation. From SIMPLE in the closed compliant : To acknowledge the issues that you faced and to show our appreciation to you for the time you were a customer with Simple, Compass will be sending you a gift card in the amount of {$100.00} to the address that was listed on your account.

Company response to consumer: Closed with explanation