BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: LA
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:
Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2018-02-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Navy federal's customer service XXXX!!!! They stole my money 2 years ago when I disputed a credit card transaction for a purchase I NEVER made. Now my automatic transfers aren't being made either. I've complained REPEATEDLY on XXXX and XXXX but my complaints are REPEATEDLY IGNORED. This is completely unacceptable customer service and these idiots have no right being responsible for other people's money. They are nothing but scammers and thieves and despite being a member for over 20 years, they are still scamming me, stealing my money, and IGNORING me. XXXX   NFCU?????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 2023-09-19
Company: D.S. Erickson & Associates, PLLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I work until XXXX XXXX  and its hard for me to really talk to any one about any thing I get up about XXXX XXXX  but I'm not sure on or what to say to them I'm just getting bye with the coast of every thing and I'm behind on my rent so I'm about to lose my housing and be come Homeless again I'm seeking help in mental Issues from my past when I was Homeless and my EX husband has past away in XX/XX/XXXX  and my work is cutting hours I'm hoping that they will pick up I work in REATIL I use to do this XXXX XXXX but like I have said with the price of every thing I need Help thank you XXXX XXXX XXXX you can call me XXXX ) XXXX about XXXX I should be good to talk with I will try and be calm but I have no one to help me with much of any thing I just work work and work if I can but I only work for one company and I take money out on my XXXX loans as well so I, m doing what I can Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
I took a taxi from the airport in XXXX to the XXXX XXXX on XX/XX/2022. I was told the charge would be {$25.00}, but when I paid for the trip I was told that the credit card would not process so I paid cash but did not get a receipt. After I left the cab, I received a fraud alert from Bank of America regarding XXXX XXXX XXXX card, saying that two attempts had been made to charge {$5300.00} to my card. I cancelled the card immediately and filed a dispute. I have spoken to Bank of America at least ten times and written a detailed description of the events. Bank of America has reviewed the case but continues to deny my claim both through the dispute and the fraud process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2019 my wallet is stolen.The perpetrator tried to open two credit card accounts under my name XXXX XXXX, I had the two credit cards removed from my credit history with Experian. I notice on my credit history a bankruptcy on my account under the name and a middle initial ( XXXX XXXX XXXX ), I had Experian and XXXX investigate this matter. My name is ( XXXX XXXX ),  No middle Initial. I called the bankruptcy court and i was informed that The U.S. Bankruptcy Court, XXXX District of California does not report information to any credit reporting agency. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 c ( a ) 1, XXXX and Experian are refusing to remove and delete this bankruptcy.

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 2022-04-13
Company: EQUIFAX, INC.
State: AZ
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:
In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX XXXX The car, a XXXX XXXX XXXX, was financed with XXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. XXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. XXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found XXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted XXXX and was told the check from XXXX XXXX XXXX XXXX stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by XXXX on XX/XX/XXXX. XXXX XXXX provided me and XXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. 

XXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
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:
The customer is constantly falsely reporting my account as late or delinquent and everytime I dispute it they correct it but report it again negatively a month or two later ... this has been going on for the past year and a half and Im tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX  XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX  now.with no 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 2023-09-19
Company: Figure Technologies, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am currently in a divorce XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has repeatedly sent people to our home to " inspect '' property that is apparently theirs now, meaning my home. They've ceaselessly called all hours of the day and past XXXX XXXX and they've now begun leaving threatening papers at our home nearly every day. There must be a law that protects XXXX XXXX victims and their families from these types of interactions during an already stressful and dangerous period for us. These people can be the catalyst to causing me or my family harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not a joke and this is not okay. These people have been told repeatedly what is going on and still they do not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions 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:
I just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my Experian report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( Experian, XXXX, and XXXX  ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from  being marked as a collection account.

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 2019-06-15
Company: Regional Management Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX my main issue is insurances placed on loan and informed it is requirement to get the loan. Personal property insurance and life and XXXX. Also I noticed while at the office the lady when I paid my loan off went to the back room left the door open and threw my paid off file in a box with other closed paid off customers. My personal information as well as 100 's of others is not secured at all they are just sitting in boxes. I asked to use the bathroom and when I went back there where this box was there were dozens of boxes like this marked paid off with the month and year on them just sitting around. My credit app is in my file with my credit report. I asked why they dont secured them and the lady said this is how every Regional Finance office does it and there has never been a issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: AMERICAN EXPRESS COMPANY
State: VA
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 had open my account with American Express in XX/XX/XXXX when I seen the promotion that I would get 15 mos no interest. When my bill came in yesterday, I had interest on my bill. I called American Express today, XX/XX/XXXX, to see why and they said that my account had no promotion on it. I told her when I applied for the card that is was under this promotion of 15 mos no interest and I printed everything out where it did say I would get the zero interest for 16 mos. She said she was sorry and that my account was not eligible for the promotion. I replied to her and said " you cant make a promotion offer to someone and not honor it. Needless to say I am still paying the interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was admitted into a XXXX facility on XX/XX/2023 and prior to that all services were cancelled with XXXX. I noticed in XX/XX/2023 that XXXX was still withdrawing money from my account. I contacted Wells Fargo in XXXX and asked them to stop the automatic withdrawals there was no withdrawals in XXXX ; however, they started again in XXXX. I XXXX and have no access to a computer in this facility and wasn't aware of this until in or around XXXX when my sister accessed my bank statements.

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 2023-01-08
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have Private student loans through Navient which currently sit at a loan balance of {$66000.00} I am having several issues with this company. I have gone bankrupt twice. First time in XXXX and the second in XXXX. Both times I was told that my student loans could not be discharged without an adversary proceeding and proving undue hardship which I know to be almost impossible to do. I have a private consolidation loan that Navient has continued to collect on even though I went bankrupt. My dad is my cosigner on the loan who has also gone bankrupt in XXXX. I have continued to pay because I dont my dads credit report to be ruined. I have sent Navient my discharge papers and they wont respond. I have also requested all the information they have on the loan and they sent me the promissory note and the application which I had a lawyer look over and the lawyer said that it doesnt make any sense and that there is a lot of information missing. The lawyer called Navient with me on the line and requested that they send more info so we can figure out the origination of the loan. We spoke to a supervisor who seem very helpful and said that he assured me that he said a very large Manila envelope and I should be receiving it in the mail within the week. About a month has passed and I havent received anything and when I ask they are clueless. I am also a full class member of the Sweet v. Cardona lawsuit and my federal student loans are in the process of getting discharged. The school that I went to are XXXX XXXX  and XXXX XXXX XXXX both of which are on the list of schools in the lawsuit. I have seen an article the CFPB has written about heightening its scrutiny against private student loan servicer on people who have gone bankrupt. I need help in figuring this all out. I am not sure if I am allowed to attach bankruptcy discharge papers which person info on it but will send upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: AZ
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:
Reached out to Experian to remove a 60 day late fee charge that was incorrect. Spoke to the company XXXX XXXX and they agree that 60 day late report should be removed and all late fees but 5 late payments. Experian refuse to change or update report with documents that was provided

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 2020-07-26
Company: Experian Information Solutions 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:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-02-07
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After receiving an derogatory alert on my consumer report, unfortunately, I discovered 30 day late on this account. Not only was I never late on this account, but I never received any notice that you were going to insert negative data on my credit report, as you are required by the FCRA Negative Information ( A ) Notice to Consumer Required & ( B ) Time of Notice

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