BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
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: Was not notified of investigation status or results

Complaint:
To a supervisor that can help me, I am reaching out to you because I have submitted requests to these companies to remove inaccurate accounts from my reports and they have not responded to me. My letters were sent on XX/XX/2021 and I feel as if my situation has been ignored. After not receiving any correspondence back within 30 days I conducted my own research into the Fair Credit Reporting Act and found that Federal law requires companies involved with discrepancies of credit reports must respond within thirty ( 30 ) days ; at this point it has been almost 60 days ( 57 to be exact ). More specifically, Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please delete immediately delete these invalidated accounts from my report. This has caused me significant stress and am at I point where I am looking to implement litigation if they fail to remove these items. Last but not least, I was affected by the Equifax data breach and this may be the result of the inaccurate items on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. Transunion and XXXX obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, XXXX is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a loan modification. I am currently paying 6.5 % on a loan. The method to apply requires that you go on line and submit various appears. When I submitted them I had apparently not provided or incorrectly submitted some forms. There is no way to know this other than to check again online.No emails or phone calls from them.I have called the person who is supposed to be my " specialist but never actually spoke to him. He is very hard to understand. I get different people who give me different reasons why this has taken more than 4 weeks despite the site saying 7 days. I am about to be late with my monthly payment. The person I spoke to today said it was given to the underwriters on XXXX XXXX th and it could take up to 30 days. The person before said that it was out of their hands since the application has to go through my home state and they are waiting for the return from New Mexico. It seems to me that the longer they put off their decision the less it costs them. If they reduced my interest rate from 6.5 % to say 3 % ; by me continuing to pay the higher rate. according to the last person I spoke to, It so happens that the date I become late with my payment is the same date that the underwriters are supposed to " decide ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Made a cash payment, before due date, in the same manner I make them every month. I used their app, paid directly from my bank and paid the balance from previous month. 
They said they were holding my money because of unusual deposit activity. The only unusual activity is the amount I can afford to give them. 
I made the payment on XXXX XXXX XX/XX/2023I attempted to make a XXXX purchase and was denied. 
Today they denied a {$1.00} monthly fee I have with a company. 
This is a travesty- the purpose of which I am sure is to collect the measly interest on my XXXX. 
I understand its a privilege to own a card but it is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Identity theft or some other transfer problem and defamatory statements, blacklisted blocked persecuted ilegally retaliated Asked for investigations ... .many witnesses .... 

My paycheck is not coming in, fully paid, trusted funds .... 

And also my credit card ... no proper credit line and frauds not reimbursed...

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 2023-10-21
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Proof of when car was sold, Bill of sale, or contract. I send in my information along with police report several times .Also Amend Section 604 ( c ) of the FCRA to address the treatment of pre-screening report requests. Section 604 ( c ) governs the furnishing of reports in connection with credit or insurance transactions that are not initiated by the consumer. However I did reach out to the DMV to file a report due to the inaccurate information on my XXXX credit file Also Office of the Attorney General office due to the discrepancies due to Bridge Crest. Please cease and desist all calls and contact with me immediately to stop the harassment, accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I spoke to a rep to request a refund for my loan payments that were made during covid. There was no confirmation email to confirm that the request has been submitted and only to take their word for it. Also the time frame for this request to get processed is absurdly longer than that of other loan service providers. Why is the wait almost half a year to process when others can get it done within a month or two. I know I'm not the only one with this issue. I'm also not sure if they put in the correct amount for the refund as that was not really confirmed with me when I spoke to the rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BARCLAYS BANK DELAWARE
State: CO
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 XXXX or XXXXXXXX XXXX XXXX, I received collection calls regarding an account, I thought it had to be incorrect so I ignored the calls. I pulled my credit reports in I XXXXXXXX XXXX XXXX and saw an account that had closed and gone to collections. I sent a dispute letter to all three Bureaus on XX/XX/2021. I received a letter stating " it was valid '', I sent a identity theft dispute through the FTC identity theft portal, then sent the confirmation number and another letter to all three Bureaus in XX/XX/2021, and received no response, I then sent another follow up letter with all the supporting information again XX/XX/2021, and I see notes on my credit report that I disputed this, however it is still reporting to the bureaus and I have yet to receive another response. They are in violation of my FCRA rights. I have no access to this alleged account, and have submitted what I was told to submit from the on line information.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This situation is causing me significant distress, as I have always paid this account on time and have never been late. It is frustrating and ridiculous to see this error on my credit report, and it is affecting my ability to sleep properly. I am earnestly requesting that you update my account as soon as possible to rectify this issue.

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 2021-06-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I applied for a CareCard back in XXXX of last year. I was given a credit limit of {$1000.00} I used this card to get some dental work. Since i got this card, I have never been late, and I have made all of my payments on time. On XXXX of this year without any explanation, they reduced my credit limit from XXXX to XXXX causing my credit untilization to go up, causing my credit to down my XXXX points. I called the customer services and the agent informed me that I was going to get a letter explaining what happen. I never received the letter. 

I made the decision that I was going to paid the balance on this card and closed. Today, I got a statement indicating that they are charging me XXXX in interest rate. making my card to go over the credit limit. I called customer services and after waiting for 1 and 12 minutes, I was told that if I paid {$250.00}, they will removed the {$360.00} interest in my card. THAT DOES NOT MAKE ANY SENSE TO 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 monetary relief
Consumer complaint received 2022-12-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX Asset Acceptance , LLC at XXXX XXXX XXXX XXXX MI XXXX filed suit against me Case in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Asset Acceptance acknowledge full payment of Final Judgement in Garnishment entered on XX/XX/XXXX for the Writ of Garnishment issued on XX/XX/XXXX, in the above-named Court against me, that was executed on XX/XX/XXXX. Asset Acceptance filed the same writ of garnishment in XX/XX/XXXX for the amount of {$770.00}, including accrued interest, under the same Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the case was argued on XX/XX/XXXX with Judge XXXX XXXX XXXX and ultimately dissolved, and was hereby ordered to cease and desist any further actions to garnish my wages ordered in XXXX XXXX XXXX Florida XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
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: Information is missing that should be on the report

Complaint:
Experian has manipulated my consumer statement took out sentences etc PLEASE SEE MY REGISTERED LETTER TO ALL BUREUS this is example on how they operate PLEASE THIS WILL BE EXHIBIT F these many of many you have no clue the damages being done Experian has demonstrated very poor and known fact they thrive on the income that companies pay to XXXX you to be able to extend credit at high interest rates as you will see I pay my bills that are mine and thought in question can XXXX no mater if its 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 2020-06-10
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
If I am not mistaken there is Student Loan forgiveness every where due to Covid. However Navient has ramped up the calls within the past month. They call at least 7 times daily. All from different numbers. I have blocked the majority of them. But this loan company is absurd. I have filed a complaint on this website previously on them and the calls ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$390.00} XXXX {$0.00} XXXX {$3300.00} XXXX {$1900.00} XXXX {$5300.00} XXXX XXXX XXXX {$180.00} XXXX {$1200.00} XXXX {$850.00}

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 2022-12-10
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Following accounts listed, I am unaware of : Accounts XXXX. XXXX XXXX XXXX {$700.00}, account # XXXX [ unverified, This account does not belong to me ] XXXX. Credence Resource Management {$870.00} account # XXXX [ unverified, This account does not belong to me ] XXXX. XXXX {$610.00} Account XXXX [ unverified, This account does not belong to me ] XXXX. XXXX XXXX XXXX {$180.00} account # XXXX [ unverified, This account does not belong to me ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions 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:
Experian has once again added an account onto to my credit report without providing notice 5 business days prior to reinserting item. Section 1681 violation of FCRA rules. 

Account name ; portfolio recovery and associates. Original creditor XXXX XXXX. 

Neither Experian or portfolio recovery and associates can either validate or verify this account. A violation of fcra rules section 1681

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 2021-06-10
Company: Experian Information Solutions Inc.
State: CA
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:
The company can not verify the debt is actually mine nor owed. They sent me a statement that said the word verified. Since, they refuse to get it out of their system after telling them a multitude of times that I was a victim of identity theft. Someone stole my identity and I have a collection from XXXX XXXX XXXX XXXX they refuse to remove the collection.

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 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last XX/XX/2022 PayPal permanently close my account. I believe that it was a mistake to close my account because I am using it for online business ( Selling stories, typing jobs ) to sustain our financial needs especially my son because I'm a single mom. My PayPal account ( XXXX ) has a stucked funds in it that I have to withdraw asap for my son 's XXXX birthday and other emergency purposes. I am hoping that you could help me to get back my account and able to withdraw my money. 
Thank you so much and God Bless. 

Kindly see attached file for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: I.C. System, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I.C System inc. is in violation of USC 1692b. ( 5 ), violation of 15 USC 1692b. ( 2 ), violation of 15 USC 1692d and violation of 15 USC 1681.

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 2021-06-16
Company: Experian Information Solutions 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 filed a complaint with this company on XX/XX/2021 and received a response back on XXXX XXXX. The response was from the company Senior Staff Attorney " XXXX XXXX. '' Mr. XXXX responded in the bottom portion of the letter " At this time, we have nothing to suggest that this account does not belong to you. Should you have any documentation that would be helpful to our investigation, we would be happy to review it and investigate further. That being said, we have made a business decision to close your account and you are no longer responsible for the remaining balance. The company then goes back and contradict everything they wrote in black and white and put this account back on my credit report on XX/XX/2021. A month later.

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 2020-06-10
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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2021-12-06
Company: RFNA, LP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a loan with Republic Finance. I tried to work with them. After, some time pass by I did not hear from Republic Finance. I assumed that the debt was written off. Two years passed by and I was notified by Human Resources that my wages were being garnished. Republic hired a collection agency by the name of XXXX, XXXX, and XXXX. I was never served any papers to appear in court. After, receiving the copy from my employer of this garnishment I reached out to XXXX XXXX his assistance spoke to me. He was very rude and unprofessional. In addition, I explained I moved and had certain circumstances that took place in my life including a divorce. No sympathy or compassion. Remind you this company makes you pay insurance on this loan. In addition, they are taking out 25 percent EVERY PAY CHECK!! I do not make much from my company. As a XXXX XXXX this is a hardship. They are taking almost half of my salary. In addition, they added collection fees, court cost along with other bogus charges. I need some form of assistance. Also, I advice anyone I REPEAT DO NOT DO BUSINESS WITH REPUBLIC. There collection agencies will milk you dry, lie, and use all types of unethical procedures to collect monies from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I made attempts to submit a dispute with equifax concerning the inquiries and making updates to my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a checking account with Wells Fargo. I was told there was a data breech. I like to get refunded for any incorrect 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 explanation