BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
midland credit management responded to my letter by saying that they are using the Texas finance code. I have never open an account in the State of Texas. They didn't provide me the following : the original amount or credit limit of the contract. No XXXX on the credit report No complete credit history from the beginning of the original contract. the response i got from this debt collector was, quote, '' in order for us to further investigate i need to send you information that you should already have. act # XXXX : amount : XXXX. Send me a complete and accurate account with all the information in it or Delete it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Patenaude & Felix A Professional Corporation
State: OH
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 had trouble paying my private student loans this past year. Many loans became delinquent and were moved around from different servicing agencies. National Collegiate Student Loan Trust & XXXX XXXX XXXX XXXX filed a lawsuit, " Summons Civil Action '' in the XXXX County Courts, case # XXXX. I reached out to the law firm representing National Collegiate Loan Trust and they said there is no way to contact " their '' client and they are refusing to provide me with payment history on the loan that was originally taken out through the lender XXXX XXXX XXXX XXXX, XXXX. for {$6000.00} on XX/XX/2005. I have made many payments towards this loan over the past 10 years, but National Collegiate and their affiliates refuse to provide that information. I have been calling all of my loan services to get all of my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have opened a Dispute with Bank of America and it was filed under the wrong description and miscategorized as my friend was the one that helped me with the initial Dispute.I called several times to have them work through this with me and edit the information since I have proof that the merchant was never shipped to me and seller took my money. Bank of America seems to be adamant in helping me out. Today XX/XX/2018 I called again and the supervisor I was talking to hung up on me when I offered to email proof that seller never shipped merchandise to me. Bank of America should be helping me not killing me and I am very appalled.Seller gave me tracking number from XXXX as XXXX ( number does not exist ) in tracking system. I believe I have been scammed.

I attached correspondence with the merchant to this Dispute.

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 2023-05-10
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX  - app and website always says invalid login but it's impossible because it's automatically saved on my phone! I've called months to inform them of all these issues and nothing has been done. 

XXXX present -they have my ssn incorrect in which I've said on every call and it's not been fixed. 

XXXX These people have suspended my account and holding my funds when I have bills due. My car was getting repoed if I didn't pay yesterday in which that's how I found out my account was suspended! It's illegal for them to hold my funds due to their mistakes. There is no fraudulent activity on my account. They suspended my account saying unusual activity but I'm on XXXX and don't have money to acquire extra charges. Then they stated that wasn't the problem but they have to be in compliance and some accounts need documentation to unsuspend accounts like mine. This is highly suspicious because I've been banking with them for several years. I've repeatedly sent the documents over and over again and they keep asking for the same things even though it's documented they have them. I've called a hundred times with no results! Please help because they aren't saying anything nor complying! I need my account unsuspended immediately because there is no reason for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am, once again, submitting this CFPB complaint to you to request that you remove the negative description on my Credit File. When I checked my credit record, I discovered a lot of billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$79.00} XXXX You have failed to send me copies of results of your investigation and yet you claim that the disputed erroneous acccounts are acureate and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Equifax report is not showing and no scores or account is available. 
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NJ
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 recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 


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 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 explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: PA
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:
You are breaking federal laws by violating the Fair Credit Reporting Act ( 15 USC 1681 ). Your fiduciary duty in accordance with the Act, is to protect and respect my right to privacy ensuring that my consumer report is fair and equitable to me as the consumer since this is my consumer report. Youve have failed to perform your grave responsibilities which are vital to the functioning of the banking system with your unfair credit reporting methods! As a consumer, you must have my consent FIRST to furnish anything on my consumer report. Furthermore, in accordance with the Gramm Leach Bliley Act ( 15 USC 6809 ( 3 ), you are defined as a financial institution. Congress made it your obligation to respect my right to privacy and provide me with an opt out option of the sharing of my nonpublic personal information with nonaffiliated third parties! Youve failed to perform your official duties in which Congress clearly specified in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm Leach Bliley Act ( 15 USC 6801 ). Congress also states that a consumer report to EXCLUDES transactions and experiences between a consumer and the person who makes the report. Im aware that as a consumer reporting agency ( 15 USC 1681a ( d ), for MONETARY FEES you participate with nonaffiliated third parties to defame my character, weigh on my credit worthiness, and extort me on extensions of credit! Congress states that not only that I have right to privacy, but I may exercise my opt out option of sharing my nonpublic personal information at any time due to your failure to never provide me which an option to do so.

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 2023-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Equifax report is not showing and no scores or account is available. 
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received notice that Navient had purchased my student loan from XXXX. I created a profile on the Navient website and set up my account with them as directed. I made my first payment of {$1.00} as a test payment ( bank verified ) and then set up Auto-pay for my first regular installment to be debited on XX/XX/XXXX. 

The first installment payment was not taken, but their website showed it was. On XX/XX/XXXX I  contacted my bank ( XXXX XXXX XXXX XXXX ) to verify and have documentation as a 3rd party regarding this issue with Navient. XXXX verified the {$1.00} test payment I made, but said Navient has not tried to debit my regular installment payment. When I contacted Navient by phone they said they couldn't view this information and that maybe I have provided the wrong banking information. They said if the bank information is wrong then it could take up to 10 days for a payment to be completed. They had no other explanation when I informed them that I had already spoken with my bank and and gave them the details. The phone rep told me to wait for the payment to be taken. 

On XX/XX/XXXX, I sent a written complaint for follow up through the Navient portal because the problem is still not fixed and no one has gotten back with me as I requested. Navient 's website shows the first installment payment received on XX/XX/XXXX, but now shows a late payment on XX/XX/XXXX.

On XX/XX/XXXX, XXXX XXXX from Navient replied that they are " still working '' on my account and need to " research '' my account. I followed up with via email with XXXX on XX/XX/XXXX and again yesterday evening XX/XX/XXXX and my account is still not fixed and I have nor received an update as requested. 

I have also request documents to show proof that they actually do own this loan, which has not been addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These items listed are not my accounts or I did NOT authorize these companies to pull my credit. Please remove them immediately.

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 2021-05-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In late XXXX I received an automated e-mail from Home Depot asking if I recently made a large purchase using my Home Depot credit card, I replied no and called the next day to say it was not me. They told me not to worry about those charges and sent me a new card which was also hacked, I received a statement for XXXX XXXX. Since none of these purchases was made by me I called their fraud department and explained the situation. Their response was that my drivers license was used when these purchases were made which is impossible since it never left my possession. They requested a copy of my License which I sent them. On XX/XX/XXXX I received a letter informing me that I was responsible for these charges. on XX/XX/XXXX I received a statement for over XXXX XXXX. I did not pay even the minimum because these charges are not my responsibility and now my credit is getting hurt for no payment including late fees. I have had zero luck trying to dispute this with Citibank ( they run Home Depots credit cards ).

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 2023-08-22
Company: Experian Information Solutions Inc.
State: HI
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:
On XXXX XXXX XXXX XXXX XXXX a Loss statement with the IRS, stating that they discharged my debt of {$11000.00}. and were taking a LOSS, thus REDUCING their tax burden for 2021. 

Conversely, I paid income tax on the GAIN of {$11000.00}. 

After they have done this, it is illegal for them to take any payments from the consumer. 

Thus, when I contacted them, they REFUSED to take payment. 

Thus, according to the Fair Credit Reporting Act, it is not legal for any of the three credit bureaus to report this account as having a balance. The debt has been DISCHARGED ; thus, it can not be paid, and it can not be reported. 

Both XXXX and Experian are each reporting a balance of {$15000.00}. ( Principal of {$11000.00} plus interest )

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 2022-12-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I had some XXXX XXXX  done at XXXX XXXX. They gave me financing for {$2200.00} for 5 years. My payments started in XXXX of XXXX with Delta XXXX. The financial specialist at XXXX XXXX estimated my payments at {$55.00} per month. I started paying $ XXXX per month the entire time for a total of {$3200.00}. The Amortization Schedule shows a total of payments of {$3200.00}. for a 5 year loan of {$2200.00} with total interest payments of {$970.00}. 
Delta XXXX had been charging 28.99 % {$900.00} and 14.99 % on {$1300.00}. 
I sent the information with my documentation to their XXXX XXXX XXXX XXXX, Ohio on XXXX and they sent back the information on the website NOT the total amount paid on the account to date. 
I have communicated with their customer service line and they informed me they don't have any information on the account beyond 1 year. They suggested writing the XXXX XXXX XXXX XXXX they couldn't give me the info. 
I have XXXX sales contracts XXXX signed on XX/XX/XXXX for {$1300.00} and the other on XX/XX/XXXX both for 14.99 % interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 


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 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 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 2023-05-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 60 days later, i still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. it is precisely stated in section 611 ( a ) that refusal to investigate these allegation within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and its feasible that it landed in the incorrect hands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
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 belongs to someone else

Complaint:
Identity theft and fraud, collection account does not belong to me, remove and block verizon collections from my credit report ftc report attached

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 2021-09-23
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was opened at Comerica Bank in my former name of XXXX XXXX using my SSN and date of birth. 

I never opened an account at this financial institution. A fraudulent check was deposited into this account and the check did not clear. The account was flagged as fraudulent by Comerica Bank and closed. I was notified of the activity through USPS mail.

I reported this to the Fraud Department at Comerica Bank and opened a police report with the local authority. Report is XXXX. 

Regards, XXXX XXXX XXXX ( formerly XXXX XXXX ) XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation