BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
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 have sent numerous of letters with questionable accounts on my credit report and have not received a response in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is doing their normal delay tactic. You all know the current administration is stopping you from investigating Student Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request Promissory Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent XXXX, XXXX, and Experian the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : XXXX : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE XXXX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report XXXX. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from Student Loan Services especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter XXXX sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the XXXX report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report XXXX along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove 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 explanation
Consumer complaint received 2020-02-07
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To say the very least Ladies & Gentlemen, I am completely disgusted with the response and follow up from Discover. I can not believe that the financial entity that calls itself the warm & fuzzy financial institution, did not respect my, more than decent response to them arbitrarily closing my account. That was, by the way in perfect standing, never a late payment, and a XXXX   balance. After even explaining that my parents both died within a close time frame, they still choose to not be decent with me, by any stretch of the imaginable common sense. I am therefore, again asking for your help in following up on this issue. The only reason that they gave me was that because I had not used it, there was a risk of it being lost or falling into the wrong hands. To say that is the most RiDICULOUS reasoning I have ever heard is an understatement. Nothing of the sort ever happens or was ever going to happen. I keep all the cards that I dont use regularly in a safe. I would ask that you please help me restore and resolve this issue in a timely manner. I great appreciate your services and what you do for the US citizen. BTW, my dad that died, was a meme we of our nations greatest generation. He was a XXXX XXXX XXXX veteran ( XXXX XXXX ). Seriously, please help me fix this ridiculous issue. It is disgusting and disrespectful to say the least. Lastly, I thank you in advance for your follow up and attention to this matter. 

With Respect & Kind Regards, Sincerely Yours

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have tried many times to negotiate with Navient regarding my student loan. They will not take anything into consideration as i have told them many times i am already paying {$500.00} a month in other student loans and in no way can pay what they are asking as there is no money left. Im not trying to not the pay the loan, i just want an affordable option. So I resulted to sending them what money i have left from other loans and life expenses which resulted in {$10.00} each payday. 

However, they have resulted in harrassing me by phone and will not give me any options. Today they called my job, i tried again to negotiate but they said no and told me they will continue to contact me at this number. 

Before calling me at my employment, they called my parents house many times a day asking for me beginning at XXXX until XXXX. Now they have resulted to calling me at work. 

I need these people to stop the harrassing tactics and try to help me with resolving the issue. They never give me but one option and that is the rate reduction plan and its over {$300.00} a month. If i had {$300.00} left each month, i would send it to them. 

The last statement today was we will continue to call you at this number until your account is current. 

Make them stop and give me a fair deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased merchandise in XX/XX/XXXX and paid through my bank on time, however, the company claimed my payment was received a day late. I called in XX/XX/XXXX and explained the situation and they waived the late fees as a courtesy, and informed me that my account was zero. Thereafter I started receiving late fees again after my account was zeroed. I don't understand why I have to keep paying fees if my account was cleared in XX/XX/XXXX. The problem is that I am a full time employee and night time XXXX so I didn't even see the late fees until XX/XX/XXXX - by now they are compounded and I don't know what to do. They should be ashamed for exploiting customers like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Kohl 's offered me the opportunity to delete the debt from my credit report and settle for 60 % off the original debt amount Kohl 's account # XXXX, if I paid the following settlement amount {$1000.00} on XX/XX/XXXX. I XXXX XXXX paid {$1000.00} on XX/XX/XXXX with my XXXX XXXX Debit card. My Kohl 's payment confirmation number is # XXXX. I contacted Kohl 's Department Store Collections today on XX/XX/XXXX because they still erroneously showing a remaining balance of an additional {$630.00}. This is an error. I have settled this account on XX/XX/XXXX and Kohl 's agreed to delete the account from my credit report after the settlement amount of {$1000.00}. was paid. I am filing this complaint because Kohl 's is now telling me they will not delete the paid account from my credit report and that I still owe a balance and that is wrong and fraud. Can you agency please assist me with having the collection account deleted from my credit report Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early 2019 I borrowed {$250.00} with {$50.00} interest. for 30 days. I finally repaid it in XXXX the whole {$300.00}. The company attempting to collect is XXXX XXXX XXXX They have made many threats to collect even though I have informed them that the debt has been paid. They are now saying I could owe as much as {$6300.00}. It appears that they are active trying to do the same thing against others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is doing their normal delay tactic. You all know the current administration is stopping you from investigating Student Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request Promissory Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent XXXX, TransUnion, and XXXX the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE XXXX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report XXXX. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from XXXX XXXX XXXX especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter XXXX sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the XXXX  report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report XXXX along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove 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 explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am hereby requesting an early exclusion ( deletion ) of XXXX XXXX XXXXXXXX account number XXXX ... ... .. from credit report immediately. This company has a policy where by which persons can request that items be deleted from there credit report up to 6 months before the due date. Its now 6 months before this account will drop off my credit report. This is based on the last credit report that I got from Transunion. The XXXX XXXXXXXX XXXX account is scheduled to fall off my credit report in XX/XX/2022. 
I am therefore asking Transunion to grant me an early exclusion and delete this account from my credit report immediately please and Thanks in Advance.

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 2018-08-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dates, amounts and actions : On XX/XX/XXXX I got a mail notice about an overdraft. I opened the account online and was appalled to see the bank had charged me overdraft fees against a positive balance that put me in overdraft and then proceeded to charge me daily overdraft fees against the overdraft they caused. There was no attempt made by the bank to reach out. The negative balance got deeper and then my insurance company made drafts against negative balance of which {$36.00} per draft was charged while the {$7.00} daily fees continued. 

The total of the overdraft came to {$250.00} of which {$290.00} were overdraft and services fees charged in a 20 day time period. 

I talked with XXXX XXXX at the XXXX Customer Contact center of BMO Harris Bank. This was on XX/XX/XXXX at or around XXXX. I have been a customer at the bank since XX/XX/XXXX. He proceeded to lecture me on the overdraft. I have never seen a daily overdraft fee. I asked him when the bank had put this policy in place as I never would have agreed to it. He claims the policy was put into place when I opened my account 18 years ago. 

I asked him if he had paper proof of that, and all he responded with was I can show you the current terms of your account. Frustrated with the apparent disregard they had for customer relations and the attempted dressing down from a person who wouldn't give his last name, I hung up. I'm XXXX Years old. I didn't intend to get emotional, but the attitude and wanton disregard for the past 18 years of being a customer put me into overdrive. 

This is just flat out robbery by another name. Overdraft fees, on top of daily OD fees, on Top of Overdraft fees as in the Punishment will continue until morale improves. I have wired enough to cover the overdraft, but the best out come for me is that this go as public as possible. A bank can only be as good as the service they provide and they all provide some variation of the same service. We bailed them out 8 years ago via tax payer dollars and then govt borrowing as the Fed printed up trillions to make their balance sheets whole again. Not one of them went to jail and now they rob us blind with apparent impunity. 

I realize with your budget cut, your ability to reach out is limited. I thought I would give it a try.

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 2019-06-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
i NEVER FILLED A bankruptcy AND THIS JUST SHOWED UP ON MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Company refused to send me a settlement offer letter prior to making payment - asked multiple times and they kept hanging up on me after trying to transfer me to a manager. 

I asked for this to be removed from my credit report if paid in full due to the fact it is considered a utility bill and they refused and said that is not possible. 

As an American male of the age of XXXX I am aware of my rights and they refused to comply by them. 

After days of arguing with them I decided to pay the settlement in full - they barely verified any of my personal information which made me a little nervous about giving them my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been getting phone calls from this collections agency that have escalated recently, about a debt/account that is in my credit file/report at the credit bureaus that I have repeatedly told this agency is not mine. I have never been to XXXX XXXX XXXX, nor have I received treatment from this organization. I have tirelessly told this collection agency this fact, but they still keep contacting me. This collection agency has even gone as far as to offer me a settlement, even though I told them this debt is not mine and that I have no idea what they are talking about. It even got to the point one time when I gave an amount of what I can settle for, because I was thinking that if I did this, it would cease the phone calls in which I state over and over, what seems to be in vain, that the debt is not mine. However, after thinking it through I knew it was wrong and that this company is taking advantage of me, especially after the one representative stated that he would put me on hold to see if his supervisor would agree with my offer, only to have the same representative come back on the phone in an obvious disguise of voice ( as " the supervisor '' ). This collection agency would call from multiple area codes, as a way to further deceive me. This collections agency has even gone as far as to call me from an area code that is the same as my employer, possibly as a way to get me to answer. I am filing this complaint because I have never been a patient of XXXX XXXX XXXX, and this collection agency has placed a debt on my credit report for XXXX XXXX XXXX that should not be there and was incurred fraudulently. Furthermore, this complain is because this collections agency is not considering taking steps to address the situation of this debt not being mine nor are they concerned that they are harassing me for what is definitely identity theft. Instead of fixing the problem, they just want to extort money, at the expense of a 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 2018-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I paid an amount to settle a debt in full to USAA Bank, and the payment has cleard and was accepted by USAA Bank as complete settlement. A confirmation was recieved from both USAA and their third party collection agency ( XXXX ) confirming such. I have reached out to USAA regarding their inaccurate reporting to all credit reporting agencies that this debt still has a balance due which in fact is inaccurate and damaging information. Which is directly impacting my efforts to resolve this unfortunate situation that was a direct result of multiple untimely and unexpected immediate family deaths including my Mother, Aunt, and Grandmother within only a 3 month period. I have unsuccessfully reached out to this creditor asking that if this debt is settled to please extend their goodwill and remove this account in its entirty upon settlement from my credit reports. This has not been done nor is it reporting accurately. Attached are supporting documents I ask for CFPB 's assistance in this matter sincerely. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation