BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
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:
remove it : fcra violations : LAW OFFICES XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$670.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$670.00} {$670.00} Payment Info Original balance {$670.00} Balance {$670.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$420.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX - Closed 5 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount - {$12000.00} XXXX XXXXXXXX BANK NA {$1300.00} Closed 10 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$1300.00} {$1200.00} Payment Info Status 30, 60, or 90 days past due date, was past due 120 days or more Status date XX/XX/XXXX Past due amount {$180.00} Highest balance {$1600.00} Monthly payment {$70.00} Late payments XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXView more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 3 late payments {$1100.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card Usage : 47 % Balance on XX/XX/XXXX Credit Limit {$1100.00} {$2500.00} XXXX XXXX BANK USA N 7 late payments {$460.00} Balance updated XXXX XXXX, XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card Usage : 92 % Balance on XXXX XXXX, XXXX Credit Limit {$460.00} {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently went through a divorce and my credit and finances have suffered. Everytime I get a little bit ahead on my Citi-Bank credit card they drop my limit negatively effecting my credit utilization and debt/credit ratio. They've decreased my credit XXXX times in the last XXXX months and each time drop the limit almost exactly to the amount owed. I've tried to contact them about lowering the payment so that the finance charge won't push me over the limit but they've been very hostile and unwilling to work with me. I spoke with a representative in the credit department and he kept mentioning my accounts with other companies as the main factor and was using an outdated credit 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 2021-04-07
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX TD Retail Card Services reported on my credit that I was 30 days late. The account was paid and closed as of XX/XX/XXXX. This account has been reporting incorrectly and needs to be removed..I have provided all credit reporting agencies with documentation and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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:
The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX  payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I was 90 days late in XXXX and in 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 2021-02-21
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reports on my credit of not paying XXXX  and XXXX XXXX XXXX the problem i called the company and they told me they had different birthday on it cause its my dads name but it got put on my credit I put dispute threw XXXX  didn't change it they told me I just need to pay but its not mine and I shouldn't have to fix my parents problems I live in there house and we have same name is where the mix up is coming from I've never missed payment on anything

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 2019-02-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXXXXXX XXXX : XXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/14, XXXX XX/XX/14. How is that accurate? 

I have no knowledge of this account and have never done business with XXXX XXXX XXXX so why does Experian list an open date of XX/XX/2014? How is this accurate? 
There should be no past due on a collection account yet Experian lists a past due amount of {$420.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.

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 2021-04-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have two hard credit pulls on my experian credit report. 
XXXX XX/XX/XXXXInquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX I did not authorize not one of these inquiries

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 2017-12-05
Company: Experian Information Solutions Inc.
State: FL
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:
Unauthorized Credit Inquiries Ive Called them and Just wrote them asking to remove these credit inquiries from my Experian Credit File

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 2021-04-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, approximately 3 days before closing MsXXXX XXXX XXXX provided me with an alleged break down of my loan payment information. She stated that my taxes will be {$7100.00} for the year when according to the County my taxes are currently {$1400.00} for the year 2021. 

Ms. XXXX is attempting to price gouge me and overcharge my taxes by {$5600.00}. She has been provided with the correct tax information and the county tax number for her reference and still she ignores the truth in an attempt to steal escrow. 


Her contact information is as follows : XXXX XXXX Home Mortgage Loan Processor ( SAFE ) Government Purchase Processing-VA, FHA NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX Tel : XXXX ext. 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX/XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # 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 2019-02-13
Company: ProCollect, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am cleaning up my credit and had a debt with pro collect incorporated. So i called the company to pay my balance owed in full. After getting nothing but rudely ran around on I finally was told that my file is closed and only one person Mr XXXX, can deal with me. After emailing him I received a call from him and couldnt believe this was real. He was so aggressive, hostile and rude. I felt like I was arguing with my sister. Yelling over me completely. Hung up on me after screaming at me. For asking basic questions about credit repair. So I still had not paid the only debt I have to pay. I called back and again had the same issue. Thankfully the calls are recorded. So after more arguing he finally hangs up. Said he was the boss I cant complain because he is in charge. And literally I went straight to XXXX to see who I could complain to. Found over 300 reviews saying the exact same thing. All of their tactics are illegal. Overly aggressive. Its not illegal to ask for pay to delete. Thats the point of paying. So two days later and still trying to figure out how to pay this debt. Ive been hung up on by everyone at that XXXX  business. They will not accept card payment. Only through XXXX  or XXXX  XXXX. Gave me wrong account number and wasted my trip to XXXX  as a single mother with a baby. Avoid pro collect incorporated and their trashy employees.

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 2017-12-08
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been doing my due diligence to pay off my student loan debt. I have been in constant contact with the department of education and debt management and collections. I was notified how much I owe and who owned my debt. I have been paying for nearly 9 months now and yet I have three different collection agencies ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX ) contacting me telling me I owe money. Each claims to be collecting a debt from Navient ( which is what I am currently paying ). The amounts are extremely high ( nearly {$100000.00} ) in comparison to what I have been told I owe ( a lot less than that ). 

The department of education has told me these are fraudulent and that the money is not owed and told me to contact Ombudsman who opened three cases ( today  XXXX/XXXX/2017 ) and told me to turn it into the Consumer Financial Protection Bureau. These collection agencies have not only called and called and called me but have started harassing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently bought a car. The dealership ran my credit 25 time. I understand that when shopping for a house or car loan the can apply to as many places as you want in 30 days to get the best rate. My understanding of the fair credit act is that the inquiries made in a 30 day period should only count as one inquiry. They are showing as 25 different inquiries which had lowered my credit score over 20 points. How do I fix this.

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 2019-02-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Filed a complaint with the attorney general 's office regarding XXXX XXXX XXXX XXXX account # XXXX, reporting an account on my credit report as payments being made when there are no payments being made, thus re-aging the debt. XXXX XXXX XXXX stated that they do not control how the debt is reported and that is up to the credit bureau. Equifax is thus responsible for the inaccurate reporting of this account on my credit report. I am requesting the deletion of this account from my credit profile. The FCRA requires all credit reporting agencies to report 100 % accurate information. This is incorrect and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 submitted numerous disputes with XXXX, Transunion, and XXXX  with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, Transunion, XXXX, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2019-02-13
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an acct on my credit from XXXX XXXX  in the amount of {$240.00} for a payday loan. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Navient Solutions, LLC.
State: FL
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 have been trying to arrange an income based repayment plan with Navient since XXXX 2017 and I 've tried to follow their instructions, submitting my application, proof of income, self certification letter, and other documents explaining my income status, each time completing the submission process and receiving confirmation that everything succeeded only to start receiving emails stating that I have a payment due that is not what was agreed upon and when I contact customer service, in every single case, they tell me that they have never received my application and have no documents from me. 

When I have requested that my situation be escalated to a higher level, I am told that there is no such process for escalating a complaint nor the possibility of any kind of supervisory appeal to assist in resolving whatever is happening. I have been charged late fees which have been added to the principle of the loan as a result of this chaos. When I attempted to simply just start sending in payments, I was informed that the payments I made were simply going to pay for the late fee penalties and would not be considered payments on the student loan, forcing me to cancel the payments. 

I feel like the pattern of operations Navient has been demonstrating is exploiting people who are in positions of financial hardship and designed to confuse, frustrate and pressure borrowers into agreeing to repayment terms that are beyond their ability to pay and a system where penalty fees can be added to the loan principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I filed a complaint with the XXXX  regarding my Capital One/Walmart account because Capital One was failing to accurately report the correct balance, so in response Capital One chose to delete the entire account tradeline from XXXX  on XX/XX/2020. I called Capital One and on XX/XX/2020 and spoke to a supervisor XXXX and he said that I would need to contact the XXXX  to make the correction when Capital One is the party that requested the deletion. My account has been paid in full and I have been waiting for my credit report to reflect that and was wondering why my credit report didnt look right. It would be really nice if Capital One went the extra mile for the consumer especially during this national pandemic and these very trying times when consumers are facing difficult hardships. The credit bureaus only report what the creditors instruct them to report as allowed by law and Capital One should be more cooperative and provide more assistance to their consumers in time of need. 

Please investigate this matter as soon as possible as time is of the very essence as this is having a negative impact on my overall credit score.  I want and need this tradeline added back to my credit profile effective immediately and Capital One will not cooperate with me as usual. I am attaching a copy of the dispute report from XXXX  to show the before and after to show that they in fact had my tradeline deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We receive daily calls on our second, message-only, land line from XXXX XXXX XXXX. They call from multiple numbers ( so blocking doesn't work ) and don't leave any message. XXXX their caller ID name informs us that they are a debt collector. ( We do not have any debts and our credit score is excellent. ) We consider these calls harassment and want them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted Transunion fraud department to dispute inquiries that were not mine. I explained to the representative that the documentation that they are requesting in order to remove the inquiries is impossible to obtain due to the COVID 19 mandate in my state I can not go to my local law enforcement office to provide a police report due to NO in person contact at this time. The representative advised me that she can only remove 1 inquiry from the 7 that I wanted to dispute. Here are the inquiries I wanted to have disputed. 
XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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