BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a complaint under ID XXXX disputing the items on my credit report with Equifax. Their response to you was that they needed more time to investigate and i received a letter saying that they are refusing to investigate or re-investigate. I am in disagreement with the items listed below which still appear on my credit report. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX  XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX XXXX / Account # XXXX XXXX. XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX / Account # XXXX XXXX. XXXX XXXX / Account # XXXX XXXX. XXXX XXXX / Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX / Account # XXXX Furthermore, In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller said they were trying to collect a debt. I have no debts and am not late or past due on any thing. Used a name that was not understandable and I told them to stop calling. They could not state anything about debt were very rude. Have had repeated calls for same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: NC
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, those accounts are listed on the attachment as result of identity theft.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There wrong personal information on my 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 non-monetary relief
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on Equifax. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2017 it was reported that someone opened up an XXXX XXXX XXXX XXXX and was approved for XXXX without my knowledge. The company reach out to me about missed payment up to {$900.00}.

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 explanation
Consumer complaint received 2021-01-25
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on this loan for my daughter 's XXXX  XXXX  expenses since XXXX. Navient has been difficult to deal with, and specifically how to understand the method they use to calculate the interest and late fees. 

I called Navient on XX/XX/XXXX and attempted to pay off the loan. They informed me the payoff balance was {$3500.00}, but they would not allow me to pay with a credit card, only a debit card. I informed them at that time I would be mailing them a check, which I did on XX/XX/XXXX to the mailing address in XXXX, PA they had provided at that time. This was check # XXXX in the amount of {$3500.00}. 

I called them on XX/XX/XXXX since I noticed that late payment charges were accruing on their online statement, and my check was obviously not deposited. They informed me at that time they had not received the check. I was concerned that they were deliberately holding the check for as long as they could, in order to accrue additional late charges, as this was nearly two weeks since I sent the check. So I told them at that time I would be cancelling the check and would pay immediately with a debit card. I proceeded with the debit payment at that time, in the amount of {$3500.00} which I was informed was the payoff balance. I did receive a confirmation e-mail shortly afterwards on XX/XX/XXXX with the confirmation # XXXX, indicating that the payment was submitted and processed. 

I did proceed also at that time to place a stop payment with my bank on check # XXXX. I noticed on XX/XX/XXXX that the debit payment was posted to my bank account in the amount of {$3500.00}. On XX/XX/XXXX I noticed also that Navient had attempted to deposit check # XXXX which I had told them specifically I was cancelling and this was 2 days after the debit payment was already processed. 

I am concerned now that if I would not have placed this stop payment that Navient would have proceeded with processing the check, and it would have been a large project with them to refund the check, and most likely it would have been on their terms, with whatever other late charges they wanted to add. 

I am attached the e-mail from Navient indicating the debit payment was processed on XX/XX/XXXX, and a caption of my bank statement, indicating that Navient had attempted to process the check for {$3500.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I recently contacted the collection agency LVNV Funding about the " alleged '' debt for {$820.00}. I disputed the debt via certified letter and asked that they send me the verification documents certified mailed and the collection failed to verify the debt based on my request. They sent me a letter clearly stating that the documents enclosed were not from the original creditor XXXX did it bear my signature that I agreed to pay for the " alleged '' account. I furthermore DO NOT have a contracual agreement with any collection agency and request that the account be returned to the original creditor to resolve. 

According to my rights according FDCPA and according to 15 U.S. Code 1692g the proper channels were not taken in order to report the major credit bureaus. 

I have attached detailed copies of all correspondence and would REQUEST that this account be deleted immediately from all MAJOR credit bureaus in violation of my " consumer '' rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX I received a call from XXXX XXXX from National Credit Systems about a collection attempt from a past due rent amount that included other charges for XXXX. 
Through our conversation she was very argumentative and asked for a payment today. I told her I do not get paid until Thursday and I could not afford to make a payment until then. At the beginning of the call she made reference that they would report to my credit report if they did not receive payment. Towards the end of the call I asked directly if it was going to be reported to my credit report today and she said yes and I said so there is nothing I can do and she no... I then repeated that she has said at the beginning of the call that it would be reported if I didn't make payment and then she replied yes that is correct but you are not making payment. Then she back tracked and said she never said she threatened to report to my credit. She also called me in XXXX and I remember that I was busy trying to get my daughter ready for a funeral ( her grandfather had just passed away ) and I told her she called at a bad time and her first words were you don't even have time if it has to do with your credit report? LISTEN TO THE RECORDINGS!!!! I am not ok with the threats of using my credit report. She is also consistently insuating that I am lieing about what I am disputing and I do not appreciate someone who was not there to even try and discuss the issue at hand. When I asked to speak to someone above her she told me she is the person that handles the escalations and did not allow me to speak to anyone. I even tried to talk to her more calmly and she still went back to trying to argue the situation. Please do not allow this person to continue to treat people this way. Its not how you handle situations and you definalty do not threaten someone's credit report!!!! Again listen to the recordings!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage is serviced by BSI Financial Services. They are required to provide a Form 1098 reporting my mortgage interest every year. XXXX XXXX on the Form 1098 is where the " mortgage acquisition date '' is supposed to be disclosed, but BSI never discloses that they acquired the mortgage on my Form 1098, and every single year I have to call them and email them and attempt to get it resolved. BSI should provide accurate Form 1098s as required by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 2020-07-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, Wells Fargo is yet again doing illegal activity. I made a principal payment of $ XXXX on XXXX and at that time my current balance was {$88.00} ( rounding up ) Since then I have made several payments as well as additional principal payments and the balance is now at $ XXXX. It appears that Wells Fargo did creative accounting so that they could continue to charge me interest on a high balance as opposed to correctly crediting my account on XX/XX/19. When the $ XXXX payment was made, the balance should have been $ XXXX, yet the balance id $ XXXX and I have made an additional $ XXXX towards the principal along with my monthly payment so the most my balance should be at right now is $ XXXX, not XXXX! 

Wells Fargo should not be allowed to get away with this and be fined a penalty. This is not the first time they have done this to me. The first time I bought their creative accounting explanation, this time I realized, it makes no sense! I should be given a credit for my overcharged interest as well! Wells Fargo keeps trying to make contact with me to try to convince me that their accounting is correct when it is absolutely wrong and they are still benefiting on interest charges off my incorrect balance! 

Wells Fargo has had a history of questionable activities and I can not be the only one that they are pulling this mortgage interest rate scam on!!!! I have various statements and they have questionable accounting and balances and are different on each statement???????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
Fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I never opened the card and reported it a lot of times to the bank, they still keep sending me bills and reported on i a credit bureau.

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 2020-10-20
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested twice to have this debt properly validated and this company has refused. I have not been shown proof that I owe this medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NY
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:
Please review my identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
AES services my private student loans. I have been out of work for the last year, and have been struggling to make payments. Now the situation is, Im still actively applying for jobs and looking for work, but without an income I can not even make good faith payments. AES has applied all the options they can is what Im told. I am then encouraged to find someone I can borrow money from in order to at least make good faith payments. I do not have family or friends that can add my bill to their life while Im trying to find work, and its absurd to encourage people to borrow money from others. There needs to be options for people who are out of work. I can not control how quickly I am able to find a job. 

I would like to avoid being sent to collections, so an option to help until I find work would be nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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: Investigation took more than 30 days

Complaint:
I am attaching a copy of the request of investigation my wife and I sent to Equifax on XX/XX/XXXX. Over 60 days have passed, and they have not responded. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: IN
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 a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about 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 2019-03-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fifth Third Bank is classifying Balance Transfer Fees as " Purchases '' on their credit cards instead of counting the balance transfer fee as part of the transfer itself. This has resulted in consumers being charged interest rates as high as 29 % on the balance transfer fee when taking advantage of a 0 % APR balance transfer offers ( with a 3 % balance transfer fee ). 

Because Fifth Third Bank applies payments to the lowest interest balance first, they make it impossible to avoid this bait and switch on the balance transfer fee interest charge. 

I attempted to point out the misclassification of the balance transfer fee as a purchase to Fifth Third Bank on XX/XX/2019 and they replied on XX/XX/XXXX : " Balance transfer fees are processed as purchases and the purchase interest rate is applied for Balance transfer fee. '' No other bank I have ever dealt with classifies Balance Transfer Fees as " Purchases '' and this is obviously a tactic to incorrectly charge interest to the consumer that they should not be paying. A balance transfer fee is not a purchase and should not be charged or classified as such. Furthermore, this classification was NEVER stated in any of the balance transfer correspondence sent by Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In review of my Credit report, the following acct has been pd in full satisfactory to XXXX XXXX XXXX  by Washington State landlord mitigation program.

A collections has been placed against us for a balance that can not be collected as once payment was submitted, XXXXXXXX XXXX XXXX  were not aloud to submit for another bill unless documentation was fully submitted and it was not. 

Original creditor : XXXX XXXX XXXX  Debt holder : XXXX XXXX XXXX Balance : {$950.00}

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 explanation