BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MO
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:
Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the US Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to the credit reporting agencies, nor do they validate and/or confirm public records. 
see attachments

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 2019-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I received an email from Capital One this morning telling me my account has been suspended and is scheduled to be closed on XX/XX/19. I called Capital One to ensure the email I received was even real only to find it in fact it was. I asked them to not close my account as I have a XXXX credit line and owe XXXX on the card. As you are aware this is 0 % utilization which helps my credit score which is already over 800 but this will pull that XXXX out of my total available credit and overall usage ( which is still incredibly low being around 2-3 % utilization ). Here are the facts : 1. Never paid a late payment on a single trade line. 2. 31 year same place of employment. 3. FICO over 800. 4. Total debt to income ratio is extremely low. I simply want to know why and understand how they are allowed to negatively impact my credit score for no cause other than i haven't used the card in over a year? UMMMM doesn't this sound like wise credit usage? Unreal and I would appreciate you looking into this or changing how my credit score can be negatively impacted EVEN if over 800 already based on decisions out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CNG HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They are misleading and very intrusive with there buisness I have not paid the first payment nor will I make any payment they are accessing all my private info on my phone and accessing info and charging people way more then what the items are worth and making transactions that are not agreed upon cause they are misleading and disguising there fraudulent scheme through there agreement policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This Items been removed months ago Transunion re added the same 3 XXXX XXXX back to my TransUnion credit report without ever sending a 5 day reinsertion notice which is a violations Under the FCRA & FDCPA The Accounts Numbers : 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 2021-11-10
Company: FC HoldCo LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FLAGSHIP CREDIT ACCEPT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called and to a Transunion representative inform his of a mistake they on my report few mouths ago. They remove all 8 of my inquiries then a week later put them back on ... .. 
Section 611 says then sure have notified me 5 days prior to replacing them back on ... .. 
Here a list of the inquiries : XXXX ... ..XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX   XXXX ... ..XX/XX/XXXX XXXX XXXX ... ... XX/XX/XXXX XXXX XXXX XXXX  ... ..XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX ... ..XX/XX/XXXX Thank You XX/XX/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 2018-01-29
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2006 i took a loan for XXXX with XXXX XXXX XXXX, my grandmother co-signed the note. As of this date i have not been able to find full time employment and although i was on an interest only plan for 2 years and also deferment at one time, the loan has become past due. I contacted AES and was told that XXXX owns the loan and that they have no there options for me, resulting in negative reporting to my credit file, which has negatively affected me when i apply for jobs. 

I have called AES ON numerous occasions requesting proof of transfer of my loan to XXXX, i never received anything and was told via email that they were unable to provide me with same ( copy of email attached ). 

My grandmother is in the XXXX XXXX XXXX  XXXX and can not help me. My mother has been assisting in payments but she is on XXXX and is limited in what she can do. 

I have been making payments for a while now and nothing has come off the principal of the loan and i now owe in excess of 57,000 dollars on a XXXX loan. i need help. 

The interest rate has gone up again and my payment will now be more than the {$460.00} i currently pay and i can't afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a XXXX XXXX through XXXX XXXX. My Loal Store closed XX/XX/18 I have cash back due in XX/XX/XXXX and they send a check good only in the store. The nearest store is now 2 Hours away and they say they can not send a regular check?

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 2018-01-29
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent Credit Bureau Associates NE several debt validation and they have not responded to my request. Also the credit reporting agency deleted the items from my credit reports and Credit Bureau Associates NE placed it back on my credit reports.

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 2021-11-10
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX. Navient consistently and continuously encouraged and instruct me to use deferment & forbearance methodologies & not offering repayment/income/graduated programs. Interest has compiled up over the years and I have made no dent on my loan. They incorrectly applied & allocated payments to my loans whereby interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I asked for a withdrawal of {$600.00} of my money ( see below ) and it shows complete but no funds were received. I've emailed over a dozen times ... one response with case number ( see below ). I've also tweeted, facebook, and called Coinbase/XXXX  for resolution with zero response. Case # XXXX is the only thing I was given on XX/XX/. 


transfer XXXX XXXX - XX/XX/ XXXX XXXX Transfer ID : XXXX On XX/XX/, at XXXX XXXX, Coinbase Support XXXX wrote : Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble and for the delay on responding. 
Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

You can always visit our self help tool found at XXXX XXXX XXXX for more issue resolution steps. 
If you require further assistance, please let me know. 

Thanks, XXXX Coinbase Support Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble. This message was sent to XXXX in reference to Case # XXXX Follow this link to view the status of your case and add additional comments : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There are unknown errors on this report and they must be removed. Problem opening 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 2018-01-29
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On behalf of homeowner/client ; XXXX XXXX two complete hardship packages/requests for mortgage assistance were prepared and submitted to Prime Lending/XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

To date ( XX/XX/XXXX ) Neither request has been reviewed. 

The first request was submitted via email as that was listed on the mortgage statement and deemed a reliable way to send the documentation. On XX/XX/XXXX I spoke with XXXX XXXX agent XXXX and inquired about application sent in XX/XX/XXXX. XXXX XXXX said that the email isn't checked by anyone and that I should have faxed it. I answered that no fax number had been made available on the statement or in other I advised that I would send a new request for assistance to the fax number that was offered and did so. I received a fax confirmation and email of receipt of the documentation the same day. I called Prime Lending on XX/XX/XXXX to ensure that documents had been moved to underwriting to again have a frustrating conversation with an individual that acknowledged receipt of documenattion ( actually referencing docs page by page ) yet syaing that no one had reviewed them yet and that I needed to speak with a loan counselor. When I was transferred I was told that I needed to speak with loss mitigation which was not available and that I would receive a return call within a week. I received a vm msg from Prime Lending time stamped XXXX XXXX XX/XX/XXXX asking for a return call. When I returned the call at XXXX XXXX XX/XX/XXXX I was advised at first that no documents had been received and then after some pushing that they had and they would not go to processing for another 5 days. 

This is unacceptable

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Financial Assistance Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
i9 went to court over XXXX XXXX XXXX becouse the XXXX lord that owned my building expected me to shell out XXXX dollars a month to live in a building that was falling apoart around all the tenants mold in the walls growing out the bottom ants every were no mater hoe clean everything was black oily substance leaking into my bath and shower water wich made it imposible to clean urself went to court and paid XXXX dollars to get out of the lease they shouldnt be able to charge me for fixing all those problems after i moved and thats what this collection is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. XXXX   and XXXX both sent me results without documentation saying that the accounts meet FCRA requirements. Equifax sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: Sequoia Financial Services
State: CA
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the SEQUOIA FINANCIAL SVCS ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am currently engaged in resolving problems with my mother 's checking and savings accounts. I received " notices '' from USAA dated XX/XX/20 and XX/XX/20 indicating that changes have been made to these accounts. I called USAA and spoke with USAA customer service to explain to me exactly what " update account information '' was provided and updated. USAA was unable to give me an answer. I spoke with XXXX XXXX XXXX and discussed these letters and he indicated that the information I have been working with him to get updated was not the information to which these letters refer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-01-29
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-01-29
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.

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 2023-08-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not contacted about this dept or given a appropriate amount of time to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BARCLAYS BANK DELAWARE
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of reply or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as misleading information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the inaccurate account reporting on my credit report : BARCLAYS BANK DELAWARE - 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 2019-09-13
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:
I have contacted collection agencies on my credit file that have failed to provide information validating these accounts listed on my credit file. I have also disputed with Equifax yet Equifax still continues to report accounts that can not be validated. It is my understanding that a company must provide legal proof bearing contracts and agreements that I have done business with them and none of these collection companies have done so.Matter of fact the companies couldn't even provide a computerized statement like most of them do. Equifax is violating the law by continuing to report these inaccurate fraudulent accounts. Equifax is even reporting the same accounts twice which I know for a fact is in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.

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