BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
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: Account status incorrect

Complaint:
On XX/XX/18 my XXXX card was reported as lost. XXXX closed the card ( card number was the account number ), my credit score dropped 102 points behind this. Although XXXX  has sent in an early credit history to Equifax, my credit score only went back up by 20 points. I was in the process of buying a home and this affects me tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: NC
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 was unaware of the said debt and was not notified about the debt. The debt appeared on my Equifax credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither Equifax nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. Equifax responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from Equifax or the collection agency. This account is reporting negativley on my Equifax report and causing me credit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/20, through the complaint process with the CFPB, I reported and reasserted to Wells Fargo Bank that fraud was committed on my closed checking account. I provided all of the information that I have regarding the matter, including my account number, the dates and amounts that were stolen to the extent possible, and what I believe happened. Wells Fargo Bank has yet to address the issue. They should have began an investigation at that point, and should have completed their investigation within ten days. If they needed more time, they should have informed me of such a decision in writing. I have provided the information to them in writing as requested on several occasions. I would like to know what their determination is, how they made it, when they made it, and ask if they have followed Federal Regulation E regarding this matter. I would like my rights under Regulation E to be enforced. I believe Mr. XXXX XXXX would be the contact at Wells Fargo. This matter should have been completed no later than 45 days after I made them aware of the matter. It has not.

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 2019-07-17
Company: Square Inc
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Cash App : XX/XX/19, XX/XX/19, and XX/XX/19 Im very upset about cash app team that closed my account while I have the available balance that I need to get the money out for me to pay my bills and now im Stuck with no way to transfer or sent money to someone to withdraw money for me while card blocked. It need to be unblock the card and my options that they need to set up a live customer support for repairs and disputes and other like tech to use phone call and live chat. I been struggling to find a customer support to communicate more fester email take forever to reply and I havent got my questions answered by the team, they have no rights to ignore my situation. 

So now I need the card to be unblock it so I can use my debit card which Its not expired yet. I need to have card back on today for me to withdrawal money. 

Another reasons they should give us few days warnings before close the account so customers included myself will know and be prepare for next step to transfer or repairs for the accounts. 

All of prepaid companies need to do same and change the policy and have a customer service XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Since XX/XX/2015, have been trying to get this removed off my credit my spouse had filed Chapter XXXX XXXX XXXX XXXX XXXX this had went to a Collection agency XXXX XXXX /XXXX XXXX for 3 years been filing complaints and trying to get this removed / deleted off my credt the other reporting agencies had closed this account that was in collections except for Experian

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 2018-01-19
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We are currently living in a hotel situation vouchered, we been threatened with the selections ive made including damage to credit, future locations and privacy. 

We have filed for bankruptcy, and do not have any money or discussion with anyone since XX/XX/2012 on how we can altleast get out of the violence from tbe housing crisis On numerous occasions including today, we have no resilience against the money received and recently stolen from us from a place were we only use for luggage sleeping bags and food storage. 

We had about XXXX stolen from us in just seconds. 

No reciepts no identification, harrassed hassled in public and private area were we pay for privacy ... each address is never kept safe of confidential, no cooperation on anyones part. 

XXXX California, we currently are working on changing our unit but each time there's an issue with controversy. 

I would appreciate if atleast someone can help us get the money from those who stole it, while were we only using places for sleeping bags, luggage storage and food storage. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit report notification for a new account and it was a debt collector. Not only have I never received a bill from the original creditor for any amount owed. I never received a notification of this debt from the debt collector therefore I could not dispute this debt. I am very certain I do not owe this debt as I have never received any bill, nor notification. Furthermore I believe this violates the Fair Debt Collection Practices Act section 15 U.S. Code 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Information belongs to someone else

Complaint:
on XXXX/XXXXXXXX21 I sent a dispute lettet in explaining the incorrect and in accurate information on my consumer report, as of today nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Their investigation did not fix an error on your report

Complaint:
TRANSUNION is fraudulently reporting a public record on my report. I have contacted the third party company they state they verified with. This company XXXX says this information was not verified and has been deleted from there data base. I have contacted the court listed on my file who states the same thing. I have requested both by phone and by mail that an investigation be done and this item removed. Transunion continues to send only credit reports. Since XX/XX/21 I have received XXXX reports. None of which show proof of an investigation or permissible purposes for certain items listed. This public record is intentionally being left on my file. Pursuant to the FCRA Cras have an obligation to investigate and report verified information only.

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 2018-01-19
Company: Uber Technologies Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I 'm an XXXXXXXX XXXX with an XXXX XXXX XXXX. 

XXXX/XXXX/XXXX While eating lunch, a person started taking pictures of my car. I asked why, he replied " it is n't your car. '' He continued to take pictures, got into his car, and began to leave. I took his picture and license plate number, as I felt threatened. 

XXXX/XXXX/XXXX The CA XXXX informed me someone had paid for my cars registration and the tags had been sent to that person. 

According to my lease agreement I am responsible for that type of payment. 

I 've tried to get in touch with the XXXX XXXX XXXX with the email information they 've given me and the addresses are no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following accounts being reported by Experian are fraudulent and do not belong to me. I have tried to dispute these items twice and they have verified them to be mine through an incomplete investigation. XXXX and XXXX have already removed these accounts from my record after verifying they are not mine : XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXk XXXX Account # XXXX 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 2018-01-19
Company: AES/PHEAA
State: VA
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:
When I enrolled in the Public Service Loan Forgiveness ( PSLF ) program, all of my loans were not consolidated ( some were not able to be counted towards PSLF ). I was not told that consolidating would re-start my clock in any discussions with student loan customer service agents, so I held off on doing so. I consolidated once I realized, but it cost me roughly two years worth of payments towards PSLF. I tried to rectify this by contacting the Ombudsmen Group. They did not move forward with the case. 

AdditionallyXXXX XXXX XXXX XXXX is stating I have 4 months of payments/non-payments that do not qualify for PSLF. I had to restructure my repayment plan during this time, as they switched from Direct Loans to XXXX XXXX XXXX, and I can not afford the Standard Plan. I questioned why these are not on my qualifying payment " clock, '' and they are currently under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from XXXX XXXX at 5th 3rd but I am unsure what it is a response to and is very confusing to me. It seems to be a threat about our rebuilding our home and mentions a home we no longer had a contract for. It is all confusing and I do not knw what to do or who to contact since I am not allowed to contact the bank due to criminal complaint. I also can not log into any bank account or insurance account or anything to do with XXXX or the claims funds. I have not been able to log in for a very long time and am unable to submit documents until the criminal complaint has been removed. I do not want to lose my home due to 5th 3rds discrimination due to my XXXX. I have asked for access but the XXXX says I can not contact the bank. I have no place to submit documents except here and the documents they request are too large to file here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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: Investigation took more than 30 days

Complaint:
I submitted a dispute with experian XX/XX/2021, experian did not respond until XX/XX/XXXX which means their response has been over 30 days. I tried to dispute and experian refused to remove from 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 explanation
Consumer complaint received 2021-12-07
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: Investigation took more than 30 days

Complaint:
Under FCRA law the investigations took more than 30-45 days and I haven't been notified of any results of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Currently XXXX XXXX Military. Loans were in deferment tried to get the loans on income base repayment. Navient continue to only put them in differment causing XXXX in interest as well as this loan which is in the amount of XXXX is continuously hurting my credit score and the lender is very difficult to work with every time I look my balance is going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I was checking my credit report and I noticed a collection account which I attached a copy of below XX/XX/2021 I did not open any such account I don't even know what this is I disputed it on XXXX XXXX  they gave me a result that it was verified which is impossible again I've had no communication from this company again I don't even know who they are or what this is and I did not open that account XX/XX/2021 SPRING OAKS CAPITAL LLC Last reported XX/XX/2021 {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Original creditor name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 email communication from Capital One on XX/XX/2019 that my personal credit card account was closed due to inactivity on XX/XX/2019. I called Capital One on XX/XX/2019 and I spoke with a senior account representative who told me the account was first marked for closure on XX/XX/2019, and because over 30 days had passed since that time I am now ineligible to ask that the account be reinstated. My issue is that I did not receive any information from Capital One that the account was going to be closed within this 30 day time frame, and only heard from Capital One on XX/XX/2019 after the account was officially closed, therefore giving me no opportunity to request that the account remain open. As a result, this, my oldest credit account is now closed, my available credit is decreased, and as a result my credit score is negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I completed a loan modification a few years ago and i still paid the minimum payment on my account. The company reported that i was late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Bought a XXXX XXXX and went through Toyota Financial XXXX XXXX, XXXX. The pay off date was XXXX XXXX, XXXX. I told them that I usually pay off loans early and asked if there was a pre-payment penalty and they said no. I paid it off in total XXXX XXXX, XXXX. I called and asked when I would receive a refund since I was unable to reach them for a pay-off amount due to holidays and so just paid the full amount. The first time the lady actually said I did not " deserve '' a refund and the second said they prorated my bill. I received an amount for the total payoff for 5 years and paid it in total. I read through my contract and found a clause c. that states " How late payments or early payments change what you must pay. We base the Finance Charge ( FC ), Total of Payments ( ToP ), and Total Sale Price ( TSP ) shown on the assumption that you will make every payment on the day it is due. Your FC, ToP, and TSP will be more if you pay late and less if you pay early '' I went to the dealer once and they said they have nothing to do with Toyota Finance even though they are XXXX XXXX XXXX XXXX XXXX and I got the loan there. I went back a second time with all my paper work and they checked to see if I had any warranty that needed to be cancelled. But could not help. I have called twice more and been hung up on. Please help me. I have never had this happen before and have always received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status.

Originator Creditor FEDLOAN Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX Balance, XXXX Past due. Report Date 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 2021-09-07
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:
U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status. 

Originator Creditor XXXX Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX XXXX, XXXX XXXX due. Report Date XX/XX/XXXX. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: MS
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:
The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX - fraud, XXXX XXXX  XXXX - fraud, XXXX  - fraud, XXXX - fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX - fraud, XXXX XXXX XXXX - fraud, XXXX  - fraud, XXXX - fraud.

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 2021-12-07
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation