BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: MS
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:
As a consumer, I have sent numerous certified mail disputes as well as completed several strong factual disputes of errors reporting incorrectly on my credit report and requested deletion of these accounts due to these inaccuracies. Accounts remained on my credit file. I sent in 2 method of verification letters for an explanation on how these accounts were verified as accurate and whom they verified the information with. They had 15 days to respond with that information but due to the pandemic I allowed extra time. I recieved dispute results today with the same errors and FCRA violations being reported previously. Clearly there is no human investigation going on and that this process is automated. As a consumer, my credit file is supposed to be 100 % complete and accurate. I would like to demand that the following accounts being reported incorrectly be DELETED from my credit file IMMEDIATELY. 

1. Dept. Of Veteran Affairs ( 3 accounts ) because method of verification was never recieved, notice of dispute never entered for the account with a high balance of {$2700.00}. That same account is reporting as 120 days late which is inaccurate due to payment being made on XX/XX/2021. These accounts are not reporting the same date of last payment or account rating info across all 3 credit reporting agencies, and accounts show late payments reported when the accounts were a collection, there was no contract or agreement ever signed for these debt amounts. Request creditor provide the contract with the monthly terms and payment due dates to prove I was late. Please delete these accounts immediately from credit file due to these blatant inaccuracies.

3. Dept. Of Ed/XXXX ( 2 accounts ) because requested method of verification was never recieved, account is missing notice of dispute status, Both accounts are reporting 90 day late payments with no prior 30 or 60 day late payments immediately prior. This is a FCRA violation. Proof of missed payments never supplied by Equifax. Please delete all these inaccurate late payments immediately! Per FCRA E OSCAR verification is not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/2021 approximately XXXX XXXX  I, XXXX XXXX received a phone call from a number from Wells Fargo Bank. The individual introduced himself as a Wells Fargo Employee and proceeded to explain that my account had received some suspicious activity. After verifying my account by asking me personal questions and sending me text messages to my phone he was able wire transfer {$5000.00} dollars to another account. I immediately hung up & called Wells Fargo to report the activity but was ultimately denied by Wells Fargo.

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 2018-03-24
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXXXXXX cra violation no knowledge of this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Navient Solutions, LLC.
State: PA
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:
1. I immediately filled for IBR immediately after President Obama 's State of the Union in XXXX. I am a XXXX and was told that after 120 payments my loan would be forgiven. Under the new system we were allowed to claim as far back as 2 years. So I filed with XXXX XXXX at the time. XXXX XXXX. 

2. Navient purchased themselves ( XXXX XXXX ) and I was informed nothing will change but the name. So I paid my loan as prescribed under IBR sometimes {$0.00} and each year provided proof of income. 10 years meant that inXX/XX/XXXX I would be free of these loans under IBR and when I inquired I was told I had only been in IBR 3 years. Which is not true. I asked for the loan forgiveness and was lied to by NAVIENT. 

3. So I filled again for IBR well before the deadline of XX/XX/XXXX I waited and then in XXXX I received a notification that my IBR was approved for {$840.00} per month. What? So I called NAVIENT on or about XXXXXX/XX/XXXXand was told by the representative that I need to resubmit the IBR form and current pay stubs. So I did online. I was informed that it would take XXXX days. 16 days passed and no communication. So now I am coming up on the payment for XXXX. It is mid-month so I resubmitted the forms VIA traditional Fax. Again waited ... 11 days. No actin and NO communication. So I called Navient on XX/XX/XXXX. 

4. I spoke with XXXX XXXX and he informed that since the loans are under my ex-wife 's name and she is a teacher making very little we qualify for PAYE or REPAYE and need to make XXXX payments -- see above. So I said okay let 's do this. I repeatedly asked him to make sure that this is for account number xxxxxxx. He kept shrugging it off then said I just need a payment of {$740.00} on a credit card. I figured okay this must be to satisfy my payment. Then he tells me XXXX will be taking care of me and we will be on the PAYE plan. 

5. I keep receiving e-mails from the XXXX XXXXXXXX XXXX XXXX and XXXX. In the meantime NAVIENT is hounding me for the XXXX payment. I contact XXXX and they tell me it will be 6-8 weeks until the loan is under PAYE/REPAYE. So I wait. 

6. I fax ( phone ) NAVIENT explaining what is going on and they put my payment at {$0.00} as administrative forbearance. 

7. TODAY XX/XX/XXXX I received a letter from Federal Loans telling me I do not qualify for the consolidation since NAVIENT has placed my loand in consolodation as IBR. Sooooooo here I sit having paid an enormous fee via NAVIENT, through their rep -- XXXX XXXX, and am NOT receiving what I am paying for. I was scammed and now XXXX XXXX and XXXX have my money with no results and I am on IBR again and not PAYE/REPAYE. 

This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 checked my credit report and noticed the capital one card reporting, however I was XXXX during the time of the opening of the account in which this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Reliant Capital Solutions, LLC
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Borrowed {$8400.00} to go to college. 
XXXX  XXXX. 
Paid Student Loan in good standing {$120.00} a month from XXXX. 
XXXX  XXXX XXXX XXXX job in XXXX during the downsizing. 
Assumed that loan was in deferment. 
It was not. 
Several failed jobs for 2 years_company doors shuttered in my face without paying me. 
Sold everything. Moved to XXXX. Got 2nd hand car. Got job at a XXXX XXXX XXXX in XXXX. 
Lived in the employee dormitory at the XXXX XXXX XXXX. 
Got full time at XXXX XXXX XXXX, 3 years later. 

VOLUNTARILY picked back up Student Loan Payments. 
Was told by a Representative of the Dept of Ed., that if I made 12 straight monthly payments of {$120.00} a month that my Student Loan would come out of default. 
It did not. 
I paid {$120.00} a month from XXXX - XXXX and the loan never came out of default.

Economy Crash. 
Lost great job in XXXX XXXX. 
Bankruptcy XXXX. 
Lived at an  XXXXXXXX XXXX where I got a roof over my head & food, a little pocket money for 10 years. 

Now my Social Security is being garnished when I became eligible to collect it. 

I paid approximately {$8600.00} on the Student Loan from XXXX when it was in good standing. I can not contact the Dept of Ed directly to get an exact amount. 

I paid $ XXXX in VOLUNTARY PAYMENTS + Tax Refund offsets from XXXX. ( I have the print outs ). 
TOTAL OF {$23000.00} paid for borrowing {$8400.00}. 

Enough is enough. They still want $ XXXX more dollars. I can't contact the Dept of Ed directly_only the Collection Agency.

I feel like this loan is paid 2.5 times over and they still come after me. I have {$750.00} a month to live on after their garnishment.

My credit score went back up recently & I know that wouldn't happen IF I STILL OWED THE GOV.

The Govornment has crashed the economy twice in 20 years and now the PANDEMIC. 
They give out free PPP  money_BILLIONS OF DOLLARS in loans that don't have to be paid back by businesses that could have weathered this storm with their own resources instead of draining the Treasury of tax payer funds. 
Yet_they garnish my only source of income & I have to live on {$750.00} a month. 
I've paid them {$23000.00} for an {$8400.00} loan & they won't relent. 
There is something basically wrong here. 

Legal Aid told me I had to pay it or die whichever comes first. 
I told them that I think it is paid 2.5 times over. 
They dont agree. They say pay it or die. 
What is wrong with this country? 

Its not like I borrowed {$100000.00} for a vanity degree & reniged on payment because I work at XXXX XXXX. 
I HAVE PAID A LOT OF MONEY FOR AN {$8400.00} LOAN ALREADY. 
IT'S A MORAL ISSUE. 

Any help appreciated. 

Companies involved> Dept of Education Reliant Capitol Solutions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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/XXXX I sent copy of documents via tracking and promised to receive by XXXX in 7 working days It is XX/XX/XXXX and XXXX has NOT received envelop I will send again via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Experian Information Solutions Inc.
State: MI
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 pulled my credit reports and it shows under names that I use XXXX XXXX.I never use that name and never will use that name.Therefore, this info is incorrect and needs to 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 non-monetary relief
Consumer complaint received 2019-04-22
Company: NPS GROUP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received numerous voicemails and am typing verbatim the message left. 

" This message is intended for XXXX XXXX ( spelled wrong ) my name is XXXX XXXX ( False name ) with XXXX XXXX Customer Service. I'm calling regarding some paperwork that I received in my office yesterday under your name and social security number. You do need to be advised that I have request to place on my schedule a certified notice of intent regarding civil pending claim being filed against you. So before I saw your residence or even your place of employment I'm giving you a courtesy call to inform you you will be placed on my schedule to serve. All questions concerning this matter you need to contact XXXX. Refer your claim number XXXX. 
The number referenced is different than the number called from which is XXXX I called back spoke with a person who identified herself as XXXX. I asked for documentation as I was unclear what she was talking about. Her response was I would get the info in court. Out of fear I paid this woman {$100.00} which I will never get back.She also stated there would be a {$120.00} processing fee. She stated she would email a credit card authorization form to me which she did not. I had to change bank accounts and am just trying to warn others. This company is not legitimate.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-22
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On or aboutXX/XX/XXXX I have obtain a loan from Sunset Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX  their corporate office is located at XXXX XXXX XXXX XXXX XXXX SC XXXX. I was trying to pay off my loan on XX/XX/XXXX. Although i borrowed {$580.00} after merely four weeks I was told that I have to pay {$300.00} extra. I repeatedly asked them to break down the {$300.00} charge on {$580.00} for four weeks, i failed to get any satisfactory answer for their local office later I contacted their Corporate office still did not get a clear ide for {$300.00} charge on {$580.00} for four weeks. It appears that they have sold me some insurance that i did not want or added some fees I am not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
On XX/XX/XXXX, Bank of America N.A. Closed 2 of my Long term Credit accounts which I have had with the Bank for over 5 years. I received a letter in the mail a few days following detailing the reason why this action was taken. In the letter I received, Bank of America claimed that due to my action of adding " Authorized Users '' onto the account I was subsequently shut down because of this action in line with other " Economic Trends '' I have been a customer with Bank Of America for over 5 years now, since high school as a matter of fact. It was my first credit card with the bank which also was the longest running credit line in my credit profile. I called the Institution to question their motive when this decision was made. I was not given a specific reason despite my long tenure with Bank of America. Aside from the frustration, One of the cards is supposedly still open with the bank however, I can not use the line of credit, Will have to pay interest and fees yet the product itself is unavailable for me to use! 

In they're terms Of Service agreement, Bank of America States you may have up to 10 Authorized Users on a given account. I did not have no where near that number yet the bank decided I was too much of a risk despite my long history with the institution. 

It is woefully ignorant in this modern age for a Bank of this stature to not even so much as Call or text the customer given this decision. I am at a complete loss as to why this bank would do this when I have never had a single late payment and never have had any other issue in the past.

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 2018-03-21
Company: CITIBANK, N.A.
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 AM XXXX XXXX AND ABSOLUTELY XXXX XXXX XXXX WHEN OVERSEAS OR WHEN HEADSETS OR WHEN AN INTERNET OR IP MULTI LINE SYSTEM IS USED. I AM FORCED TO YELL. 

RECENTLY, MY CREDIT CARD HAS BEEN CLOSED AND I KNOW FOR A FACT THAT IT IS DUE TO MY XXXX, YET CITI CARD TELLS ME THAT THEY ARE ALLOWED TO CLOSE MY CARD AT ANY TIME AND THAT IT IS ALLOWED AND THY DO NOT HAVE TO GIVE ME A REASON AND NOW BECAUSE I AM XXXX   AND XXXX XXXX XXXX I MUST PUT ALL IN WRITING. 

THEY HAVE TOTALLY DISCRIMINATED AGAINST ME TO THE EXTREEME AS MEDICALLY THIS SHOULD NEVER BE DONE AND CITI CARD HAS BEEN TOLD THEM AND HAS RECEIVED LETTERS FROM MY DOCTORS SAYING THIS ALSO. 

TO CLOSE MY ACCOUNT DUE TO BEING XXXX XXXXXXXX AND NOT WILLING TO ACCOMODATE A XXXX PERSON IS SICK. THAT IS EXACTLY WHAT THEY HAVE DONE TO ME AND HOURS JUST TO GET A PERSON WHO I CAN XXXX AND MORE. 

I AM TOLD OVER AND OVER THAT THAT NO ONE HAS HAND HELD PHONES EXCEPT SUPERVISORS. SEVERAL SUPERVISORS HAVE ALSO REFUSED TO MAKE SURE I CAN XXXX. 

YES, MY CARD WAS CLOSED DUE TO MY XXXX AND I DO KNOW THAT IS TRUE. 

I PAY FAR AHEAD, AND AM ALWAYS ON TIME ALSO, SO IT IS MY XXXX   THAT UPSETS THEM AND NOW THEY THINK THEY HAVE A RIGHT TO CLOSE MY CARD DUE TO NOT WILLING TO ACCOMODATE 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 2020-05-04
Company: Experian Information Solutions Inc.
State: MD
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:
My original lender was XXXX XXXX up until XX/XX/XXXX XXXX is reporting that I was 120 days past due on my account with them in XXXX, XXXX of XXXX this is clearly Im accurate Im asking they remove the account from my profile as I have never sign any agreements with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/XXXX I received a letter from XXXX XXXX XXXX attempting to collect on an debit owed to their client " Wells Fargo Bank ''. In a review of the letter and having prior knowledge that I was a victim of identity theft due to a home burglary I immediately contacted vie phone to notify the company of my dispute. In addition I wrote a formal letter including a copy of the police report and affidavit of forgery outlining the position of law enforcement and the ongoing fraud I was enduring. 

Subsequently, on XX/XX/XXXX I received copies of a bank statement from their client showing the incorrect address of record, incorrect phone numbers, and in addition they included a copy of a signature card with an invalid personal signature. Moreover, in my previous letter to this organization I explicit requested a photo identification validating any such claim which went with no vial. 

In closing, the company in question has violated the Fair Debit Collection Act and failed to provide any of the requested documentation. In addition the named collection agency has failed to accept a notarized police report and signed affidavit 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 non-monetary relief
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, 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 2023-05-31
Company: Self Financial Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have Self Finanancial inc that i paif off the account is still in my credit. Try to dispute numerous time, asked for the original creditors, no respond.

Company response to consumer: Closed with explanation