BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
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: Their investigation did not fix an error on your report

Complaint:
We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment. 

Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. 

We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. 

This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. 

We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: CA
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 have wrote a letter to XXXX, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XX/XX/2018 Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off 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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2022-11-22
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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 is missing that should be on the report

Complaint:
Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in XXXX days. It has now been XXXX days and no response

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 2018-03-06
Company: EQUIFAX, INC.
State: VA
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:
While checking my Equifax credit report I came across several hard inquiries that I DID NOT authorize. 

These are three of the ones that I did not authorize. Oddly, they all have the same date All of these have the same date of XX/XX/2016. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: VA
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 XXXXXXXX XXXX attached insurance to my loan which was supposed to pay off loan ( no deductable ) should anything happen to the car. They never gave me the policy info. On XX/XX/XXXX the car was hit by a drunk driver. I immediately told the bank and it took 3 calls to get the insurance info. 10 days later the Insurance company stated that the loan would be settled and I did not hear from the XXXX XXXXXXXX XXXX again. When I applied for a mortgage this past XXXX we found XXXX XXXX XXXX was reporting me as 180 days past due. I called them to find out what was going on and was told they would have me talk to someone else ( who never called. A few days later, while waiting for the call, they notified Experian that it was a charge off, then notified them again in XXXX of XXXX that it was a charge off. So instead of having been shown as paid/closed in XX/XX/XXXX like I was told it would be now it shows on my credit as 180 days past due with 2 charge offs. since then no one at bank will talk to me or return my calls. If the insurance did not pay off the loan the bank misrepresented or lied about what it would do, which is illegal. Insurance should have been paid within 30 days according to the Virginia department of Insurance! Failure to contact me about the loan violates Banking industry protocols and legal guidelines. I want my credit report fixed to show this loan was settled back in XX/XX/XXXX with no charge offs!!

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 2019-11-07
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Our company purchased Thousands of dollars worth of Amex prepaid gift cards ( physical, not " e '' cards ) in XXXX of 2021 from Amex online. Many of the cards were not distributed to our employees until recently. When the cards were taken out of their envelopes ( sealed by Amex ) the balances were depleted ; for example a {$2000.00} card had a {$28.00} balance left. 

Hours have been spent on the phone with the AMERICAN express call center in XXXX ; where they read you scripted responses repeatedly but basically just say that " Amex is not responsible. They told us to contact the vendors and dispute the charges ''. They are only able to supply some vendor information one $ XXXX charge was for an electric vehicle charging station in California another charge for $ XXXX lists a vendor as " XXXX XXXX XXXX XXXX XXXX XXXX '' ( no state ), it is impossible to contact vendors without contact information. 

Amex sold the cards and they are either compromised at their manufacturing plant or electronically through their processing system. These cards were in unopened envelopes yet they take no responsibility. I found a website online " https : XXXX '' that has 706 similar complaints. When you purchase a gift card and do not even open the package the full balance should be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My private student loans which were serviced by Navient fell into default when I wasn't able to make full payments. At that time Navient turned over my loans to XXXX XXXX XXXX a debt collector. Upon speaking to XXXX XXXX XXXX, I was able to negotiate with them a reduced interest payment plan if I paid {$400.00} per month. According to the letter they sent me I needed to make the following payments to get on the program {$200.00} on XX/XX/XXXX ; {$200.00} on XX/XX/XXXX ; and {$200.00} on XX/XX/XXXX then upon my receipt of the next {$200.00} payment on XX/XX/XXXX my interest would be reduced to 0.0010 % and would remain at that rate provided I continued with the agreed payments of {$200.00} biweekly. All of my payments were successfully processed and still my interest rate was not reduced. I spoke with XXXX XXXX XXXX in XXXX, XXXX and XXXX when I noticed each month the rate didn't change and they promised me each time the rate would change after the " next payment. '' I then called Navient who told me they could not help me other than to say they have no knowledge of this agreement and my interest rate was still 11.5 %. I called back to XXXX XXXX XXXX and spoke with Supervisor XXXX XXXX who also promised me they would fix the interest issue and backdate it. I spoke with Navient again on XX/XX/XXXX and they said the interest rate is still 11.5 % so I sent them documentation of the letter from XXXX XXXX XXXX to show proof of the agreement. I called XXXX XXXX XXXX today XX/XX/XXXX to find out they changed their name and the reps keep hanging up on me each time I tried to call. Navient has not responded back to me to date on the issue. I don't know what else to do. XXXX XXXX XXXX is still deducting the biweekly payments of {$200.00} from my checking account. Navient is processing the payments and each payment is going to interest nothing to principal balance. Meanwhile Navient is still positing to my credit that I am not paying on my loans. The mark is failure to pay each month. They have told me they will not stop the negative reporting even though I am making payments according to my agreement. Please provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am disturbed that TranUnion and XXXX  are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days of the response.

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 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
CREDIT CARDS ENDING IN XXXX AND XXXX WERE PAID IN FULL ON XX/XX/XXXX. ON XX/XX/XXXX CAPITAL ONE CHARGED AN ADDITIONAL XXXX & XXXX IN INTEREST. CONTACT EMPLOYEE ON XX/XX/XXXX SYSTEM WAS DONE, BUT THEY STATED THERE WOULD BE NO PROBLEM REIMBURSING THE INTEREST. THEY ASKED ME TO CALL BACK LATER. CALLED ON XX/XX/XXXX AND WAS TOLD SURE, WE CAN REFUND IT. AFTER LEAVING THE PHONE FOR A FEW MINUTES SHE CAME BACK TO SAY THE COMPUTER WOULD NOT ALLOW IT SO I AM OUT OF LUCK. CONTACTED AGAIN ON XX/XX/XXXX VIA ONLINE CHAT AND WAS TOLD EVEN THOUGH I SELECTED " PAID IN FULL '' THE INTEREST WAS STILL VALID.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28
Company: DISCOVER BANK
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 have been charged by discover for personal services THE SAME DATES AND TIMES IN TWO DIFFERENT COUNTRIES They ignore this fact every time we correspond. 

The dispute was found in their favor but HOW CAN THIS POSSIBLY BE THE CASE THAT I AM EATING AT A RESTAURANT IN XXXX XXXX WHILE SUPPOSEDLY IN A HOSPITAL IN ANOTHER COUNTRY, XXXX ... .. 

I have for YEARS tried to resolve this with discover. They have a different person respond to every communication who is not familiar with the case. 

I also offered a settlement and their response was contact this number which I told them does not work from the XXXX XXXX where I reside. They still do not provide a number for me to reach the proper office from outside the US. When I call the regular number they refer me around for hours until I am disconnected. They are making it impossible for me to resolve this and they refuse to acknowlege or do not respond to the main issue in the case - how can they find in favor of the fraudulent chages stating I was receiving hospital care in XXXX, when I am using and charging and living with use of the Discover card in another country for the same dates? After years of this, I demand any negative reporting be erased and that they accept my offer to settle for XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: SYNCHRONY FINANCIAL
State: FL
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:
The first issue is that I closed my account and there is a XXXX balance that they will not return. 
The second issue is that I filed two disputes for products not received, they want to credit my closed account but yet they will not return the current balance. The current disputes are : 1, {$2400.00} - for door purchases, never received the product, order canceled but bill wad paid in full 2 {$120.00} - for door handle purchased, never received the product, order canceled, billed paid in full. 

So, in total this company has been paid {$3800.00} of my money and they will not refund it. When I call them, i get the run around and still my money has not been returned.

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 monetary relief
Consumer complaint received 2022-11-21
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
HAF funds not being applied to account. Missing 2 months worth of payments.

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 2021-03-01
Company: DISCOVER BANK
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 had a hard inquiry on XXXX  that caused a 6 point decrease. Upon checking on it I found that on XX/XX/XXXX Discovery Financial SVC attempted to pull my file. I called Discovery @ XXXX and spoke to 3 different class of service providers and none can find my info under my name, ss, or phone number. I have zero accounts according to their records. XXXX  will not dispute without 3 letters, one of which need to be from Discovery, who can not write me a letter due to they have never seen info on me, or a police report, or FTC. When reaching out to FTC it send me here. So what do I do now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
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: Account information incorrect

Complaint:
I have requested a method of verification from Equifax XXXX XXXX on 3 Collection account bureaus refuse to deliver the message it is my right the account has been sold and paid for sale of the vehicle and XXXX XXXX does not have me in their system the information is an accurate on my credit report and Bureaus refused to remove the information or send requested METHOD OF VERIFICATION. 
ITS ILLEGAL AND THEY ARE NIT IN COMPLIANCE.. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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 is missing that should be on the report

Complaint:
To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.

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 2020-11-23
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:
I have discovered information in my credit report, which is not mine. I would like to immediately dispute and have investigated. I think that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

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 2022-10-05
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for Apple credit card with a promotion that applied {$100.00} credit if applied for card before XX/XX/XXXX and make any purchase within 7 days. 

Apple delayed approving card until XXXX and now says I missed promotional date. Will not apply credit. Note I did make immediate purchase per terms within 7 days. 

I believe I met their deadline in good faith and it was their delay which moved me past deadline. 

I even offered a {$50.00} compromise. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I want to make monthly installments with the company XXXX, but PNC bank will not allow me to link my account with their services so that they can automatically withdrawl the amount every month and therefore i can not buy the products i need.

Company response to consumer: Closed with explanation