BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-19
Company: National Recoveries, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of Fraud and I need to know if Nation Recoveries INC has a copy of the contact that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of  Education. I dispute this account as not being accurate! I will be contacting the Ombudsman Group with the proper information. Please CEASE AND DESIST. T

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions 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:
Dear CFBP I am filing a complaint against Experian for failing to conduct a proper investigation for XXXX   XXXX Account Number XXXX. I have sent multiple letters about the blatant errors this account is reporting. I sent a final letter very specifically detailing the errors contained in their reporting complete with credit reports showing the account reported differently on other bureaus. I got notification that they had completed the investigation today so I pulled my Experian report. Unfortunately, they did not follow the requirements of the Fair Credit Reporting Act ( FCRA ) as the status of the information shows it hasnt been updated since XX/XX/2019. So how can they say an investigation was done in XXXX? They also did not address any of the errors I pointed out or provide any documentation. I am requesting that you compel Experian to delete this account from my Experian report as it clearly does not meet the requirements of the FCRA of being accurate and consistent and they have not met their legal obligations. 


Thanks for you help in this matter, 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 2019-04-02
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX XXXX ran an unauthorized check of my credit report. My cellphone is registered through my company and somehow they ran credit inquiries without my authorization. 

XXXX XX/XX/XXXX Utilities And Fuel XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/XXXX Utilities And Fuel XXXX   XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I availed of the Secured Card service from Bank of America Financial Center at XXXX, Connecticut. Their branch address is XXXX XXXX XXXX, XXXX, CT XXXX XXXX Its a Debit Card which required me to deposit XXXXUSD of which i believe XXXXUSD has been set as the credit limit and XXXX USD as security deposit. 

Me and my daugther came back to the US on XXXX XXXX, 2014. i first experienced the issue of not being able to use my card and the online banking days after we arrived. After experiencing more of it i started to call them and made several calls to their costumer service hotline to inquire about about the problem, but the service representative 's answer is that they are not authorized to handle the problem. So i went to the branch where i opened the account and asked them for the reason behind the issue i was experiencing but they told me that only the credit department can resolve this. I made several successful calls with their credit department but they too could not explain why i could n't use my card and online account. It took several months until i finally decided to close the account. I remembered being refunded my security deposit. 

A couple of weeks later i saw a zero deposit promo from XXXX XXXX XXXX XXXX if you open a savings account with them. So i met with one of their account managers, as one of their requirement they told me that they have to run my credit history. so i agreed. This is the very reason for my complaint - the credit history contained a report from BOA - " Gross Abuse of the account " and that it says that i have a balance of 200 something. Right after i saw the report and being denied of the service, i went to the nearest BOA branch in XXXX CT. I asked them if they can check their system if i have an outstanding balance, the teller check but she could n't find my account since i already closed it weeks before. I was hoping to get a collection notice from BOA but not a single one came and yet everytime i call their hotline they always say that they ca n't handle it since i no longer have an account with them. It is because of this report that i was not able to open any account from any banking institution since 2014. Until this time no one from back of america can answer me why i have that comment in my credit report. I should n't even have any balance since it was a debit card, and i why was i refunded of my deposit if i had an outstanding balance.

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 2019-07-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There have been 3 occasions in the last 18 months where I was charged with a late fee, one of which was dismissed, the other two were not. There is a pattern here that I find disturbing. Every month I mail my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CA ) and Comenity ( XXXX XXXX XXXX, XXXX XXXX, TX ) at the same time as they are both due on the XXXX of the month. The receipt of payment for the two companies is interesting : XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$25.00}, not dismissed upon contacting Comenity ) XXXX and Comenity Sent XX/XX/XXXX XXXX received XX/XX/XXXX Comenity received XX/XX/XXXX ( late fee {$34.00}, not dismissed upon contacting Comenity ) The post office tells me that the delivery to XXXX XXXX should be 3-5 days. My online research has indicated that Comenity is highly reported to charge late fees inappropriately. I find it very concerning that no matter when I send payment, it posts a shortly ( 2 times, 1 day ) after the due date. 

Since I am a semi-retired senior who is on a limited income and who values my credit rating, I will not be doing business with Comenity again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: AES/PHEAA
State: MA
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:
I have been receiving bad information about a set of student loans that are being serviced at XXXX XXXX XXXX. Four years of payments that I have made to XXXX XXXX XXXX have been incorrectly applied. Therefore, the more that {$5000.00} in payments that I have made during this period have not gone towards my loans. This misappropriation of funds has brought down my credit score from the 800s to the low 600s. This problem with XXXX  XXXX XXXX has directly led to the drop in credit score and is preventing me from consolidating the loans with an private company. 

I obtained proof from XXXX XXXX XXXX that the money was received by XXXX  XXXX XXXX, in what was called a XXXX document. It has taken more than 2 months for the company to solve this problem and I call every week in to attempt to solve it, but am still unable to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: IL
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:
CRA is in violation of several consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a student loan with American Education Service. The lender has been increasing my payments each month for the last 8 months. The monthly payment has not been the same each month. Back in XX/XX/XXXX my payment went up from $ XXXX/month to {$270.00} that month. I called and asked why the payment was raise. At that time I was unemployed and asked for the payments to resume back to the {$100.00}, they did. But now the payments went up again to {$130.00}. I have contacted them and asked for a future monthly repayment schedule and all they tell me is that they will send a past payment history. Next year they tell me my monthly payments will be {$400.00} - {$500.00} per month. Why? All I've asked them for is a future payment schedule so I can budget my monthly expenses. They also tell me that there is no loan forgiveness like teachers or people who serve in public services get. I am a retired XXXX/XXXX XXXXXXXX  of a 10 year service. I left the force, relocated to go back to school, but I do not get any forgiveness on my loan. Why? I went back to school for a degree that I have not got use since graduation in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, 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:
Equifax is preventing me from doing my on-line complaints due to a glitch they refuse to fix. this is hindering me from moving forward with purchasing a home or opening other credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
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 applied for an auto loan with XXXX XXXX today XX/XX/20 and unfortunately, I was not approved because there are two accounts negatively impacting my credit. The accounts are from a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened any an account with either of those companies nor did I ever give them permission to run or access my credit information. I did not allow anyone to open accounts with these companies in my name and I have already reported these accounts to the police. I did not benefit anything from these accounts being opened in my name without my permission and I did not contribute to any payments made towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I closed account and been paying the balance as agree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
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: Old information reappears or never goes away

Complaint:
I have requested multiple times to have a personal statement that I added to my Equifax credit report removed. 

I have tried numerous times via Equifax 's website and I have sent ( 2 ) certified letters to have the statement, that I added, removed. 

This has been going on for nearly two years. Please remove the personal statement. 

What I am attaching is the " proof '' from the second certified letter I sent them. The first letter was sent in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Theres a personal loan with Oportun reported on my credit with a poor payment history that does not belong to me. Account was opened in XX/XX/2019. Due to the person not making the payments this loan is now in my collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
SunTrust are offering a sign up bonus of up to {$300.00} on their checking accounts when you use the promotional code XXXX : Earn {$100.00} for opening the Essential Checking Earn {$200.00} or opening the Select Checking Earn {$300.00} for opening the Signature Advantage Checking You also need to complete the following requirements : Deposit at least {$100.00} within 14 days of account opening Complete at least {$500.00} in direct deposits within 60 days of account opening Make at least 10 debit card purchases wihtin 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- - I opened the Signature Advantage Checking account in the branch becuase online was not working. The Suntrust rep assured me that I was eligible for the bonus. However now when I call them they tell me I am inelegible for {$300.00} bonus.

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 2019-07-19
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: Information belongs to someone else

Complaint:
I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to XXXX XXXX XXXX credit agency and they have been harassing me and falsely reporting on me 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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to XXXX & XXXX credit agency and they have been harassing me and falsely reporting on me 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 2019-04-02
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018 I was suspended by Checkr , Inc through XXXX because of my background report. However, what was reported is not accurate and it directly affects my life through work opportunities and economical funding. I am asking that Checkr provide me a dispute reference and also recheck my background for accurate results. They reported that I have charges and citations that are not on my record. I am definitely in need of getting things in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
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:
HI THERE, I FOUND FRADULENT BANKRUPTCY ON MY CREDIT REPORT. 
NEXT THING I DID WAS ... I CONTACTED TO COURT AND RESPOND WAS THAT THEY DONT HAVE ANY FILE UNDER MY NAME, WHICH MEANS THAT THE BANKRUPTCY IS FRADULENT. 
I TRIED SO HARD TO SOLVE THIS ISSUE WITH CREDIT REPORTING AGENCIES, XXXX  AND XXXX  BLOCKED IT, HOWEVER THE EQUIFAX IS REFUSING TO INVESTIGAE MY CLAIM EVEN AFTER I SENT THEM FULL POLICE AS WELL AS FTC REPORT. 
AS A LAW ABAIDING CITIZEN I AM ASKING FOR YOUR HELP TO MAKE THE EQUIFAX TO OBEY THE FCRA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
In TransUnion recent letter dated XX/XX/2018 they stated that the Items were verified, but as you can see in the attached copy of my before and after credit Report, it clearly shows that XXXX couldnt verify the Items and were deleted. I would like to know how you verified the information listed in the attached letter named TransUnion 6 ( which is my 6th letter trying to resolve this matter ) when it is clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

Please see attachment letter and files for the items Please provide me with the following information within 15 days : Proper valid documentation required by the FCRA Or delete this misleading information.

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 2018-01-12
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am aware of the child support being on my credit report since Ive jus been notified that my credit score has changed.. So I looked and I see a Wal-Mart/ credit report and I do not even have an account or anything to do with the Walmart credit report.. Would like to dispute this case because I am not aware nor knowledgeable about this credit report I know have on my case for Wal-Mart

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on Transunion I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation