BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I SETTLED THIS DISPUTED DEBT IN FULL PER THE PER THE TERMS OF PRA OFFER TO ZERO THE BALANCE AND REMOVE NEGATIVE CREDIT REPORTING. AFTER I PAID MY AGREED UPON SETTLEMENT AMOUNT THEY ARE ATTEMPTING TO COLLECT THE BALANCE OF THE ORIGINAL DISPUTED BALANCE AND HAVE NOT REMOVED THE NEGATIVE COLLECTIONS ACCOUNT FROM THE CREDIT REPORTING AGENCIES. THIS IS PURELY SIMPLE FINANCIAL FRAUD AND MUST BE PUNISHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Investigation took more than 30 days

Complaint:
I would like to file a dispute against Experian. I mailed out a letter on XX/XX/XXXX disputing collections, inquiries and information on my credit file. It is now XX/XX/XXXX and Experian has not responded. According to the FDCPA the items I disputed must be removed. I am also disputed 2 addresses they have on my file that are incorrect. 
1. XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX this is a non existing address period that is my home address with an apt number added. Experian remove this false address. 
2. XXXX XXXX XXXX XXXX, XXXX Ohio XXXX I have never lived at this address this is an Ohio address and my home is at XXXX XXXX XXXX XXXX NC. 
I have asked Experian to update my file many times this year to remove the multiple names they have listed for me, just written differently. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX current and only address need to be showing XXXX XXXX XXXX , XXXX NC XXXX. 
They have also added back a company they removed last year in XX/XX/XXXX which is XXXX balance XXXX, this is illegal. I have attached my credit report I pulled 4mthus ago which shows this company was not on there because they was removed. This is the only collection showing on my credit file with them, because I had to contact them about 2 other collections they removed last year and placed back on my report, which is reflected in the credit report I pulled 4mths ago. 
I have even spoken to a representative to have my name and address updated and was assured it was would be completed. When I sent off my letter on XX/XX/XXXX I asked again to update my name and address, to remove all the unauthorized inquires and requested Validation not verification and I also asked them to removed collections that was stilp showing on my account. I have n't received my response letter and according to the FDCPA the items must be removed.

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 2017-11-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX, 2017, Wells Fargo in XXXX, MN accepted and signed for a XXXX XXXX overnight pkg that contains 2 checks to pay off my 2 Wells Fargo accounts. One being a Personal line of credit with the check amount of XXXX and the other amount of XXXX. Wells Fargo has no knowledge of where these checks are to pay my accounts in full. I would like this investigated as I have already contacted Wells Fargo twice and have received no assistance with whom to contact to investigate this matter on my own. 


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 non-monetary relief
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I initiated a bill payment for {$2900.00} through my Ally bank checking account. I realized the recipient was incorrect and requested a stop payment on the check, which had not yet been cashed, on XX/XX/XXXX. Due to what they deemed a bank error, the stop payment was never applied and the check was later cashed on XX/XX/XXXX. 

I reached out to Ally on two occasions via phone and once via email. They took ownership of the bank error and notified me they would do everything in their power to rectify the situation. It is now XX/XX/XXXX and they have told me to contact the recipient myself to recover the funds. 

This is unacceptable. The bank has admitted fault and taken little to no effort to correct the situation.

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 2017-11-13
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I enrolled with XXXX for XXXX XXXX XXXX XXXX online program in XX/XX/XXXX, I wish I would have done more research and knew better. I continued the program and graduated in XX/XX/XXXX. I thought my student loan was going to be {$5400.00} turns out its over {$10000.00}. I have n't been able to repay any of it. I am a single mom, trying to provide the best life for my XXXX XXXX XXXX daughter. 

I have read articles about XXXX and Navient being a scam, and there is a lawsuit. I need help to identify if I am one of those students that were scammed. I was not able to become a XXXX  because I did n't get the education needed either through this college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on my XXXX credit report for derogatory remarks that were more than seven years old. XXXX removed two of these derogatory remarks. My XXXX score went from XXXX to XXXX on XXXX. I submitted the same disputes for Experian and XXXX. Both of these disputes took longer than 30 days. Experian and XXXX stated that " resolved, consumer disagrees '' This is of course incorrect as XXXX has correctly removed these remarks from my account. Not only that, my XXXX XXXX XXXX subsequently shot down from I think 696 or 712 down to XXXX. When clicking XXXX  " see what changed '' it stated " no changes were made. '' The only thing that was that there was a new remark on my derogatory accounts from over 7 years ago that the I disagree. It is past statute of limitations and should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One had a data breach. That has been established. Unauthorized purchases were from XXXX of around approximately XXXX And another for about XXXX some odd dollars were charged through XXXX, totaling approximately XXXX dollars. This occurred about a week ago. XXXX says the items were not purchased through my accounts. Capital One did credit my account a few days ago, sent me a new card, but now has put a new hold for the charges while they investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/XXXX, XXXX of XXXX I was charged Overdraft fee if {$35.00} each. 
All were ATM transactions. 
Deposit total from XXXX and XX/XX/XXXX was {$910.00}. 
Bank of America manipulated my checking to charge these fees. 
I disputed at the time and got no where. 
Total fees were {$170.00} I didn't have overdraft protection at all. 
They closed my account XX/XX/XXXX Put me in XXXX XXXX saying account abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Credit Protection Association, L.P.
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: Account information incorrect

Complaint:
I moved out of an apartment in XXXX in XX/XX/XXXX, where I was going to school, and took in all of the cable TV/internet equipment, and discontinued the service. All billing was paid timely. 

Many years later they are sending bills and have placed a collection item on my credit report. 

My permanent address, my telephone number, my email have not changed since XX/XX/XXXX. If they would have sent anything at the time, I would have eagerly worked to resolving or paying. 

They wait all of these years, until the records are all unavailable to throw this bill out there. They have offered nothing to validate this ; when asked, they simply send a letter saying the amount owed. 

If there are others with this same problem, I would like to do a class action lawsuit. Not for money, for relief. Companies should not be able to just bring up a 6 year old list of customers and send out bills to them, and not have to provide any documentation whatsoever to back them up.

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 2017-07-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX insurance charges of health and report not having paid hospital expenses,

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-07-08
Company: North American Credit Services
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I keep receiving a bill for XXXX from North Americian Credit which I do not owe. I also found out they are not allowed to do business in the State of Georgia. I have talked to them and to no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Navient Solutions, LLC.
State: NY
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:
My federal student loans are currently in in-school deferment. Some of them are in deferment until XXXX of XXXX, others through XXXX XXXX. Yet for years now I have been receiving inaccurate and misleading information from Navient that I have payments due each month. Everytime I log into Navient 's website, it shows a payment due date for the coming month. I also receive misleading and inaccurate information in emails from Navient saying I have a payment due next month. However, whenever I call the customer service hotline at Navient I am assured that my loans are in deferment, there are no monthly payments due, and that I should " rest assured. '' It is difficult for me to discern which information on their website is accurate and which is inaccurate. I have also tried to be proactive to prevent missing any payments or making any late payments. I have requested, multiple times, to set up autopay and link my current bank account so that in the event that a payment is due ( either in error, or because I was simply too confused by the inaccurate and misleading information on their website to understand that this time it really is due ) an autopay would take place. However, Navient continues to tell me that since my loans are still in an in-school deferment I can not set up an autopay. I have to wait until my loans come out of deferment until I can set up autopay. But everytime I log into the Navient website, it looks as if I am in danger of missing the payment due next month. The whole system seems intentionally designed to deliberately trick students into missing a payment and being hit with late fees and interest rate hikes. This causes me extraordinary stress as I never know if I am about to miss a payment or not. For example, according to their website and the emails that they sent me I had a payment due yesterday, XXXX XXXX, XXXX. I could n't call their customer service due to the holiday weekend, so I did n't sleep last night worried I was missing a payment. When I call them this morning they told me essentially to ignore the information I was receiving via email and on their website. But someday ignoring that information could result in a missed payment. When should I ignore the information and when should I heed that information? It is extremely distressing and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified That I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, XXXX proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: KY
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 are fraudulent : XXXX XXXX- {$510.00} XXXX/XXXX- {$210.00} XXXX- {$780.00} XXXX  XXXX- {$240.00} XXXX- {$210.00} XXXX XXXX- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08
Company: LEXISNEXIS
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy. <P/>I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.

Company response to consumer: Closed with explanation