BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: TD BANK US HOLDING COMPANY
State: PA
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:
There was a charge from XXXX on my XXXX financing account for an item we did not purchase. I started a dispute with the financing company and the amount was removed from my statement. When my next statement populated, the charge has reappeared even though the dispute is still open. The disputed charge is the only charge left on the account. I called the company today and was told I am required to make payments on that amount even though it is actively being disputed. I said I feel that is against FTC rules and was told that is not what the rules are for the financing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: NJ
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:
When CV19 hit, I had to shut down my business, as millions of others in America had to do. 

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on 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 2018-09-09
Company: CITIBANK, N.A.
State: NH
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:
In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX  late hits.

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 2018-09-09
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I send letter to dispute latter to XXXX XXXX XXXX, XXXX about the debit that they try to collect and i ask them to provide supporting documents about their claim include credit application for this debt ( {$1900.00} from -- XXXX XXXX  ) that signed by me. they did not provide any supporting document that shows i applied for those credit cards. Those account opened and used by fraudulent activity. ALSO, this debit collector duplicate reporting in my credit account. they did not do any proper investigation about debit and instead they just damaging my credit with false claim. 

Date Reported XX/XX/2018 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX Original Lender XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 6 Months Credit Limit Not Reported Highest Balance {$1900.00}

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 2018-09-09
Company: Experian Information Solutions Inc.
State: NH
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:
In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX  late hits.

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 2020-09-24
Company: EQUIFAX, INC.
State: ND
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:
Equifax and XXXX  should not be reporting that I am ( XXXX ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Sherloq Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
since XXXX 2017 I have received non stop phone calls from the 3rd party collection agency. I have told them to stop contacting me and have filed a prior complaint but every single day they are still calling me. I did not authorize my information to be released to this 3rd party which is in violation of hippa. 
the amount of the debt they say i owe is {$1400.00} account number 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: EQUIFAX, INC.
State: AZ
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:
THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT 5+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF EDXXXX XXXX., DEPT OF EDXXXX  XXXX., DEPT OF ED/XXXX XXXX., XXXX XXXX OF XXXX XXXX., XXXX XXXX XXXX., XXXX XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When I applied for student loans years ago, Navient pushed me into private student loans instead of federal loans, despite me not having any federal loans. I currently have a balance around XXXX, my monthly payment is over XXXX dollars, but only around XXXX of it goes to principal and the rest is interest. Ive never made over XXXX dollar a year yet my payment is never reduced, they only offered that I can pay interest only, which is over XXXX dollars a month, and removes no principal. It has been over 10 years since Ive started paying my loan, have paid over the balance of what my loan was, and yet my balance has barely dropped due to high interest. I have requested to possibly refinance my loan, or some kind of remediation due to the amount paid against what was owed, and Navient has refused to work with my, only offering me to pay just my interest each month, which as I said is still very high and does nothing to reduce my debt, its essentially giving money away. I have paid more than my initial loan amount and have expressed financial difficulty, yet Navient refuses to assist. It should be noted that had they given me federal loans as they should have when I applied, this would not be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I contacted a person with an advertisement to turn I send into 10 times the amount sent for a fee of 25 %. I sent the money ( {$200.00} ) through western union as instructed and was told I needed to send more money ( {$400.00} ) because an error had occurred and the agency will need the extra amount to process the investment. After I sent the money to XXXX XXXX I then uploaded the pictures of the money I had sent through Western Union I received another call that the " Agents '' will process my return and the money will come back to me through XXXX XXXX. I looked the program " XXXX XXXX '' up and felt confident that the program was ligament. After 8 hours and the representative no longer taking my calls I am realizing it was all a scam. XXXX, that's whom the person advertises himself as is no longer available to take my calls. The advertisement is still on XXXX social media sites. The company is Western Union web pay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My checking account with TD Bank has been closed and I need statements from the entire period it was open until closing, It was opened in XXXX of XXXX, closed sometime in XXXX or XXXX. These statements are needed for legal purposes. A request was made prior, nothing received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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: Account information incorrect

Complaint:
In XX/XX/2019 I closed my bank and credit card accounts I had with XXXX. At the time, I paid off all remaining balances on my credit card and removed all money held with their bank. Nearly two years later I had noticed negative marks on my credit score due to unpaid balances with XXXX. I submitted a dispute through experian and XXXX claimed that their information was valid, and sent an explaintion using their records. According to their own report I had a balance of {$69.00} in XX/XX/2019 and I paid {$79.00}. For XX/XX/2019 I had a balance of {$9.00} and paid {$310.00}. The following month XX/XX/2019 ( despite closing the account ) I somehow had an owed balance of {$10.00}. Again this is from documents XXXX provided me when claiming that the money I owed them was valid. I believe these numbers they presented are completely fabricated. Which is obvious from the incoherency of the accounting between XXXX and XXXX of 2019. I can validate all of this information with documents that suntrust provided to my experian 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 2020-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Usaa has blocked my access to manage and maintain the loan. I reduced my scheduled payment. Once they give me my access to the loan back I will submit more payments. USAA has deceptive and unfair practices. Their banking division needs to be looked into by federal authorities. I can see how blocking access to an account to the account holder is legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score.

Why?

I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down

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 2020-09-24
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reached out numerous of times this is not me this should not be on my account. I have no knowledge of why this is on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
On XX/XX/2018, I had applied for a line of credit, with a lender. I was denied due to the fact that, Santander Consumer USA, has continued to report negative and incorrect reports about my past credit with them, to all credit bureau 's. After trying to correct this era with them on several occasions, they still haven't done so. I had retained a credit repair agency, to help me rectify this problem, and as of today they still haven't done so. I am now reaching out to Consumer Finance, because I feel like my rights have been violated, Under the Consumer Finance Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: EQUIFAX, INC.
State: LA
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:
thier are inquiries on my credit file i did not authorized, witch i believe is fraud due to equifax security breach. 1.XXXX XXXX XX/XX/2018 2. XXXX XXXX XX/XX/2018 3. XXXX XXXX- XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company PHH Mortgage formally known as ocwen is NOT reporting our payments to the credit bureau. when I applied to refinance my home, it was denied by them because I filed for bankruptcy in XXXX. I can't refinance because their system says that I am behind in my payment since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: WI
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 have disputes with Experian with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( XXXX XXXX XXXX ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this national credit adjusters taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?

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 2021-10-11
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My son passed away in XXXX of 2021. He had an account with Direct Express for his social security XXXX. Im his mother and submitted all the legal paperwork to receive his balance. They reached out to me in XXXX and gave me a ticket number. Ive called several times and emailed with no resolution. I get a email that says someone will be assigned to me but they never follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Credit Technology, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX  : XX/XX/2020 ( 30 day ) and XX/XX/2020 ( 60 day ) XXXX : XX/XX/2020 XXXX 30 day ) and XX/XX/2020 XXXX 60 day ) In both instances, I had issues with address discrepancy and wasn't receiving invoices/bills which kept me from making payments in a timely manner. Due to COVID-19, it was necessary that I take care of my elderly parents, and needed to have mail forwarded, but as it turns out not everything was arriving. As soon as I discovered the discrepancy I dealt with balances in full. As of of now both cards do not carry a balance but these missed payments have made a major impact on my credit score.

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 2021-10-11
Company: Renton Collections Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Spoke to XXXX XXXX (? Inaudible gave me XXXX XXXX at end of call ) XX/XX/2021. Asked for paper copy of debt owed. XXXX stated they could only send it out within the state of Washington. Siggested we mail to third party in Washington and have it forwarded. It is my belief that a discharge amount of {$210.00} ( amount originally owed ) has had interest applied to it until it's amount of {$610.00} owed today. I have a fiduciary and this amount can not be paid unless appropriate paperwork is given to her or me. The original bill was paid by the XXXX XXXX people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation