BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: OH
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 tried on several occasions to fix inaccurate and fraudulent information on my credit report. Equifax has consistently REFUSED to even investigate. I have been sent letters saying they won't block fraudulent accounts despite sending in the FTC IDENTITY THEFT AFFIDAVIT for the fraudulent accounts. They said in other words that I was lying instead of actually investigating. 1 particular account wasn't even in my name or address, but they refused to even look into it.

It has since been taken care of by the original creditor.

They also refuse to delete inquiries that I did NOT authorize. The other 2 bureaus have done their job in removing inquiries that i did not do. I Am a victim of identity theft and my report is marked so. 
They repeatedly state that they are factual record. Factual record is that i have fraud and identity theft on my credit report. They consistently refuse to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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 belongs to someone else

Complaint:
Experian is reporting an accoutn from XXXX XXXX XXXX that is incorrect please correct and update off my report due to id theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Over the past 13 years, the student loans I took out to attend XXXX XXXX XXXX have ballooned out of control due to the errors, omissions and deceptive practices of Navient ( formerly XXXX XXXX ). 

Original balance on a loan I started was for {$26000.00} and another ( which I have yet to see my signatory document ) for {$19000.00} ( total : {$45000.00} ) increased while I was paying the monthly payments ( as I was able ) to {$76000.00}. 

Now I am not a finance major, but even with a few forebearances that I requested when there were financial troubles, but it seems that misallocation of my payments to forebearence fees, erroneous late fees, etc caused capitalized interest build up during my repayment program. 

So even though I was making payments, the balance only always rose. Even when I requested a fixed payment extended plan ( which would increase the overall sum I was paying ) they did not put me in that program and with variable rates increasing, the payment kept increasing. 

No one ever advised other alternatives to forebearance, nor did they advise that the interest first payment structure was going to be used. So although I made 13 years of payments, nothing was ever applied to the principal balance - and with capitalized interest - my balance has only increased. 

I am a teacher and I can only shake my head that the deceptive practices of Navient ( XXXX XXXX ) are allowed to continue like this. 

When my repayment program shifted from $ XXXX to $ XXXX, I extended the payment plan so the payment would be $ XXXX. Over the last 4 months, the payment has increased by $ XXXX so now when faced with a $ XXXX payment that never seems to decrease the principal balance, I refinanced the loan with XXXX. It took me 2 years to repair the credit reporting mistakes that Navient made to the reporting bureaus, else I would have left them long ago. 


This is exactly the type of loan program that caused the mortgage meltdown and needs to have corrective and significant action so that other borrowers are not treated like I was and they do not experience the financial hardship of ever increasing debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Sezzle 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: Account information incorrect

Complaint:
Late payments - XX/XX/2020 through XXXX XXXX this account has also been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Zions Debt Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/XXXX, XXXX installed an alarm for me. I was dissatisfy with the result and service and equipments were returned as instructed. They claimed the never receive it and demanded payments. Because I was going through so much with my husband who undergone a XXXX XXXX followed by a XXXX, I didn't follow through and allowed them to get payments. I was dealing with too much. XX/XX/XXXX, I received an email stating that there was a missed payment. It was because the card was lost and account had changed. I called and provided them a new card along with the balance which I will attach the email. I was told they will send me a paid receipt which I never received. Instead, they sold my account to a third party who placed the account for collection. And, they are asking for more than what the alarm original cost. Now, not only I never received the service from XXXX, returned their equipment, paid them in full. Now, they got money from another company and allow them to come after me for the full amount again. That's in sane.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I signed up for a 7-day trial with Transunion. However, they charged a {$26.00} Subscription Fee for 3-Burea Credit Monitoring on XX/XX/2020 without my consent, and without providing the the service reporting.

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 2020-02-04
Company: EQUIFAX, INC.
State: OH
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 filed a dispute for the account Ohio Department of Human Services with Equifax  and it is still showing on my credit file as under reinvestigation. I believe this dispute is older than 30 days and at this point I want to cancel this dispute and remove the dispute comments. This account is no longer in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: TX
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 an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXXand they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.

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 2020-07-21
Company: EQUIFAX, INC.
State: TX
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 an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXX and they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, 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:
UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Phillips & Cohen Associates, Ltd.
State: TX
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 an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXXand they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CORELOGIC INC
State: PA
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:
XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Credco XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX in the amount of {$3000.00} XXXXDEPT OF ED XXXXXXXX XXXX in the amount of {$1700.00} XXXX/Dept of ED XXXXXXXX XXXX  in the amount of {$1700.00} XXXX/Dept of ED XXXX XXXX in the amount XXXX XXXXDEPT ED XXXX in the amount of {$800.00}

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 non-monetary relief
Consumer complaint received 2020-07-21
Company: Ocwen Financial Corporation
State: NY
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 a nearly perfect credit record on all 3 credit bureau reports. The only blemish is one late payment on my Ocwen mortgage listed in my XXXX and XXXX accounts. First, I never had a late payment. Second, When I closed my account with Ocwen during XX/XX/XXXX, I had no late payments reflected. Third, three years after my account was closed, paid in full with no late payments, Ocwen reported my last payment on my account as 30 days late? They entered this update during XX/XX/XXXX, like it was a recent missed payment on my XXXX   and XXXX account. I mailed Ocwen with documentation twice, and twice they never answered my correspondence, even though they are required to send me a reply within 30 days of receipt. I have proof of receipt with a signature for both letters and background documents that I sent. I have also tried to correct with XXXX and XXXX, but their response has been that Ocwen verified that the information is correct. In both cases, XXXX  and XXXX  did not explain how they completed the reservation or who they talked with at Ocwen. 
All I want is an answer back from Ocwen : if this complaint doesn't work, I will hire a lawyer and sue them under the FCRA. 
Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, a scammer contacted me posing as a Fraud agent from Wells Fargo. At first I received a text message, telling me I had a XXXX charge, if I didn't authorize to respond yes or no. I replied no. And immediately I received a call from what I thought was Wells Fargo, the number appeared as Wells Fargo in my phone. I talked to what I thought was an agent. From there, I was decieved. Next thing you know I realized it was fishy, I called the bank after XXXX had been taken from my account. Through XXXX scam. I called wells Fargo and they open a claim only to tell me I authorized the payment and was not going to get my money back. 

I have several witnesses that also believe it was a three way transfer. The person posed as XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received our monthly statement from our mortgage company dated XX/XX/20. On the statement, there were 2 charges for $ XXXXea described as FAX FEE. I called their customer service number on XX/XX/2020, and due to high call volume, they let me choose a call back for XX/XX/2020. They called me back on XX/XX/2020, and I explained to them that I wasn't sure what the charges were for. The agent told me they were fees for payoffs and that I or my wife authorized them. I asked for proof that we authorized the charges and the agent said we must have called in. I told her that me nor my wife have ever called in, and never authorized those charges. I asked for them to provide me with a signed document stating that I authorized those charges and the agent told me they don't have to provide me with one. she said they would NOT waive the charges and they will remain on my account until paid. I told her I refuse to pay those charges unless they provide me with proof that I authorized them, and she said they don't have to. I then asked for contact information for their billing dispute department so I could write them a letter and the agent said " one moment '' then hung up on me. I have no other way to contact this company. I now have to wait until Monday to try calling again, only to receive a callback days later. I never signed anything with this company, they took over my mortgage from my former company. I most certainly didn't agree to any {$15.00} FAX FEE, I don't even own a fax machine. The company is Citizens One XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted XXXX XXXX on XX/XX/2023 about an expensive package marked delivered that I never received. It was photographed outside on my porch, in plain sight for people to steal. No signature required. I contacted them and they told me to contact my bank and file a chargeback, they would speak with my bank and get me money back. They did not ever file a claim with the delivery company, or give me any other means of solution. Since I never received the package they have to handle all those responsibilities. Instead, I continued to be told to file a chargeback and I would get my money back. Instead Amex keeps declining my dispute although I literally have written proof XXXX XXXX informed me to do so. Amex then told me to file a police report which I did and they still continue to decline my dispute although I did everything asked of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXXI have a a unverified account from XXXX XXXX XXXX . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim or any documentation for my review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I make a payment arrangement in " Bank of American '' Agreeing with {$200.00} dollars a month. However, Bank of American continues to call me every month on my Job with harassment calls about the {$200.00} that I have been paying every month. 

Also, I don't understand. I am making payment to them and the calls continue every month.

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 2023-07-08
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-04-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I requested my free annual credit report from all three companies. I have some disputes about separate issues on two of the three accounts. When I tried to view my third account ( equifax ) the site refused to allow me entrance after verifying my identity. When I tried to re-enter all identity questions and was finished the site told me that I already viewed my account. I would like to view my account please?

Company response to consumer: Closed with non-monetary relief