BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
On XX/XX/2020, XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, CAPITAL ONE AUTO FINANCE add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I NEED XXXX  EQUIFAX AND XXXX  TO REMOVE FRAUD ALERT FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Congress Collections never sent me a notice of this debt or any chance to deny the debt before posting the collection to my credit which is a direct violation of my FCRA rights. This bill is for medical office visits which were incorrectly billed by the physicians staff. The VA covers my copay as I am an 80 % XXXX bet with XXXX XXXX as well as XXXX XXXX covered from my current job. The wrong insurance was billed. I filed a claim to have the Bill covered by the VA and it is processing. Any attempt to come after me for this collection is fraudulent and done in error. 

I asked Congress Collection to remove the collection from my credit report with all three credit bureaus and they refused is if punishable with a {$1000.00} fine. Restitution of damages to my credit will be sought. 

It is criminal to prey on veterans for collections when it has been proven they are covered by dual healthcare policies and then refuse to correct this collection during a pandemic which is making people seek medical care more often!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.

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 2020-07-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX XXXX communicates with Experian of closed credit card account, payment never received, in fact, FICO score decreases XXXX to XXXX. 
I make complaint with CFPB plus CFPB informed my complaint will be forwarded to a bank. 

XXXX XXXX XXXX has corrected the mistakes, however, the FiCO score is increased to XXXX. 
My FICO score decreases per XXXX XXXX XXXX  error, in fact, my FICO score has not increased and should have not decreased.. 

XXXX XXXX XXXX  has corrected the mistakes reported to Experian, therefore, my FICO score needs to be at the appropriate score or increase to XXXX the emotional credit worthiness damage committed and Small Business Administration made a hard inquiry plus obtained a credit report with the negative credit worthiness of closed account, payment never received and made me look like a risky borrower. 

Experian need to increase my FICO score. 


I am extremely upset l, in fact, victim of identity theft. 

Please inform Experian to increase my FICO score to the appropriate 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 2019-02-24
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from Williams & Fudge Inc for the College of XXXX XXXX stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything. Also I am a retired vet I dont need a student loans I have educational benefits from the military.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
fraudulent charges placed on my account merchant agreed items didnt belong to me provided me with a credit XXXX XXXX  told me no payment is due because of the on going investigation and the mark my credit 30 days late which has dropped my credit score 64 Points

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 2020-07-21
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Adjusters is attempting to collect a debt for XXXX XXXX. I have no knowledge of this debt nor did I receive any loans of any kind from them. This debt was removed and has now reappeared. I would like for this collection to be permanently removed from my credit reports as I dont owe them any money because I never applied for a loan nor received a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: SYNERGY ONE LENDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2016 I worked with synergyone lending for a mortgage of {$230000.00}. I am a XXXX  and they promised me that they were authorized to help me take part in a XXXX grant program. After constant phone calls all through the process about how to do it and making sure everything was right, I started my application and put in my offer. My offer was accepted so I started the work of going through the loan process. I was in contact with synergy one and XXXX XXXX 's loan team until the week before I was supposed to close. During the month I continually asked to lock my rate. They said that was not possible, which I later found out is a complete lie and was actually illegal. Suddenly at the last week, they disappeared. I couldn't reach anyone. No one would return my calls or answer them. They had a secretary consistently say they couldn't talk. Then, when my closing date was already past due, they finally contacted me and said that I couldn't do the XXXX grant program anymore and if I wanted to close on the loan, then I'd have to accept the one they put up for me already. Everything was changed. The loan terms, the interest rate quote, the amount I had to put down. In the end they cost me about {$18000.00} that I was expecting to pay towards the student loans I had, that I now get to pay interest on instead. This group out right lied to me and did illegal things. I posted on yelp and was contacted by their Vice President who said it was just and unfortunate incident and they couldn't do anything about it anymore. These criminals should be locked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Phoenix Financial Services LLC
State: GA
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:
The date is XX/XX/2018 for {$410.00} I spoke to the company several times before they sent me to collections and explained to them that my insurance covers the bill and to contact my insurance. I informed insurance that they would be calling and verified that I was covered for service. I did this numerous times and even sent the company contact names and numbers to call at the insurance company. I never received a response back until I started getting calls from debt collection companies. I just feel it's unfair for them to send me to collections without working with me to solve the issue. I can see if I was a rude or nasty speaking person but I always gave respect and just wanted the situation resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from Williams & Fudge Inc for the College of XXXX Nevada stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX, XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: AES/PHEAA
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:
I have had issues with XXXX customer service representatives since XX/XX/2018. Often times their representatives gave me false informations. 
For example ; 1. After consulting a federal loan specialist I was told I was in pay ahead status because of a payment I made when I was put in administrative forebearance ( a forebearance I was not told about when I switched from XXXX to XXXX ). When I called XXXX to report this I was repeatedly told by the customer service representative that I was NOT in pay ahead status. It wasnt until I spoke to a manager that I in fact was and they flagged my account as pay ahead. 
2. I have requested a detailed payment tracker report since XX/XX/2018.  I have followed up three times regarding the status of this report and have been told that they are working on it. They are unable to give me more information. Without this report I can not retroactively remove the pay ahead status. As per my loan advisor, PSLF can be nullified if I am in pay ahead status. 

Without my detailed payment tracker report, Im not sure if Ill qualify for PSLF program. I continue making payments on high interest loan with no end in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the XXXX breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place 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 2019-02-24
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: Account status incorrect

Complaint:
XXXX  & Equifax are reporting inaccurate information. The account XXXX XXXX XXXX   XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Global Lending Services LLC
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 status incorrect

Complaint:
XXXX & XXXX are reporting inaccurate information. The account Global Lending Services XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: F.H. Cann & Associates, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My loan was turned over to FH Cann and Associates when it went into default due to monthly payments of over {$1500.00}. I sent them income information and was told I could consolidate and get back on track. I called to find out what else they needed in the process and was told that it was to late ; they had sent paperwork for garnishment to my employer. They used my income verification paperwork to obtain my employers information. I was not informed ahead of time, although they claim to have mailed notice. I never received it. Although I asked to be set up with a voluntary payment, they stated there was nothing to be done about the garnishment. I was then told that my garnishment would not even be enough to apply to my principal, it does not even cover the interest of my loan of over {$160000.00}. Im afraid that I will be stuck in this never ending cycle of debt for the rest of my life. I did everything I was asked to do, and the information requested that I voluntarily submitted was supposed to be used to help me ; instead it was used to immediately pursue garnishment without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
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 status incorrect

Complaint:
Experian & XXXX are reporting inaccurate information. The account XXXX XXXX XXXX   XXXX was included in my Chapter XXXX Bankruptcy filed on XX/XX/XXXX. The account was previously reporting correctly but for some reason on XX/XX/XXXX They updated this account and now it appears as if i just missed a payment in XX/XX/XXXX. I've attached a screenshot of the report and highlighted the information which is causing this issue. I'd like this to be changed back to how it was, the account should not have any updates since the bankruptcy on XX/XX/XXXX. This is now making it appear as if i've missed a payment recently and is reducing my FICO score and affecting my ability to obtain credit. I've already tried disputing this information but it seems the credit bureaus don't even read my dispute and just simply have an automated machine do the work which does not understand the issue. This should be illegal as it allows credit reporting companies to get away with reporting inaccurate information affecting our credit approvals and interest rates.

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 2019-03-20
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive had my savings account with US BANK since XX/XX/2009 and have never been advised of the federal regulation D which states I can only make up to 6 transactions with my savings account otherwise Ill be charged a fee. It has almost been 10 years that I have had this account and no one has mentioned this detail. Also, while using their app to transfer the funds there is no warning to me as a client that a fee may be assessed after the 6th transaction. I was charged {$30.00} total, so I made XXXX transactions within this cycle. When I called to have this refunded and stated I had no idea, they refused. It should be the banks job to provide this information to their clients. I dont work in the banking world and I was not aware of this law when I was XXXX years old.

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 2019-03-20
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:
During mid XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's XXXX, Experian & XXXX. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed. 

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files. 

The inaccuracies being reported are listed below by Credit Bureau 's : XXXX Chapter XXXX bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XX/XX/XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00} EXPERIAN Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00} XXXX Chapter XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX State Collections : Account # : XXXX Amount : {$410.00} State Collections : Account # XXXX Amount : {$1100.00}

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 2021-03-26
Company: CarMax, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Carmax continues to make contact in order to collect payments/repossess vehicle numerous times after being made aware I have retained an attorney for bankruptcy.

Company response to consumer: Closed with explanation