BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: CAPITAL ONE 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: Information belongs to someone else

Complaint:
the following accounts appearing on my credit report do not belong to me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
Navient has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been a Discover customer for about 3 years, with that I have one credit card and one Personal Loan. The amount owed on the personal loan is {$4300.00} and {$1300.00} on the credit card. On XX/XX/XXXX my baby was born and I was going through extreme financial hardship. The months where the accounts were not paid were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To begin Discover had the incorrect Mailing Address on file therefore I did not receive any statement, balances or mail from Discover. I was getting constant calls at work reminding me that I had late payments due and asking me " how would you like to pay this amount ''. Discover is only worried about me paying off my balance rather than trying to work with me.Not only was I interested in getting my account current, I was also interested in paying off the full amount. They have repeatedly expressed to me that they refused to work with me even if I pay in full. They have put me in a stress full situation where my credit score is so low that I can not qualify for a Mortgage. They have put me in a position where I am Financial unstable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, I was on vacation in XXXX XXXX XXXX XXXX, XXXX XXXX charged my debit/ credit card {$540.00}, I did not authorize the charge.The casino was supposed to give me the money in cash that they charged my card, but they did not. They didn't give me a dime. They also lied about how much they charged. I gave permission for them to charge {$500.00} in exchange for the money in cash, but they didn't give it to me. It wasn't till I checked my bank account on the mobile app that I saw they charged even more. I contacted my bank ( TD Bank ) immediately, minutes after the casino charged my card. I told the bank not to allow the transaction go through. They told me it was instant so I would need to file a dispute. I filed that on XX/XX/XXXX or XX/XX/XXXX. They then sent me paperwork to file a report with in depth details. I submitted that on XX/XX/XXXX. I assumed everything was taken care of because I hadn't heard back. However on XX/XX/2018, someone form the disputes department called me to tell me they needed even more proof, this time from the casino saying they did not give me my money. I have contacted the resort/ casino several times, but they have been no help and have stated they are not associated with the casino. However the name of the resort is on the receipt I was given, and they gave me vouchers to check out the casino when I checked into the resort. Since this incident happened I have read numerous reviews on the internet about the casino charging other peoples credit cards and not giving them the money. I have even spoken to a few of these other victims. The " casino '' is a complete scam. TD Bank said they need proof from the casino directly that they never gave me my money, but knowing that would be them admitting fraud they will not give me anything. As my bank I expect TD to protect me and my money. They have had me jumping through hoops for absolutely nothing and enabling this scam to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is reporting inaccurate information of accounts that's been sold therefore breaching any contract I may have with original creditor. Yet, I have no contract with any of said collection agency 's that trying to collect more than the actual debt was. I disputed these items but never received any real verification for any said debts. 

XXXX- {$98.00} XXXX  XXXX XXXX XXXX- {$1500.00} XXXX XXXX- {$630.00} XXXX XXXX- {$1600.00} XXXX XXXX  XXXX- {$260.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX- {$970.00} XXXX XXXX- {$630.00} XXXX XXXX XXXX- {$1000.00}

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 2019-01-15
Company: ID Analytics, 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 have never heard of XXXX until I received a denial letter from XXXX XXXX for an auto loan request. Upon further research they are a connection with XXXX. I do not approve of them having my information, nor do I approve of them issuing my " score '' based upon personal life interactions that are not entirely financial. I should not and do not need to verify my sensitive information with a company that just popped up at random in order for them to freeze my " credit profile ''. This is absurd and I want my " credit profile '' eliminated from their systems if they can't be forced to close up shop.

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 2018-05-10
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started paying on my student loan in XX/XX/XXXX. I had one loan in the amount of XXXX which I paid on while I worked. I took three deferments year long deferments and I took a couple of deferrments 6 months or less. I returned to school and took out a second student loan for my XXXX XXXX which was about 17,000 for one year.I took this loan out in XX/XX/XXXX with XXXX XXXX XXXX XXXX. I have paid on these loans over the years and they keep going up instead of down. I owe more than I did 20 years ago. I pulled a payment history which indicated that nothing in 20 years had been applied to my loan. I am a XXXX XXXX XXXX  and I should have qualified for XXXX forgiveness over the years, but they kept changing the guidelines and I never qualified for anything. I have XXXX for 24 years in XXXX XXXX, which 8 of those years were title one schools. I feel that I am entitled to loan forgiveness and I would like to see my orginal loan document because I started with XXXX with a 3 % loan. They turned me over to a loan servicer who immediately jacked up the loan to 6 % without cause. I got behind so I went online and made the payment yesterday to bring the account up to date, and I received an email today saying that I still owed these payments. I checked their data base and looked up payments and it said the payment was pending. Maybe. I am XXXX years old and I can't keep making student loan payments uinless I keep working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX, 2017, I mailed a letter to Equifax, demanding proof of certification of permissible purpose for multiple inquiries on my credit file, pursuant to FCRA 609 ( 15 U.S.C. 1681b ). Equifax did not send me the information demanded, instead treating the matter as a standard dispute, complete with their standard response that inquiries are a matter of factual record. I have, in the past, sent Equifax documentation showing that several of these creditors in fact did not have permissible purpose, yet they refuse to remove the inquiries from my credit file. I have also filed previous complaints with the CFPB, but there has been no resolution, other than the CRAs involved responding with the same " cookie cutter '' response, and the CFPB considering the matter closed. This most recent incident is a clear case of willful non-compliance with the Fair Credit Reporting Act, and I would like to see some form of enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Action Financial Services, LLC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The federal loan company has turned over my student loans which went into default to a collection agency Action Financial Service LLC And I’ve had the most difficult time reaching them. I would like to get my loans out of default and start building myself back up but no one is answering me no one is reaching out to me if you check the reviews of this company, I’m basically doomed

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 2018-05-10
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2017 and XX/XX/2017 credit inquiries were made without my consent. Customer service wouldnt help to remove these inquiries reporting to 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 2019-09-10
Company: EQUIFAX, 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:
Equifax can not find my credit file XXXX and XXXX has no problem. I faxed the copies of social security and identification card to them, they responded that my file is still not able to be found by mail, with my name spelled wrong. I tried to call Equifax, according to their representative, they are not allow to talk or give any information if I cannot verify my identity (which is the exact problem that I have and need help with!). So again, I faxed Equifax with my social security, ID, and the letter that I received, to have them try to solve this issue. Still waiting for response ever since. It has been a month since I send my last fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Credit Karma, 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 information incorrect

Complaint:
I just filed a dispute with XXXX. a few of my accounts which I paid off and have a XXXX balance they are still showing I owe that balance. how can this be dealt with improper information which it effects my credit and it's been a good two weeks since these payment balances were made. A few of the accounts show a XXXX balance but there are others that don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Fairway Independent Mortgage Corporation
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
BOUGHT HOME ON XX/XX/XXXX WITH XXXX XXXX. RETAILER OF HOME ISSUED WARRANTY OF ONE YEAR TO " FIX '' AND " FINISH '' THINIGS WITH THE HOME THAT COME UP OVER THE FIRST YEAR. 

CLOSING DOCUMENTS HAD THE HOME LISTED AS A XXXX MODEL HOME- THIS WAS SOMETHING THAT WAS VERY IMPORTANT WHEN CHOOSING A HOME THAT XXXX WOULD FINANCE. 

WHEN MOVING IN ON XX/XX/XXXX, AND RECEIVING OUR " WELCOME HOME '' PAPERWORK, WE WERE TROUBLED TO SEE THAT OUR HOME WAS NOT INFACT A XXXX MODEL BUT WAS A XXXX LOT MODEL. 

THIS DISCREPENCY MADE US WORRY THAT THERE WERE OTHER WAYS WE HAVE BEEN DUPED BY THIS RETAILER AND HAVE HAD MANY OTHER PROBLEMS WITH THEM SINCE THEN, NOT HONORING THE WARRANTY AND OTHER THINGS EFFECTING THE SAFETY AND STRUCTURE OF OUR HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { transunion, XXXX and XXXX } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you

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 2018-05-10
Company: BYL Collection Services
State: FM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I checked my credit report and found BYL COLLECTION SERVICE XXXX XXXX XXXX, XXXX XXXX, PA XXXX reported a bad debt for the amount of {$190.00} that I never herd off. This debt has never been presented to me and I don't understand why it is on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had this vehicle voluntarily reposessed in 2019. I didn't end the Lease early. Also, the dealership, XXXX XXXX  XXXX XXXX, lied to me when they told me the second lease after the first leased vehicle was terminated and said it was a continuation of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, Experian, XXXX and XXXX XXXX collectively.  A debt collection agency known as XXXX XXXX   is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against XXXX XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.

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 2018-07-05
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company called NCC Business Service # XXXX says I owe them money. I do not owe them money. I have never been contacted by them personally saying I owe them anything. Nor, any company they are associated with have I ever received anything about owing them debt. Please help me thank you. They sent to XXXX to ruin my credit on XX/XX/15 for XXXX. I owe NCC Business nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to contact Capio partner for almost 1 month. I left messages on several different occasions regarding two XXXX bills I did not occur. I attempted to dispute the charges on my credit but for some reason they assume XXXX XXXX is XXXX XXXX. I havent been to the hospital for anything in years. Isnt this a violation of the hippa law to basically dump medical information on to someone elses public credit report. I did contact my family attorney and will definitely be continuing to investigate this situation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
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: Was not notified of investigation status or results

Complaint:
I sent a dispute to Equifax for some fraudlent inquiries I noticed on my credit report. After sending the dispute to Equifax, I never recieved a response. 

I have attached a copy of the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ran my credit without my permission. There was a representative that can to my job solicitating, claiming to get me a cheaper plan but did not receive permission to run my credit. I called the corporate office and made them aware of the unfair practice. I'm requesting removal of the inquiry from my Credit reports!

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