BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: Georgia Student Finance Authority
State: GA
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 been battling this loan company since the inception of the loan. They keep reporting me as late when the account is supposed to be in deferment. At the start of the pandemic I was told that my account was covered in the federal stay ordered my the President but my account was still reported as late. I was told to dispute it for correction but instead they verified. it. I spoke with a supervisor XXXX XXXX who was supposed to look into this and call me back but never did. The I spoke with her Sup a XXXX XXXX XXXX who assured me she would correct the reporting and the account was to be in deferment. Not only was it not corrected they now have 4 late payments reporting. The only thing reporting late on my credit and its killing my XXXXredit score and preventing me from being able to make financial moves

Company response to consumer: Untimely response
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I applied for a card some time ago, I was approved however never received a card nor did i receive any bills. As such there should be no way that I would receive a negative ding on my credit reports if I never got, used or even activated said card. I need this to be resolved. I now want nothing to do with this company at all, I want the negatives to be removed immediately.

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 2019-02-08
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried saying and contacting BBVA. Here it is. This account was a suggestion request by a XXXX XXXX XXXX profile on XXXX XXXX XXXX. He initiated contact with me. This profile is going to have his contacts who he claims to be Hackers and will try to use this account. I tried calling BBVA hurry close that account before it's too late but nothing. It was not my intention. It was a XXXX XXXX XXXX with his contacts who requested that I open the BBVA account. Please close that account. This XXXX XXXX XXXX has my social security number ID address, where I work everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: TX
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:
Per my first complaint regarding this exact same issue : I informed XXXX XXXX   back on XX/XX/XXXX ( email attached ) that I could not access my account via their website nor the mobile app. I also informed them that when I called in, the telephone agent could not authenticate me because he alleged that my answers to the security question was incorrect. They responded on XXXX XXXX, XXXX ( email + letter attached ), giving me the same customer service number I called to make the payment, saying that I needed to call in to update my address. You can see how cyclical the request is. All I know is that my account with XXXX was reported closed and late and the avenues I had to make payments ( aside from mailing them in ), were closed. This wouldn't be the first time agents at this number alleged they could not authenticate me. That is why I mainly communicate with XXXX bank via email to XXXX. Their calls to the main customer service number are routed outside of the USA and I have never had any luck in getting account information through that number. I did mail in a {$100.00} payment XX/XX/XXXX. I have yet to receive a final statement from XXXX Bank and have received no receipt of that mailed in payment ( again, my mobile app and website access has been revoked ). They have reported yet another late payment for ( XX/XX/XXXX ) to the bureaus but have refused me access to even view what I owe and a breakdown of the charges. I will not make payments on an account for which I am being refused statements. 

As of the date of this complaint, I have yet to receive a final statement nor confirmation of any of my mailed in payments to XXXX. I have mailed in money order payments the first week of each month, guessing what the minimum due is. It appears XXXX is reporting a missed payment for XXXX and XXXX on my credit reports - despite, as aforementioned, revoking my online account access and refusing me access to a final statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: FL
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:
I recently Checked my Equifax report. it has alot of inquires, that should not be there. I disputed them a few Months ago. they are still on there and they are dragging my credit score down. and making it hard to get approved for credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I filed a complaint against Resurgence Capital on debt that was not validated. The provided the attached response. The problem I have now is that the date of first delinquency on my credit report is not correct. It is listed as XX/XX/XXXX when it should be listed as XX/XX/XXXX. You can see the date the last payment was received was XX/XX/XXXX per the attachment supplied by Resurgence Capital in my earlier complaint. Misreporting the date of first delinquency or " re-aging '' is an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX/XXXX. I have also contacted my city police and contacted the FTC as well.

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 2019-02-08
Company: CITIBANK, N.A.
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:
Hello, Citibank currently currently owns my loan with the following account number : XXXX.The loan has been discharged and I am currently making payments to XXXX XXXX XXXX ( as the attached paperwork will show ). 

Unfortunately Citibank is still reporting missed payments even though the loan is being serviced through a debt collection agency. I have attached my most recent consumer credit report as well as my payment history from XXXX XXXX and the response that Citibank had sent me when I initially challenged this -which you will find in the previous case. 

Citibank claimed they are not reporting on my credit which is'nt true, Citibank reported I filed for bankruptcy which isnt true, Citibank stated they sold my loan which they didn't I need to have these payments removed from consumer credit report and an updated letter from Citibank stating their intention to do so.Any help would be greatly appreciated

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 2017-12-05
Company: Comerica
State: UT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX 2017, I call the XXXX XXXX customer service number to check my balance. The call revealed that there had been unauthorized transactions on my account. I pulled up my account online and saw that on XX/XX/XXXXXXXX there were 3 charges made to XXXX in Florida, I live in Utah and did n't lose my card. I called XXXX XXXX XXXX to report the theft and after 15 or so unsuccessful attempts, the call finally connected. I cancelled my current card and ordered a new one. I was then transferred to XXXX who could assist me in reversing the fraudulent charges. XXXX came on the line saying, " you need a XXXX! '' I responded that there had been fraudulent charges on my account and I needed to be refunded the money that was stolen. She proceeded to tell me that they would mail me paperwork, which I was to fill out and return, then it would take 90 business days for them to investigate the theft. I tried to ask questions, but was not allowed to speak, as she just kept talking over me. She then transferred me to a recorded message and then the call ended. I called back and after another number of disconnected calls reached XXXX, who told me that I could qualify for to have the funds returned to my account within 10 days, but she would have to transfer me to someone else to complete that process. She transferred me to XXXX who denied any knowledge of being able to return the funds to my account within 10 days and repeated the lines about it taking 90 business days. I asked if there were forms online or if they could email me forms to expedite the process, she responded, " No. '' She said I could mail a letter to them alerting them of the theft. I asked her to go over each line of the form they would send out to me, so that I could write a letter that covered every detail of what they wanted. She refused. This money is used for us to live, it is survivor benefits and I am a widow doing my best to support my children who have already lost so much. Now they have lost any hope of having any XXXX gifts or XXXX dinner or anything good this month. Please help us get this money returned as soon as possible Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a capital one visa from cabelas ending in XXXX ... on XX/XX/XXXX I was 29 days past due and my past due amount was of XXXX..I made a XXXX dollar payment via ach that covered this XXXX dollar past due which since I made a payment on XX/XX/XXXX my account should be current..Unbeknown to me there was a limit with the amount of ach transactions with my credit union and the payment had a problem going  through..Capital did not inform of me this issue and once I found out on XX/XX/XXXX I made a payment via debit card..Because of this issue capital one reported to credit Bureau 30 days past due for XXXX even though I went online on XX/XX/XXXX to take care of balance..requesting capital one remove 30 day late payment since I went on line to make payment before 30 days past due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In end of XX/XX/XXXX I moved in XX/XX/XXXX with section 8 housing. My move in deposit was XXXX dollars.It was my self XXXX and my XXXX year old son and XXXX year old son. XX/XX/XXXX XXXX said my XXXX year old son violate my lease and they wanted me to moved the police was called and evidence was not found. XX/XX/XXXX moved off property, they over charged me for repairs XXXX, the repair that they would have made any way to rent apartment prices for carpet replacement and full apartment cleaning .. apartment was cleaned I think the charges are not fair rate can please look into it please

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 2017-12-05
Company: EQUIFAX, INC.
State: LA
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 try to dispute each C.B about removing all late payments because of consolidation to my student loans but thry wont update it. I dont want the loans removed but to update the late payments to all current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'VE MADE SEVERAL DISPUTES WITH ALL CREDIT BUREAUS AND I'VE SUBMITTED MY POLICE REPORT DUE TO IDENTITY THEFT. AND FOR SOME REASON THE ITEMS ARE STILL ON MY CREDIT REPORT. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I ALSO HAD FRAUDRULENT INQUIRIES ON MY TRANSUNION REPORT AND XXXX THAT HASN'T BEEN REMOVED. TRANSUNION ALSO HAS NAMES THATS NOT ASSOCIATED WITH ME 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 explanation
Consumer complaint received 2019-02-18
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: TN
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:
I checked my credit report on XXXX XXXX to discover that I had 6 hard pulls on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 Fnb Bank Inquiry from XX/XX/2017 XXXX Inquiry fromXX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XX/XX/XXXX I walk into my bank for 7 years. New work XXXX women is working in there. She basically profile me and said she or her manager couldnt cash the check for only XXXX dollars. I feel racial neglected and profiled store is on XXXX XXXX XXXX XXXX XXXX ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX my XXXX XXXX was totaled On XX/XX/XXXX XXXX insurance sent in {$4300.00} ( this did not pay off the loan ) XX/XX/XXXX GAP paid {$4300.00} ( this did not pay the loan off ) My complaint is : When I called the automated system for Santander USA, In XX/XX/XXXX., the automated system stated my next payment due date was in XX/XX/XXXX. Not knowing I would accumulate additional interest during XX/XX/XXXX-XX/XX/XXXX, I payed the next payment in the amount of {$2000.00} on XX/XX/XXXX. In XX/XX/XXXX, when I called their automated system it stated, my next payment was due in XX/XX/XXXX. When I paid the payment in XX/XX/XXXX, it was n't until then I realized I owed more money on the loan than before I paid the $ XXXX payment and the insurance/gap payments. My issue is the Santander system allocation, AND their automated system literally gives consumers a deceptive, artificial, and miss-leading 'NEXT ' due date. Why would anyone wait just to pay more interest and owe more on a loan, on purpose, after significant lump sum payments were made to reduce the loan? That makes no sense. Santander needs to change their automated deceptive and miss-leading system and provide the consumer with the 'REAL ' next due date, which would be on the regular monthly payment date in the NEXT month, not several months down the road, which leads the consumer to an artificial due date, then we are shocked we end up owing more money. The allocation of lump sum payments apparently triggers this deceptive date WITHOUT an explanation, that paying the loan at THE FUTURE DATE PROVIDED BY THEIR SYSTEM, will actually cause the loan to increase. 
I am requesting a minimum refund of {$990.00} paid in accumulated duplicitous interest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: CO
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:
This is now my FOURTH attempt to get this rectified! I have 4 Unverifiable/unknown collections reporting on my credit report. I have send THREE requests to Equifax to verify and or remove these collection accounts that have no creditor/collection company name on it. This is a complete violation of federal law and 9 months later I am still trying to get these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Since Capital One took over XXXX XXXX I can no longer access my account online. I closed this account years ago but I still have a balance and continue to make automatic payments every month and got an online statement and notification via email when my payment was due and the payment amount due. about two months ago I stopped getting notifications so I tried to log into my account and could n't get access. There was a notice on line that I had to re-authorize my account since the take over. When I tried to do this I had to enter my account number which I did not have since I destroyed my card when I closed the account. I contacted customer service to get my account number and was told they could not give me the account number and that 's the only way I could re-authorize my account. So without the account number I could n't do anything. On my statement that I now receive instead of receiving on line, it only shows the last four digits of my account number ( XXXX ). My payments automatically post on the XXXX of the month and this month it did not post until the XXXX so I called Capital One to see why the payment did n't post till the XXXX and again to see if I could get access to my account. I was told that they no longer allow access to closed accounts on line. I asked them how I can check my balance to make sure my payments go through and to monitor my account and they told me I will now get a paper statement every month. They is fine except if something goes wrong I will not know it until the end of the month. Since I have had problems with other accounts being hacked I check all of my credit cards, debit card and bank accounts activity at least weekly to ensure that I 'm not getting hacked again. Without online access to my Capital One account I can no longer check. Can Capital One legally refuse to give me online access to my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My check was supposed to be in my account today XX/XX/XXXX & it isn't there, I called customer service and they hang up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: CNG FINANCIAL CORPORATION
State: OH
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:
I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to gain information. Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a Bankruptcy that is showing on my credit report and I have tried to have the information removed and nobody has responded to my request.

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