BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing with Equifax since XX/XX/XXXX for every month up until now. The first issue is they keep stating accounts are verified. But the FCRA clearly states that the XXXX system is not the only way the bureau can verify a debt. I have been receiving account verified updates since XX/XX/XXXX-XX/XX/XXXX thats about 8 months worth of disputing. I have yet to receive any paperwork from your bureau stating how it verified any debt. So its safe to say your bureau only used XXXX system meaning your bureau is in clear violation of the law. Additionally XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX has multiple FCRA & FDCPA violations. Just to name a few failure to notate account is disputed by consumer, loan type incorrect, balance amount wrong, how is it scheduled payments on closed account.Theres a lot more errors please see attached files. 
Also XXXX XXXX  Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations just to name a few failure to note account is disputed by consumer, charge off amount different from balance, original monthly payments inaccurate.There are a lot more errors on account please review attached files. 
Additionally XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well. One of the main ones are Reporting a late pay when collection accounts are close-ended and can not be late ( unlike open-ended credit card accounts ) please review attached file theres plenty more. 
Additionally XXXX XXXX XXXX Account # XXXX on the most recent dispute as of XX/XX/XXXX Has multiple FCRA & FDCPA violations as well.Just to name a few failure to notate account is disputed by consumer, debt buyer who bought debt not listed.Please see attached file for additional errors. Remove and delete all accounts listed before your bureau faces serious legal recourse from me. This is unbelievable how your bureau has so many violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My identity has been compromised, and the following unauthorized inquiries needs to be removed from my credit report or the responsible party inwhom reporting them should send me the applicable physical documentation as required by law. Please remove the following inquiries 1 ) XXXXXXXX XXXX XXXX ( XXXX ) 2 )  XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXXXXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX, XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX  ( XXXX ) 11 ) XXXX ( XXXX, XXXX, XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX ) 15 )  XXXX XXXX ( XXXX ) 16 ) XXXX XXXX XXXX ( XXXX ) 17 ) 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 2020-05-26
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express wont give my my negative balance back ( need for rent and for other card debt ). They told me that they can wire it to me once the balance is below XXXX. It would be quicker than mailing a check. I said great. 
Then it became 3-5 business days.After memorial day, i check back, they are now saying 12-15 business days. 
I will have to choose between missing a credit card payment, or skipping rent. 
This is not morally right. 
Wire transfers are almost instant. 
This seemed at first an AP days stretch of 3-5 business days.

Now its 12-15 ... and im going to default from this 'anomaly ' Card ends in XXXX ( amex magnet )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: MI
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:
I have old negative accounts on my report that were supposed to be removed. I am unable to successfully submit a dispute for these errors, even thought XXXX  has fixed the issue. See attached proof with account info.

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 2020-05-26
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have previously contacted Fedloan in the years past and notified them of the incorrect reporting but updates were never made to correct their reporting. XX/XX/2016, my area was affected by hurricane Matthew and forbearance was requested ; however, Fedloan continued to report late pays. Also reporting was incorrect prior to the forbearance request- they reported 2 -90 day lates 2 months in row not notifying me the accounts were 30 or 60 days late prior to reporting 90 day lates for 2 consecutive months. FedLoan is reporting these inaccuracies across all 3 bureaus. The incorrect reporting occurred from XX/XX/2016 to XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called a customer service representative about my four loans with Navient, and the representative could only give me partial information about them, but not all of the information that I needed to mangage my loans. About a week later another representative called me being very rude and was trying to bully me and disparage me by saying that I was refusing to pay my student loans. I told her that I was not refusing to pay my loans, but I handed our financial information to a financial advisor who was looking at the totality of our financial situation to come up with a plan to manage our overall debts. She kept repeating that instead of paying our bill, we hired an advisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
See attatched XXXX IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT DISCHARGED XXXX see attatched XXXX Confirmation of Settlement XXXX XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) XXXX HAS DESTROYED MY CREDIT FOR YEARS. XXXX COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on CRA Reports. It was Opened XXXX & shows a different account number on Equifax Report. 
This account is NOT OWED OR DELIQUENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: GA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There's an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : Company inquiry : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Nelnet, Inc.
State: SC
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 disputed the Nelnet accounts multiple times on my credit reports. They keep coming back as verified but they are still reporting inaccurate information. The most noticeable error being that it goes from current to 90 days past due from one month to the following month. It's impossible to be current one month but then 90 days past due the following month. In addition to that, these accounts first went past due prior to XXXX of 2016 so no longer should be reporting on my credit report anyway. The information reported to each bureau is also different. How can the information be different, but still accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 pay my bill on time it is not being reported on time .I 'm still seeing a balnce that was already paid .This makes it look like I have a High Balance. I don't understand why that is .I have had this card for 5 years and the same thing keeps happening. Can someone please ask Walmart WHY is THAT, I'm trying to buy a home and it looks like I have a High balance. For 3 months they have NOT sent the CORRECT info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card through Comenity Bank, which was charged off back on XX/XX/2015. It was a credit card for the store XXXX, which went out of business. My credit limit on this card was around {$300.00}. I have been dealing with XXXX XXXX XXXX, XXXX since then. I have tried to reason with them, stating that there is no way I owed {$1100.00}, as my credit limit was not that high. They have refused to discuss this with me. I just received a fraudulent credit card statement from XXXX XXXX with a statement showing I owe {$1100.00}. This statement was fraudulently created by XXXX XXXX. It shows on the statement ( attached ) that it's from XXXX, this is a complete lie and a fabricated document made by XXXX XXXX. I demand this account be removed from my credit report and XXXX XXXX investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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 2019-02-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. Experian please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 08 XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX and 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 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Sun trust became truist bank. I was sent a new atm/debit card. Tried to use automated system to activate the card ; system said my billing zip code is wrong. It isnt. Directed to call customer service. On hold yesterday for 1 hour and gave up. Called today- on hold 1.5 hours. I have no way of accessing my Money- no checks, cant use debit or atm functions.

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 2021-01-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing to SYNCB/SYNCHRONY MAST ( Opened XXXX XXXX, 2017 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/SYNCHRONY MAST agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2020-10-18
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report there is a collection agency attempting to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased my car new in XX/XX/2014. I was in immediate need of a car. The payments were always high ... .but the need was great. I had to commute to work. 
I have tried several times for a change in interest rate or a refinance. When I make a payment almost half at times goes to interest. The principal barely moves. 
the car new was market price of approximately 22k. I now owe XXXX more on the car. I still make the monthly payments with much going to interest. I feel as if I walk away ... I am the XXXX. My credit score tanked because payments to them have been so difficult because my financial situation had changed. 
This bank is the worst. I get calls and they will say to me ... 
Is the tow truck in front of your house? They once took my car when I had made arrangements to pay them. I told them my checks come at the end of the month. They took the car right before the date. ' Capital One bank is predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Charging privileges suspended by American Express. Absolutely NO warning, and no explanation. Account fully current with no balance due. NO explanation given. 30 year customer. When I call American Express, they can not understand why this has been done and advise me I " will be called back '' when they figure out the issue. It has been 6 weeks and I have received NO response. This card is FULLY current., no balance is owed and they appear to have taken away thousands of awards points without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a account with USAA and it closed for no reason by USAA telling me that I had tried to run a scam by opening my account, would not give me the real reason. I was in the process of purchasing a car and the dealership who i selected must did not have a good rep with USAA so they closed my account because something that had nothing to do with me. In the process of filing a lawsuit because my account was closed without out cause and something that had nothing to do with me. It was not fair and I should not have had my accounts closed. They would not even tell me why my account was closed. I want my account reopened and a apology because I was accused of something that was not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Bread Financial Holdings, Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: MIDFIRST BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Midfist provided temporary credit for a dispute, no notice was provided when it was reversed. They credit my account again. I called and I was told it was final. I called the branch amd was told I would get a call. Never got the call back. They then debited my account again. Again with no notice and after I was told it was final. I at this point am so confused and feel I am missing {$350.00}. This bank has caused an a massive amount if stress and inconveince. I have children to take care of and I feel they think it is ok. Just to mess with peoples accounts ans they take no responsibility to the stress and confussion they have caused. I believe they are breaking regulations and they need to be investigated.

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 2018-07-16
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have had a very difficult time with XXXX XXXX. We tried to do a loan modification and could not afford the mortgage payment. We have placed our property on the market to sell. XXXX XXXX and the investor have refused to postpone sale dates while we go through this process. We have had to get free assistance from legal aid. We now have a full file in the system in review with XXXX XXXX, that has met the numbers requested by XXXX XXXX for approval, and now they have refused to postpone the sale date. From my understanding, this is illegal in the state of California. ( California Bill of Rights ). All documents requested have been received by XXXX XXXX. We feel like XXXX XXXX is lying to us, and only want to foreclose and kick us out on the streets. We simply want to avoid foreclosure. 

We are both retired living off a fixed income. Our SSI and XXXX Pension.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX i sent XXXX report on debt collection from AB Recvy Services. I sent them a copy of the fake lease agreement the company sent. It did n't have no initials, no names, and no signatures. Some of information were incorrect where you can see on the paperwork. Photocopied signature of mines that they copied from some where and paste. No original anything. 

Collection : Absolute Recovery Services Balance : {$2800.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
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 have been a victim of ID theft. I recently conducted a review of my credit reports, and I noticed a total of 11 UNAUTHORIZED credit inquiries that I find to be problematic. 
I contacted every company listed below over 45 days ago, and asked them to take action to get these inquiries removed from their records, my records and to erase any record of the inquiry with all credit reporting agencies. They did not respond, send me any results and have not complied with my request to take whatever steps necessary to resolve the issue. It is not ok for them to report this inaccurate information on my reports so I decided to contact you just to make sure this gets done.

Company response to consumer: Closed with explanation