BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-30
Company: Navient Solutions, LLC.
State: PA
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:
My payment of {$190.00} was posted to my bank account XX/XX/2018 and sent to Navient. However, there is no record of my payment on my account. A Navient representative told me that I didnt pay in the month of XX/XX/2018, but that is a lie. My bank statement and bank representative confirms my payment. What a shame that Navient would steal my payment. A Navient representative told me that they cant help me. I have filed a complaint with my bank. Also, my new loan servicer informed me that Navient did NOT send them any payment for XXXX, although I made this payment to Navient. I had to pay my XXXX bill a second time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX accidentally charged me a second time for a purchase I made. I got in contact with them they confirmed it was a mistake but had no way to correct it. They advised me I had to go to the credit card company. I have tried to get it reversed through the credit card company but they say they cant confirm it. A rep from XXXX XXXX emailed me a receipt and advised me to tell Bank of America to reach out to her personally if they needed help to overturn the charge. I submitted it to Bank of America again and somehow they still cant verify. This seems like unfair lending I know you are not supposed to be charged for fake charges. I believe they are only trying to collect interest from 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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I noticed items on my credit report that didnt belong to me. I sent in a dispute letter to have the negative items investigated and removed from my report on XX/XX/XXXX. On XX/XX/XXXX I sent in a 30 day demand to comply letter and its now XX/XX/XXXX and ive yet to receive any investigation results.

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 2018-06-25
Company: Diverse Funding Associates LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call continuous and I finally answered today XX/XX/XXXX and they told me very rudely that I owed XXXX on something I thought was paid in full. They bought this debt from someone and have been sending it to the wrong address and today they tell me if I dont pay in full at that moment that will will take legal action. I tell him whatever when he refuses to send me a bill to the correct address and hang up.Then he calls back and says that he will take this as a refuse to pay. I told him I was at work and could not do this now and he says that he would take that as a refuse to pay also.

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 2021-06-25
Company: ZuntaFi Corp
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a a payment agreement with zutafi loan company. Formally known as SLFC and several different names. They continue to harass my XXXX and XXXX father. They also continue to assault my credit report every month, even with payment being made on-time. I get very little information of my progress. And the loan is almost XXXX years old. They have very deceptive practices. And did not notify me that my loan my be going into default. Of course until it did. Also, the company was constantly changing it's name and address. So I had no idea of whether I was being scammed or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
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: Account information incorrect

Complaint:
Capital One account number XXXX has a late payment for XX/XX/XXXX that has been removed once before from the capital one because it was an error. It has reappeared on my credit report in XX/XX/XXXX. And it has not been fixed after several calls to them. The late payment that is still on my credit report is indeed an error and I need It to be removed immediately as it is in violation of the Fair Credit Reporting Act and The Fair Credit Billing Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi, I signed on to the chase checking account because I saw the {$200.00} bonus that came with opening an account. I had directly clicked " open now '', so that the coupon code would be applied directly. So I opened the account and set up the direct deposit as per the terms of the sign on bonus, however, after it's been over a month and I haven't received the bonus yet ( even though it should be after 10 business days ). I checked with them over email and they said that they could not apply it without a coupon code, however, as I clicked " open now '' directly from the promo page I had not received a code.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with XXXX, XXXX, Equifax and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on XXXX and XXXX on XXXX it also shows me being late in XXXX on XXXX and XXXX on XXXX. The only reason I cant show you that Equifax also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Capital One card and received a request, by e-mail, for more information. The e-mail said I had 35 days to send that information. I was busy with a business trip so I did not get to it for nearly 3 weeks, which I figured was fine since it was well within the 35 days. However, when I went to click the " submit documents '' link in the e-mail it was broken. So I called the customer help line and they told me that despite the e-mail saying I had 35 days, I actually only had 14 and then the link expired. They said the 35 days was actually the deadline for mailing in the additional documentation. There was zero indication of the 14 day deadline on the link anywhere in the e-mail. Now the whole process is greatly delayed and the company is being extremely unprofessional about it, saying it is my fault despite the fact they gave me faulty information. So now I've got an application on my credit report that probably isn't going to go through because of a mistake on the company 's part, and the company is completely unwilling to do anything to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
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:
Hello : How are you? I hope well. My name is XXXX XXXX and there is incorrect and fraudulent information reporting on my credit profile. It needs to be removed immediately. 
The following inquiry needs to be removed immediately : XXXX XXXX  Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed. 
XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX/XXXX  XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section XXXX09 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Please remove all fraud alerts immediately please and thank you. 

Please remove all outdated addresses. 

My CURRENT and Only address is XXXX XXXX XXXX XXXX XXXX, OHIO 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 2019-08-30
Company: Experian Information Solutions Inc.
State: IA
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 am attempting to extend the temporary lift on my credit freeze ( set to expire XX/XX/XXXX ) so I can close on a house ( XX/XX/XXXX ). 

I have been attempting to lift a credit freeze today ( XX/XX/XXXX ) through the experian website. They do not recognize my address as a valid format, and/or they simply don't have the information they need to process the data. 

The message on their website states " you would like further assistance in removing your Freeze, please contact us at XXXX. '' First of all, that is not a real phone number. Second, calling that number lands me in a recorded message loop wherein no option gets me to a representative, nor does any option allow for a credit lift of any kind. I also attempted to call the numbers on their " contact us '' link and their " customer support. '' When each of those numbers redirected me to the same robot-maze, I XXXX " how to speak to a human at experian '' and tried two additional numbers. Each number bounced me to the same menu. 

I have selected literally every option on the menu. I have not been able to speak to a person, I have not been able to lift a freeze ( or even try to do so ), I have not found anything that can help me. It has hung up on me twice and twice told me to mail a large amount of information to an address " to place a credit freeze '' -- not what I am attempting to do. 

I have a XXXX XXXX in XXXX XXXX. If I can't get this information, how on earth can a less-educated individual? I have managed to lift my freeze at both other agencies relatively simply. I do not like that Experian has control over all of my data and I have no way to contact them about issues. 

I have also filed a complaint with the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: EQUIFAX, 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 concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus 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. CFPB please step up and delete this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: SYNCHRONY FINANCIAL
State: AZ
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 credit report was obtained from the following companies without my authorization and is causing extreme damage to my credit 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 non-monetary relief
Consumer complaint received 2018-10-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the XXXX XXXX XXXX and they too could not find any loans associated with ssn.

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capital One Auto ran my credit without my permission. I am attaching to this complaint a copy of my pre-approval letter from XXXX XXXX XXXX showing that I had already secured financing for my vehicle and had no reason to allow anyone to run my credit considering my credit union had already ran my credit for the pre-approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO CREDIT ACCEPTANCE CORPORATION! PLEASE READ AND UNDERSTAND THIS MESSAGE AND ITS ENTIRETY. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this  matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2018-10-30
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: Information belongs to someone else

Complaint:
About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the XXXX XXXX XXXX and they too could not find any loans associated with ssn.

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts from 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 2018-10-30
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Phillips & Cohen Associates, Ltd.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a company called philips and cohen whos address is XXXX XXXX XXXX, XXXX, deleware XXXX with the phone number XXXX. This company call me daily and on my cell phone. I have asked them repeatedly not to call me at work. They call me once or twice a day at work. They have called old work numbers and badgered my co workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On today 's date XX/XX/2018, I called Pro Comm Services in XXXX, Illinois to verify my debt. My request was repeatedly denied, stated " we are not a billing agency, we only go by phone not paper ". They also refuse to accept any payment of it not in full. I would not agree to any kind of arrangement unless it is in writing which they also refused to send.

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 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Credit Bureaus changed the status of my Alabama Child Support Account from closed to collections. This is an error. This account is current and being paid as agreed. According to the Alabama Child Support Administration, child support should only be reported on credit reports if the past due balance is over {$1000.00}. I am current on my payments therefore the account should be removed, if not placed in a current status.

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