BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
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:
XXXX has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on Equifax and XXXX  as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on XXXX  as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since 2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? 

This entry should be deleted immediately as XXXX and XXXX as well as XXXX and Equifax are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Experian Information Solutions 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 disputed errors on my credit report with XXXX XXXX, XXXX and Experian several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.

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 2021-09-21
Company: Experian Information Solutions 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:
Ive reported this issue with XXXX XXXX before regarding a goodwill adjustment but I see theyre reporting this entire account incorrectly, if Ive had 2 30 day late payments then why am I showing late in XXXX on one report & XXXX on the other one. If they cant figure out which month to report this then it needs to be completely erased off my credit report. I care very much about my credit but this is a clear violation of the FDCPA that XXXX has done

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 2017-11-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Thursday XX/XX/XXXX - I applied for an online joint banking account for my husband and I was denied. I called to verify this on Monday XX/XX/XXXX. I have n't received a letter yet.

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 2021-04-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This is not complaint but plea for help by waving interest fees I have a Best Buy account thru Citi Bank, I have made promotional purchases before the Covid pandemic hit the US. I do XXXX XXXX XXXX, since there were no events for more than a year now I have not worked. During that time I and also i have become XXXX and had a back XXXX. Right now I am on SS assistance, I would like to ask XXXX to take off the finance charges and not to apply new promotional interest charges, so I can pay back the amounts i owe for purchases with out going delinquent on this account.

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 2021-04-23
Company: MARINER FINANCE, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX in XX/XX/XXXX and ask for pay to delete my account. And they told me that they would delete the account after it was settled. They never deleted the account off my credit files. They just updated it as paid. I pay this debt on XX/XX/XXXX for the amount of {$860.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Debit card shut off on, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, And more : XX/XX/XXXX, and XXXX This is being done by the Bank of America, under the guise it is for security or fraud. 
Yet, if you look at my purchasing history, well documented, it is the same purchases I have made for years.Shutting debit card off my debit card is XXXX XXXX XXXX XXXXI am a honors preferred client customer labeled by the Bank of America. Been with Bank of America since XXXX. Carry balances in excess of XXXX figures. 
I am a Veteran, XXXX and a senior. 
Bank of America advertises their debit card by, " use it as you want to. '' After shutting down my XXXX XXXX, it was impossible for me to buy a prescription at my drug store. The next to last XXXX XXXX was rude, talked over me, XX/XX/XXXX, I begged her to let me talk and completely IDed myself, but she refused to release the card for use. 
I challenge the bank to listen to that XXXX rude conversation.She went on to accuse me of using the card in an aggressive manner, when I asked her to define aggressive usage she went ballistic.

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 2018-03-21
Company: Nelnet, Inc.
State: NY
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 never sing any agreement with XXXX XXXX with a fake loan about {$45000.00} - I was approved for foebarence with XXXX until XX/XX/XXXX - My loan was about {$52000.00} since XX/XX/XXXX and I was paying about {$340.00} a month. - -- - My loan went down about {$40.00}, 000 in XX/XX/XXXX when I was aproved for foebarence with XXXX. 
- I was qualify for Obama Loan forgiveness after of more then 10 years of payment when I was working for XXXXhe City : XXXX XXXX XXXXXXXX XXXX XXXX however XXXX refuse it. I never have a payment plan when I will make the last payment of my loan. 
- I completed my Bankruptcy chapter XXXX - discharged Ref # : XXXX - Court : S BKPT CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Westlake Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report I notice that this company ( Westlake Financial Services ) are violating my rights as an consumer. My reputation have been defamed which is a violation according to 15 USC 1692 H. I have been harass at all forms and my credit have been misused and abused. As a consumer I have rights and this company is violating my rights as a consumer. The following laws are been violated 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692g. All violations are {$1000.00} per occurrence. I have attached a copy of my License to help identify 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 2020-06-06
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I completed and mailed income repayment plan ( IBR ) documents and verification of Social Security and XXXX benefits to Navient on XX/XX/XXXX. I received a letter from Navient on XX/XX/XXXX. I called Navient to ask why they can not accept our verification of retirement income benefits. XXXX, a Navient IDR agent, informed me that our documents were not acceptable because they were not current. Although, my husbands Social Security verification letter was dated XX/XX/XXXX and my Social Security verification letter is dated XX/XX/XXXX both letters show our current benefit amounts and that these amounts have not changed. 
Documents I submitted clearly show that I have been receiving monthly Social Security Retirement benefits in the amount of {$1700.00} starting XX/XX/XXXX and that I will begin receiving {$1300.00} after taxes have been deducted on or about the third Wednesday of each month thereafter. I also attached verification of my federal ( OPM ) benefits and that amount is {$1800.00}. 
My husbands Social Security Retirement showed that starting XX/XX/XXXX, he would receive {$1800.00} on or about the second Wednesday of each month. My husbands XXXX verification form showed his federal pension amount is {$2800.00}. 

I am just not certain why Navient needs proof of my husband 's income as was in school from XXXX through XXXX and received student loans payments before I married my husband. 
I am just so frustrated with Navient. I was a federal employee for 25 years, from XXXX through XX/XX/XXXX. In XXXX when I inquired about loan forgiveness, Navient told me that they did not have a loan forgiveness program. I inquired again and applied for loan forgiveness in XXXX. At that time, I was told did not qualify for loan forgiveness as I would have to work an additional 10 years from the date I applied for the loan forgiveness program to qualify. I am XXXX years old. I have elderly parents. I needed to retire in XXXX to care for my ailing parents. There was no way possible that I would be able to work another 10 years. This is the second time I have applied for the IBR program. Last year when I applied, Navient gave me such a difficult time and now again, this year, they are putting me through a difficult time. I contacted Congresswoman XXXX XXXX 's XXXX in XX/XX/XXXX and of today, I have not heard from them. Can you please help me resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
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: Account information incorrect

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2021-09-21
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I checked my credit report and found that my mortgage company XXXX which is serviced by Nationstar is reporting my account as closed and doesn't list any of my payments. I contacted XXXX and was told that since I filed bankruptcy in 2016 that they could list my account like that. All of my payments have been made and on time. 
I was told that if I wanted it changed to get a lawyer. I tried disputing this through XXXX but XXXX refused to update the information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 have had 4 accounts from Capital One secured cards trying to be opened on my account. I lost my social around 3 years and I think this might have something to do with it. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These remarks arent letting me get a credit card and Im expecting in less than 6months. Help please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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: Information belongs to someone else

Complaint:
cra violaton inaccurate

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 2019-05-21
Company: Prosper Marketplace, Inc.
State: CT
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:
This complaint is regarding a violation of the Fair and Accurate Credit Transactions Act ( FACTA ) amendment in 2003 to the Fair Credit Reporting Act ( FCRA ) of 1970, in specific violation of the Red Flags Rule ( RFL ) of 2008 by Prosper Marketplace , Inc. in XXXX XXXX, California. 

I was alerted by several different credit monitoring accounts that a hard inquiry had been made on my XXXX credit report by Prosper/XXXX   on Sunday, XX/XX/2019. This wasn't a request for credit that I had made. 

I called Prosper Marketplace, Inc. at the number listed on my XXXX report on Monday, XX/XX/2019. 

I was given the run-around for several minutes while calling Prosper Marketplace, Inc. on XX/XX/2019. But the operator was eventually able to locate an approved loan application with my social security number and name. 

The woman on the phone remarked to me that the application had the wrong birthday and address. This remark alone proves the RFL was violated. 

I then was compelled to undertake an arduous and time-consuming process of obtaining a police report and submitting said police report to Prosper Marketplace, Inc. for the entity to request removal of said inquiry from my credit report. I went through this arduous process simply because I desired that this false and illegal inquiry, violating the RFL was removed expeditiously. 

Prosper Marketplace, Inc. has willfully violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically under the Red Flag Rule ( RFL ) of the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003.

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 2019-05-21
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 we called ditech mortgage because we were not receiving a statement. XXXX at ditech in XXXX Arizona mentioned that she could not send us a statement. our option was to pay an amount that she gave us and include this new mortgage account. at this point I asked for a copy of my agreement/ obligation to pay this company. I am still waiting for a copy of this agreement/ note with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian and XXXX should not be reporting that I am ( 30-60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-06-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
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 dont recognized and Account from Toyota Financial Services that been reported to my credit report. 
Also I was informed that at the beginning of the contract Toyota Financial Services has a wrong social security and they updated later once I tried to contact them about the unrecognized account. 
I sent a Debt Verification letter to Toyota Financial Services and they failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Second Round Limited Partnership, Austin, TX Branch
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent Second round Sub LLC a debt validation letter. They received the letter on XX/XX/21. On XX/XX/21 they sent me a buckle bill. On XX/XX/21 I sent a failure to validate letter and they received it on XX/XX/21. They are still suing me and reporting a debt damaging my character.I emailed XXXX XXXX at XXXX XXXX to try to resolve the matter for XXXX $ but I noted that this is not me acknowledging or accepting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Goldman Sachs Marcus randomly closed my account for no reason, wouldn't tell me why. I had about {$30000.00} in the account, was going to move in more. I hadn't done anything with the account, so it was very surprising. They wouldn't provide any information " for security purposes, '' made me worry someone had stolen my identity. Provided no info -- causing duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is damaging and inaccurate information about me posted on the credit reporting agencies XXXX  as well as XXXX, from a company called Transworld Sys Inc. I repeatedly disputed the information, this company insists its accurate, yet has not provided me with any evidence that I owe this bill. I've never received any Bills from anyone that I'm aware of. They have not provided a shred of validated or verified evidence that I owe this bill, but yet continue to illegally report it. I just received an email from XXXX  saying that the company ( Transworld Sys Inc ) has certified to XXXX   that the information is accurate, and that the damaging item will remain on my report. I want proof!! No one has provided proof. This is a sham!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: DISCOVER BANK
State: NJ
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:
These accounts are not mine and one one of the accounts, these are not my charges. I just noticed these charges. The XXXX account was paid in full!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: Army and Air Force Exchange Service
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir or Madam. 

My XXXX and I are both XXXX XXXX XXXX. When we were reassigned to Arizona from XXXX we filled out the change of address form with the military postal office. However, our mail did not get forwarded and our credit card companies did not receive our new address. This resulted in our AAFES Military Star Card bill not being received for months. The last charges were made in XX/XX/2018, the same month we left XXXX. We made no new charges after that date. I didn't receive any calls, emails, bills or notifications until I got a message from a credit monitoring service about a change in my credit report. As soon as I got the message, I immediately paid the bill in full. I don't believe I have ever been late or not paid the bill in full before -- after having the card for many years. 

We'd like to purchase a home, but the delinquent report on my credit from {$130.00} is going to cost us {$7000.00} extra because it dropped our credit score 30 points. 

Can you assist? 

Sincerely, 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