BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: DE
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 a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAS HINDER MY REPORT AND I WOULD LIKE THIS OFF MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. 
I was victim of identity theft and contacted by police.

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 2019-08-02
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:
THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to 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 2017-07-10
Company: Navient Solutions, LLC.
State: WI
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:
Hello -- I have a student loan that is being serviced by Navient. I have a subsidized loan and an unsubsidized loan. On Thursday, XX/XX/XXXX I called Navient to payoff my subsidized loan of {$3500.00}. The customer service rep told me that this was possible and proceeded with the payment of the subsidized loan and even congratulated me on paying this loan off. I went to check my account online on Saturday, XX/XX/XXXX and the payment was posted to both my loans versus just my subsidized loan. They paid {$540.00} to my subsidized loan and {$2700.00} to my unsubsidized loan. I called on Monday,XX/XX/XXXX to fix this and I was told that I was given wrong information on Thursday and they ca n't pay off the subsidized loan. They told me that Navient only views it as one lump sum and not two separate loans and federal law states that they ca n't pay off the one loan. The federal governement views it as two loans only. However online under my account details, on the Navient website it states : Ready to pay off this loan today? Here are the amounts : Online {$2900.00} By U.S. Mail {$2900.00} This is misleading the consumer. I was told by phone that I could pay off my account and it even states this on the Navient website. However when I made the payment, they then tell me that I ca n't. <P/>Please contact me with any further questions you have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions 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:
THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2017-07-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient claims there is a debt owed on the account that is due solely because of an unsubstantiated variable interest rate. When asked to review the account, Navient claimed they had the Ombudsman department do a full audit on the account, with calls regarding the alleged delinquency stopped until the resolution of the issue ; however, these action were never taken. Navient continued to call 20+ times ( excessive and abusive ) while the " investigation '' was underway. When asked to substantiate the conclusion of the report, Navient claimed there was no documentation to provide and the account was still delinquent. All requests to discuss with their Ombudsman department were denied and I was, instead redirected to a number of other departments. I have yet to receive answers or documentation from Navient, supporting their claim of an investigation regarding a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
1. This loan was paid off in full 2. There are some missing months for reporting Missing XXXX and XXXX 3.this loan was opened in XXXX it is 8 years old 4. XXXX reported lastly in XX/XX/XXXX 5.XXXX last report was in XX/XX/XXXX 6.comments are totally different from each other

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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: Account information incorrect

Complaint:
I recently had an account start reporting on my personal credit history. I had not had a XXXX account report for many years. I made my last payment and closed my account. On my personal credit report, it shows that I have an open account with XXXX and it was closed and charged off in XX/XX/XXXX. Also, when you open a XXXX account you have to pay {$30.00} upfront and they state that the {$30.00} will be your first payment. They did not consider my {$30.00} my first payment and showed me late and each time I made a payment when my email alerted me, I was considered late and they would add interest. I did not know this at the time but I looked at this document and saw the way they were overcharging me. They never credited my first {$30.00} as they stated and they would send me paperless bills to my email and then consider my payment late even though they were billing me. I have submitted dispute after dispute to both the credit bureaus and the creditor with the address that is located on the credit report. I received a letter from XXXX stating that they transferred my account to another lendor and I should contact them. I have the letter as proof. It also shows that I paid the balance in full and then they added a COFINCHRG of XXXX and a COFINCHRG of XXXX. I was not aware of this. I had no idea that after paying my balance off online and having a {$0.00} balance that they would add any kind of extra charges. They never informed me. You can see the consistent payments on the statement they sent me as well. It was not a charged off account. The creditor has it listed as a charged off on my personal credit reports, I have attached them. And the last date of payment was is showing in XX/XX/XXXX. It shows on the document from XXXX that the last date of payment is XX/XX/XXXX. I sent the credit bureaus this proof as well and they still refuse to acknowledge that it is a fraudulent account that does not match my records. They may have me confused with another person but I never paid my account in a charged off 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
Consumer complaint received 2017-07-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It looks like my name and credit report is mixed in with another person of the same name. I am  XXXX   years old  and have no credit history at all. On my credit reports it shows i have a credit card and that I have reported  XXXX  as a place of residence, which I have never lived. It is causing me to be denied for secured credit cards to begin building my credit because nothing is matching up correctly with the information provided.

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 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on transunion,   XXXX  or XXXXXXXX I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.

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 2021-10-12
Company: EQUIFAX, INC.
State: CA
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - {$1300.00} Payment Posted ( XXXX to Mortgage / Addt {$500.00} to Escrow ... escrow portion never properly credited ). 
XX/XX/XXXX - {$810.00} Payment Posted ( Seems to be system error ) XX/XX/XXXX - ( {$650.00} ) Paid to Hazard Insurance XX/XX/XXXX - {$300.00} Additional Escrow Payment Posted ( credited correctly ) XX/XX/XXXX - ( {$810.00} ) Misapplication Reversal ( to correct system error on XX/XX/XXXX ) XX/XX/XXXX - ( {$500.00} ) Misapplication Reversal ( this should not have occurred ) The original {$500.00} payment to error has not been credited nor has a refund check been sent out. Lender has not accounted for the payment portion nor explained why Misapplication Reversal for that amount happened on XX/XX/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 2017-10-05
Company: American Credit Acceptance, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Open in XXXX closed in XXXX balance {$12000.00} keep changing complained numerous of times still no results, was offered to settle in XXXX for {$1600.00} was a great offer just did n't have the money now the company is reporting ever month to the credit bureaus and the amount is increasing but yet the acct. is closed and charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CCS Financial Services, Inc.
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:
This company has reported negative information to the credit bureaus of a debt with them. It is reported on my XXXX credit file, and my XXXX  credit file. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. I never received the requested information nor any follow up from them. The name of the company is Credit Collection Services. They have reported this negative information to 2 of the 3 credit bureaus. This was originally reported XX/XX/016 in the amount of {$100.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
Credit Collection Services ( CCS ) is still reporting a collection owed on my credit reports even though they agreed to delete the account fully in return for a 50 % settlement. On XX/XX/2020 CCS received a certified letter including a settlement letter and check. The letter stated that in return for a settlement, CCS will delete the account fully from my credit reports. A few days later the check was cashed. They have since reported the account as paid in full, but failed to comply with the settlement agreement as stated. The account is still appearing on my credit reports where it should have been removed fully as per the agreement. I've contacted CCS about this and they have told me the account is closed and they do not do deletions. they are dishonoring their agreement. I have reviewed my credit reports today XX/XX/2020 and the account is still appearing on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
There was a collection account placed on my XXXX credit report on XX/XX/XXXX with a balance of {$1800.00} by Portfolio Recovery Services. The original creditor is listed as XXXX XXXX XXXX whom I have NEVER heard of. It is listed that the account was opened in XX/XX/XXXX. I have not opened or applied for any credit accounts in the past year. This is not my account and I do not owe this company any money. I have never received any written or verbal notice of this account either prior to or after it was placed in collection therefore this has been my first and only opportunity to dispute this. I was part of the XXXX data breach as well as a XXXX XXXX XXXX XXXX data breach. I have disputed this directly with XXXX as well as attempted to dispute it with Portfolio Recovery Services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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 XX/XX/2019 I sent a letter to Equifax notifying them that XXXX XXXX had made an error on my credit with the closed card ending XXXX. As they had incorrectly reported late payments and a charge off on my credit. They said they would investigate, upon investigation Equifax claimed that the company verified the information was correct which according to XXXX XXXX in their response was not so. Instead XXXX XXXX stated that they have repeatedly asked Equifax to remove the negative information and they have ignored them. This leads to my complaint. If the company that reported the information is telling the CRA ( Credit Reporting Agency ) that the information is incorrect! and the client is also telling the CRA the same, why wont the CRA remove the information?! I have repeatedly informed Equifax how their furnishing of this adverse information has impacted me and caused me to be paying substantially high interest rate on credit cards and even being denied credit. Equifax does not care! I sent another letter again on XX/XX/2019. Finally on XX/XX/XXXX, after being denied one final time by a creditor I decided to take the final step by sending the response of XXXX XXXX through the CFPB and XXXX, which clearly states Equifax needs to delete the information ; and Equifax is now telling me that they need to verify my identity. Why? I have sent multiple copies of my Social and Drivers License to verify my identity, however they have decided to take this unethical tactic because they do not want to fix the problem. Hopefully by making this complaint through your agency ( CFPB ) Equifax will actually listen for once and do what the creditor and client has requested to do for the last 6 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capio partners recently reported two accounts to my credit report from XXXX. Both accounts is in the amount of XXXX and they both have the same date of X7. First of all, I was under the impression that the debt was written off since I applied for financial assistance and was approved. Secondly, this debt collection agency never contacted me via phone or US mail in attempt verify this account or collect the alleged amount owed. By law this agency was supposed to contact me regarding the account, given a right to dispute and validate the accounts before reporting anything to the credit bureau per the Fair debt collection practices act, neither of which they have done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I requested three regular ticket from XXXX and XXXX on XXXX XXXX for a trip XXXX  XXXX on XXXX XXXX, the ticket was supposed to be issued right away, but was issued a day later, not allowing me to cancel it within the 24 hours as allowed bu US law, even I asked for it to be canceled. I called XXXX and XXXX I told the credit card usage was unauthorized. 

I was sold a consolidator bulk ticket not a regular ticket, something never agreed upon. 

Few days later XXXX XXXX announced that they went out of business, I contacted them for a refund, XXXX XXXX said that they had a reservation which was canceled but XXXX issued the ticket as cash, and XXXX charged me separately for it, therefore XXXX XXXX didn't owe anything. Capitalone was contacted and they played hard to initiate a dispute, after I emailed their executive department, on XX/XX/XXXX they replied on XX/XX/XXXX that they will initiate a dispute, I never authorized XXXX  to purchase the tickets as cash and never knew that they sold a consolidator ticket. 

Capital One right away gave a hard time. After pressed to open a dispute, I contacted the CA Attorney General against XXXX for making unauthorized charge in my account and fraudulent charge, they put I dispute on and today XX/XX/19 I was rebilled for the fraudulent charge because Capital One does not want to rebill the merchant. They were explained from the beginning that fraudulent charged limits me for up to {$50.00} but CapitalOne said that their credit card division is based in XXXX and only follow XXXX law. I applied, got and always paid to CapitalOne USA, never did any business whatsoever with XXXX.

Company response to consumer: Closed with monetary relief