BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: Navient Solutions, LLC.
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:
In XX/XX/XXXX, Sallie Mae provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted Sallie Mae on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XX/XX/XXXX) be removed from my credit report. Despite these attempts, a negative report still exists on my XXXX credit summary. Please have this delinquency expeditiously removed from my XXXX, XXXX, and XXXX credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX repossessed our vehicle voluntarily in 2005. XXXX got the vehicle but still maintains we own money XXXX {$13000.00} XXXX on the vehicle and has placed it on our credit report as a write off. We want the matter closed, credit for the vehicle 's value and a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: DE
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 submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXX and XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I did not authorize my credit to be ran on either of these days by any of the companies being shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2018-05-08
Company: CITIBANK, N.A.
State: OR
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:
In XX/XX/2018, I completed a balance transfer to my Citi Double Cash card. At the time, I had my card set up to auto-pay the statement balance on the due date each month. However, I forgot to change that after completing the balance transfer and when the due date came my checking account was auto drafted for an amount that well exceeded my checking account balance. I noticed something was wrong when I got an email regarding the overdraft fee from my bank. I immediately cancelled auto pay for my card via the Citi mobile app. 

I was frustrated to see the same transaction attempted again twice, both generating the same overdraft fee as before. I then called Citi customer service for an explanation and was even transferred to a supervisor for assistance. I was told that Citis policy is to attempt the transaction 3 times before it is returned. The supervisor told me there was nothing I could do to prevent this and that me canceling auto pay after the first attempt did not cancel the 2 subsequent attempts.

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 2018-05-08
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are dates that were 30day past due according to Real Time Resolutions ( These are the dates causes problems ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are 90 days past due according to Real Time Resolutions ( These dates I can't get info from them on ) Real Time had purchased our account and I was never notified. I have had automatic payments on this load since day one. I had continued conversations over and over regarding payments being taken out automatically without a resolution, I would get a statement in the mail with account being late already I would call and pay and ask if this was going to be a bad thing on my account and was told no. They again said the account would be processed automatically with again no resolution, I called to try and get some information on my account and was given attitude about my account over and over. It was in deed not my fault of this continued thinking account being posted automatically with it not being done, It's a XXXX payment and has seemed to cause a lot of problems for us on purchasing a new home. 

I don't feel comfortable speaking with the account reps with Real Time and would like some help on what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018. I wired money XXXX to a bank in XXXX.XXXX XXXX XXXX XXXX. For a house I was purchasing. Come to find out the realtor email was hacked. Causing me to wire money to bank in XXXX. I called Chase bank to report it was a scam. They gave me a investigation case # XXXX. Told me they have to contact the bank in XXXX to get my money back. No good results yet. I have followed up many times. Still no action taken. I want to reclaim my XXXX that was stolen from me. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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:
THE XXXX PERSONAL LOAN ACCOUNT # XXXX OPEN DATE XX/XX/2019 REPORTING ON MY CREDIT REPOR IS FRAUDULENT AND NOT MINE. THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THIS ACCOUNT, THE PAYMENTS ON THIS ACCOUNT ARE FRAUDULENT AND NOT MINE.

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 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX  XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points.  At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted XXXX  and Transunion and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX  XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.

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: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a Collections notice from Monterey Collections dated XX/XX/2018 in regards to a timeshare account with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent them a letter to dispute the validation of the debt owed as well as to inform Monterey Collections that I have made prior attempts to notify XXXX XXXX XXXX XXXX XXXX that I am disputing the validity of this debt and of my intent to cancel this account and attached membership with XXXX XXXX XXXX XXXX XXXX due to the fraudulent misrepresentations that were made to pressure me into signing the timeshare contract. It has been well over the 30 days since I sent that notice back to Monterey Collections and they failed to respond therefore, they need to remove the account from my name and credit files. However, I recently noticed that they have showed up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Investigation took more than 30 days

Complaint:
I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: DISCOVER BANK
State: MA
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:
Discover credit card my limited was {$4000.00} i always pay recurring from my bank account I have balance pay off never use the credit card for some reason credit get increased notice when login my account noticed discover continues taking money monthly call discover ask way continue taking money if pay off my balance customer service say the have very high balance I try to explain is impossible because a pay complete total amount with my tax. Customer service person said my credit was increased new car was send to my address never revive new card ask for investigation person send me new car never use this investigation went to south XXXX court district discover never presented to court day. XXXX and XXXX hotel send me letter apologize my information was Sposed never think some use identity moved get letter need to present to court. I try to login to my discover account to print my statement approved to see whenre this charged was made discover remove my access denial my privilege to login into account. I ask if that my account a have Right to get stamenst see what happen, I call discover multiple times asking for send me by mail old statement begins to the end was denied to send to me. Only need to pay the balance I submitted XXXX and XXXX nothing get resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: U.S. Auto Sales Inc.
State: AL
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:
This company failed to verify the account in the disputing process within the provided time of 30 days. XX/XX/2021, U.S AUTO Finance opened a closed account on my credit reports, as well made a payment on the account on my behalf and lowered the balance. This is unethical behavior and they are taking advantage of consumers and our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: ENCORE CAPITAL GROUP INC.
State: IN
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:
In XX/XX/2016 I applied for a XXXX XXXX credit card online, in response to my application I got a message saying I would get a letter in the mail with their decision in 7 to 10 business days. I never heard from them and didnt think of it again. ( I moved to Indiana 3 weeks after application date ) I have recently been getting notices from a collection agency ( XXXX XXXX  ) saying the card is past due and has {$800.00} balance. I never got this card, I have been trying to work with midland and they told me I need to have an official report and other then that havent really helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: NY
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 XXXX  ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. Experian only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... XXXX didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and XXXX. The delinquency was not my doing.

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 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of Identity theft and XXXX, XXXX, and Transunion is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.

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 2020-07-02
Company: EQUIFAX, INC.
State: NY
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 XXXX ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX  until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX  only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... Equifax didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and Equifax. The delinquency was not my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Synovus Bank
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: Their investigation did not fix an error on your report

Complaint:
Synovus Bank of XXXX GA is fraudulently reporting that I have a credit card with them that has gone into settlement as of XX/XX/XXXX. They reported that I've been late since XXXX of XXXX. I opened a Synovus credit card in XXXX which was closed and went in settlement and was legally settled over 10 years ago. They have now just put it back on my credit file as if I just settled the account. I've called and spoken with the credit department and they admitted fault but will not respond back any longer to my calls nor will they remove. There are several recorded calls of me talking with them and their admitting to get the matter resolved. It is my suspecting there is someone in the company fraudently hiding or stealing money and looking to see who has old settled accounts and filing that as renewed bad debt with the IRS. I disputed the errors to XXXX  and called and spoken with one of their supervisors who also recognizes Synovus error. They have the phone calls recorded too but no one has taken action to remove fraudulent reporting. Both parties are responsible for poor consumer practices and have total disregard for one 's credit well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: IN
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 reached out several times to XXXX and the other credit agency 's regarding several inaccuracies on my credit reports. Multiple letters were sent with the inaccuracies and a copies of the credit the report. 
I called XXXX and was told they didn't have access to my credit report from 3 months prior and my credit score is computer generated??? All of this is confusing as these companies dictate how and where we live, what kind of car we drive and everything else we need to continue through our lives. The people I spoke to that represent these companies were not able to explain to me in a clear and concise way what the problems were. 

I am far from perfect and have made a lot of mistakes in my life but we are allowed to fix our mistakes. As I try to fix my history of mistakes I need my effort to reflect that. With these companies I have not experienced that reflection. For the first time in my life besides my student loan, I have less debt than I have in YEARS.!! Yet my credit score continues to plummet. I have several issues and I will send what I have on this computer but I may have to mail other documents. This has been going on for months. Any Help with this matter would be greatly appreciated. I just want to make sure these companies are being held responsible for there action as the control peoples lives. 
I can't find a home due to all the inaccuracies, as you can imagine this is very STRESSful.

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 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/18 but still reflecting late payments. I called XXXX on XX/XX/18 and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/18. I need this corrected ASAP as I am applying for an apartment on XX/XX/2018.

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 2021-03-05
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: Account information incorrect

Complaint:
My XXXX XXXX XXXX loan for {$15000.00} has not been reported properly. My XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2020 missed/late payments were due to the pandemic and my account should be updated as such.

Company response to consumer: Closed with explanation