BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. XXXX  is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus 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 non-monetary relief
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent Equifax dispute letter by certified mail. In this dispute I requested for Equifax to remove erroneous inaccurate addresses from my Personal Identification records. As a result Equifax deleted on XX/XX/XXXX The following addresses : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. 

As of XX/XX/XXXX Equifax has placed these inaccurate addresses back onto my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notification of debt on XX/XX/2020 with no proof of debt. Sent a response letter via certified mail, which they received on XX/XX/2020, asking for proof of debt. I have not received a proof of debt, but they did send me another notice trying to collect the debt at a reduced rate. That letter was received on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 'm an XXXX Graduate from XXXX XXXX XXXX, and financed my education through a loan offered by XXXX. The loan repayment began on XXXX XXXX and I 've been paying timely on a monthly basis. Since XX/XX/XXXX, XXXX let me know that it was possible for international graduates to pay through XXXX using foreign credit cards. I used that alternative, with my XXXX XXXX, since it was available until XX/XX/XXXX, when XXXX decided to transfer our loans to XXXX XXXX. XXXX XXXX  did n't have the XXXX alternative, but they would receive my XXXX XXXX number over the phone and process my payment since XX/XX/XXXX until XX/XX/XXXX. Recently, when I tried to pay my loan due on the XX/XX/XXXX, the representative told me that " credit card companies would not allow paying debt with credit cards any more, so they could n't process my payment over the phone, but I could use XXXX to pay with my foreign credit card ''. I logged into XXXX and they are basically charging a fee in order to process my payment ( that fee accounts to almost a 5 % of the amount due ). Unilaterally XXXX XXXX  eliminated an affordable option for international students to be able to pay for their student loans, sending us a to another agent who will charge us roughly 5 %. My loan rate is about 5 % yearly and by forcing me to pay through XXXX, XXXX XXXX is practically doubling the interest rate on my loan. First of all, I would like to know if it is true that credit cards companies wont allow debt payments to be cancelled with a credit card as I think something like that would have been widely commented and I couldnt find a single article. Second, I would like to know if it is legal for Firstmark Services to unilaterally select a payment method that represents an indirect +2x increase of my interest rate. And third, what are my rights as a consumer residing outside of the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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: Account status incorrect

Complaint:
On XXXX XXXX, 2017 I contacted Equifax and XXXX regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX, 2017 that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first.
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Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions 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:
I Called Experian XXXX And XXXX XXXX trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have 3 accounts 2 with XXXX XXXX and 1 with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.

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 2020-02-13
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting incorrectly a balance due of {$4300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The past due balance is much higher than the original balance. This account should not even be reporting because the date of last activity was XXXX, 2014. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. XXXX  violates the California Predatory Lending Law as well. This false reporting of not only an amount past due that is incorrect ; it is also reporting on an account that has the date of last activity of 2014. The reporting 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 response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: WELLS FARGO & COMPANY
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:
Noticed account listed on credit file with multiple errors : late payment history, missing data, incorrect balance and unrecognized interest and fees. Disputed account with credit bureau to obtain validation of data being reported. They have knowingly reporte inaccurate, unverified data without proper debt validation. I requested that Wells Fargo provide validation under FCRA sec 609 but after 60 days I have yet to receive proof and this is a clear violation of my consumer rights.

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 2020-02-13
Company: JTM Capital Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile and XXXX XXXX report on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX was still in existence. XXXX XXXX XXXX XXXX was contacted in XXXX and they advised that the account now belonged to XXXX XXXX XXXX/ XXXX XXXX XXXX under acct # XXXX. XXXX XXXX XXXX was contacted and the debt was paid off in full however they have failed to report to XXXX  that the debt has been paid in full, nor to provide me documentation of the debt being paid off although they verbally confirmed this. Since XX/XX/XXXX I have tried several times to get into contact with them via phone call and email however I still have not received any documentation to support the debt being paid and as of XX/XX/XXXX the account has still not been updated in XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I knew I would be having a statement coming at some point, but had not received a statement in the mail, email correspondence, automated messages, or anything. I tried to log in online to create my account but was unable to do that since I did not know my account number, so I figured I would wait until I received my first statement to set up automatic payments. 

Unfortunately, I just got a message through XXXX XXXX monitoring that I had a late payment. That was first I had heard at all about this. So I called Synchrony Bank on XX/XX/20, got my account number from them, and paid the account IN FULL the same day, on XX/XX/20. I expressed my displeasure over this with the customer service representative and he advised me to write the FCRA. I had received no communication regarding payment address, amount, account number, billing dates, etc. 

The account number is XXXX with Synchrony Bank. 

I feel this missed payment should be removed 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 non-monetary relief
Consumer complaint received 2017-07-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX is reporting erroneous inaccurate and absolete NEGATIVE information to my credit report. I was never late on this card payment, please see attached letter of explanation that I sent to XXXX several times and received NO reply from them at al ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Activehours
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I asked for help provided everything they asked of me. They still have n't reset my account. It takes 4 days for them to answer. They do n't use the screen shots I provided. They overdrafted my card and I took a screenshot of policy saying in that case there will be a refund. Please fix this asap

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  and Transunion are reporting incorrectly a collection in the amount of {$2500.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX  XXXX XXXX. The date of last activity on this account is over ( 7 ) years old. Reporting this line item is a violation of the Fair Credit Reporting Act and needs to be removed. In addition, this false reporting of a collection is seriously harming my credit score. I have contacted the bureaus 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 2019-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In an attempt to lower my interest payment on the loan, I made an arrangement with an agent of Bank of America ( my loan financier ) for a bimonthly payment of the the monthly dues 1/2 afront. To that effect I authorized the bank to draw the preset sum of {$340.00} at the start and the end of every month beginning the start of the loan period. The bank requested for authentication and I did authenticate as per their standard procedure and I do have the records to that effect.they started drawing money from my account for a while then for no apparent reason they simply failed to collect, I was informed that I was behind on my payment and needed to come Up with a payment to be up to to date on my loan and did as per their request. Having regularly collected for some Months they again failed to collect and failed for reasons I have yet either my bank or Bank of America had answered me satisfactorily ask for your help for them to do. Now they have come and repossessed my car for non payment of their dues and they have notified me that I need to pay the loan in full to get my car back .I feel this to be an insult to injury, they failed to collect their money for no apparent fault of mine in the first place then they repossess my car on the top of that they demand full payment this I fell is no less than a mob justice and  mob execution that simply couldnt and shouldnt stand here and now. Should there be a need for further evidence and documents to support my claim and complaints I-stand ready to provide you. 

Sincerely XXXX XXXX Pay

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 2022-01-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In XXXX of XXXX a credit card with XXXX XXXX XXXX ( XXXX ) was fraudulently opened in my name. I did not discover this until the fall of XXXX when a collection agency contacted me. I immediately filed a police report and hired XXXX ( a credit restoration service through XXXX XXXX ) to assist in getting this card off my credit report. In XXXX of XXXX we started calling XXXX to get this resolved. Now its been 13 months with zero resolution. 
I have sent them everything they have asked for to resolve, including police reports and other documentation. We have made countless calls to XXXX. Its important to note that 3 other credit cards were opened in my name at the same time with 3 other banks. All of those banks released my obligation within a couple weeks of contacting them. XXXX has all the information to prove it was fraudulent but continues to do nothing. This has negatively affected my credit as we are now in the process of purchasing a new home- the higher interest rates will cost us several thousand dollars. This needs resolved! I am convinced XXXX  is not even trying to resolve as they have all the information needed. 
HELP!

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 2021-09-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Not advised of the options available to give the home back to the bank after a bankruptcy. Was advised account was noted and that was the end of it. Account is now in foreclosure and to be sold when we could have done a short sale to prevent foreclosure.

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 2017-12-31
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient has reported SEVEN of my student loans as previously delinquent. This was recently learned when speaking to my lender about trying to obtain a mortgage. The student loans in question were wrongfully taken out of deferment and Navient will not correct the issue and remove the delinquent remarks on my credit report. I have tried speaking with them as well as disputing the information via the credit reporting agencies. I have been enrolled at XXXX XXXX since XX/XX/XXXX and am not anticipated to graduate until late XX/XX/XXXX, mid XX/XX/XXXX. The only remedy Navient has done is place the delinquent accounts in a current status. 

2 of them opened XX/XX/XXXX, with 4 missed payments, XX/XX/XXXX with 4 missed payments, XX/XX/XXXX with 4 missed payment, and 3 in XX/XX/XXXX with 4 missed payments. 

As a result of their inconsistency and unwillingness to assist an XXXX XXXX veteran, my credit score has  suffered immensely and my ability to get a home loan is now dependent on whether or not they will remedy their previous error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: AL
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 was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2 companies on my Transunion Report that I did not authorize to do any inquiry on my credit report. One was XXXX XXXX and the Other XXXX XXXX XXXX. These have been on my report since 2015. I have asked Transunion to delete to no avail.

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 2020-02-13
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:
My name is XXXX XXXX XXXX. The balance reflecting on my XXXX XXXX Credit Card Account XXXX is not accurate and does not reflect the recent update. Please update account to reflect accurate balance. I have attached supporting documents for this claim.

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