BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed bankruptcy in 2017. At that time, my student loans with Navient should have been discharged as well. They were never discharged and the loans are double the cost of tuition for the university I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
About 2 weeks ago I was looking for a credit card with 0 % introductory rate on balance transfers. I curently have just under a {$7000.00} balance on a card from another bank. I did some research online to find the best card for my situation which lead me to the Wells Fargo Platnium which has 0 % rate on balance transfers for 18 months. ( XX/XX/20 ) I applied online an during the application process I enter a balance transfer request of ~ {$7000.00}. I clicked through and finished the application and when I finished I was instantly approved ( with a hard inquiry ). But, the limit I was approved for was only {$1000.00}. I immediatly called to request a higer balance, obviously {$1000.00} limit will not do me much good if my only intention was transfering a {$7000.00} balance in the first place. Over the phone they told me I must wait 7-10 days for my card to arrive and be activated before I can request to have the balance incresed. ( XX/XX/20 ) Once the card arrives I speak to a rep over the phone and after 30 minutes they deny my request for a higher limit. So I immediatly cancelled the card because it was no use to me. 

In short, they advertised a 0 % rate on balance transfers with no aparent limit, during the application I gave the exact ammout I would need to transfer, they made a hard inquiry damaging my credit report, and approved me for an ammount well below what I requested.

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 2023-08-10
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have sent this company, several letters asking for validation, if they had the right person, the right to collect in my city and got nowhere, no response to the letters, I sent a letter and asked them to cease and desist, contacting me and and stop reporting on my credit report and they are reporting inaccuracies, the company contacted me afterwards after I asked them not to!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV is a collection company. They are listed on my credit reports. Under collections. I have been disputing this since 2016 of XXXX until present day. On my credit reports under comments of this account listed. Sometimes it says its open or closed. It is listed under the collections part of my reports as open. Even though the notes inside of box says closed. It also states under comments FCRA Agrees with consumer and this debt is not valid and account is closed. So I am fed up. This collection company has not only collected money from me in the past because I believed it was mine until I was able to actually look at it and so also knew nothing about credit repair. I thought if a collection company calls I have no choice but to pay it. They have called me at work in 2016 everyday in XXXX for weeks straight and I would tell em I am at work. again they would call either the next day or later that day. 

This account is hurting my credit report and holding me back from maintaining any kind of good solid report. It is also holding me back from obtaining credit I deserve. I have asked all three credit bureaus with my IDTHEFT.gov paper work over and over to remove it. And here it still is being reported. I am reporting to you all three credit bureaus for their lack of response each time to this matter. As well as LVNV FUNDING. I dont deal with creditors. Especially secondary ones from accounts I never had. I would like to be compensated for emotional duress this plays a huge part of my life. It stops me from retrieving good insurance rates as well as personal loan I will be needing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: OH
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:
While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX. I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Fortiva credit card/ was called back in XXXX of 2021, regarding the account being closed and consumer explain the reason for the request to close account, I asked for a close out letter explaining my options and amount owed, instead the account was still open to allowing the Fortiva to access the auto payment system of {$55.00} withdrawal from my checking account with XXXX XXXX  XXXX this went unnoticed for several months, until I called customer service regarding the auto payments, and the maintenance fees attached to this account each month.. again I requested the stop payment on the account and the maintenance fees, I left several emails to the customer service/ disputing the charges... I specifically asked in my correspondence that I wasn't happy or satisfied with the services provided, this account was in good standing prior years, now its in default with a negative impact on my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Reporting false and inaccurate information to credit bureau.In violation of Fair Credit Reporting Act.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
In accordance with the fair credit Reporting act Capital One/WALMART, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
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:
This is the third investigation I've contacted the CFPB about regarding this issue. XXXX XXXX has listed me as having a late payment ( s ) when I have never been late on any payment. The error is fixed after submitting a complaint with documentation to support my claim and then the next month the late payment ( s ) reappears again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Albert Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I downloaded the XXXX XXXX on XX/XX/2023 and borrowed {$75.00} that was to be repaid from my bank account on XX/XX/2023 along with a {$6.00} fee. The loan was repaid on time. When you download the app it takes you through several prompts before borrowing offering, savings, investing, etc. You are not given the option to decline but the app says you can withdraw the auto savings and investing and cancel your membership at any time. The membership is {$14.00} per month. I have been trying to cancel the membership since the loan was repaid and the app will not give me the option to cancel. I keep getting an error saying I am unable to cancel because even though I withdrew the auto withdrawal savings and investing they took from my account, I have to wait for the transaction to clear. It is a scam. I have tried to withdraw several times and they will not let me close my account with them. Their practices are unethical and simply are designed to ensure a consumer pays them {$14.00} per month. Please assist with helping me to close this account and stop them from taking money from me every month. Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion keep reporting a XXXX account which is paid in full and has more than 7 years. They report this account with one late payment in 2013. 

I want this account removed from my credit report because the 7 years time frame was up a long time ago.

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 2023-06-06
Company: EQUIFAX, 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:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: TX
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 disputed an erroneous account ( XXXX XXXX XXXX  ) on my Equifax Credit Report on XX/XX/2021. Equifax received my dispute, and to date ( XX/XX/2021 ) Equifax has not responded to my request for this incorrect account to be deleted. From my understanding, by law, Credit Reporting Agencies have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EdFinancial Services
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:
XXXX XXXX College employee XXXX XXXX spit in my face ON XX/XX/2019. I called Human Resources and went to the XXXX XXXX Police Department. XXXX XXXX XXXX sent me a harassing letter to my post office box stating I can not step foot on campus. How can I step foot on Campus went I was never a student at XXXX XXXX College? 

Ed Financial told me to submit police reports the reports are inaccurate account of what happened XXXX XXXX the office that XXXX XXXX brought up to the XXXX County Board of Social Services building where I was applying for XXXX XXXX and housing at the State of NJ office. I turned my back towards my cousin XXXX XXXX and me other cousin XXXX XXXX had the Drug officer XXXX XXXX. Escort me out of the building. I didn't do anything illegal. I just left the building on my own free will. 

XXXX County Police Department XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX Im still being harrassed by my XXXX XXXX, XXXX XXXX at XXXX County Board of Social SERVICES XXXX XXXX XXXX XXXX, NJ XXXX. 

I took XXXX XXXX to court in XX/XX/2019 the Judge XXXX and the XXXX County Prosecutors office stated she did spit in my face I was in the wrong court. Everything is being recorded in XXXX XXXX XXXX Municipal Court. A  scamming city XXXX, Nj.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Albert Corporation
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX me and my husband went to XXXX XXXX in XXXX XXXX, South Carolina. We arrive and XXXX attempted to check us in. She ran my card approximately 3-5 times and was declined. I then looked and my banking app to see what was going on. The charge for {$680.00} was pending. I showed that to her and she told me that there was no charge/transaction on her end. We was not able to check in. We sat in our car for some hours, calling my bank to try and figure out what was going on. We also spoke with the hotel and was told that we could pay and additional $ 200+ to stay for the night. We didnt have that to chance. Hindsight looking if I wouldve paid that and this issue wasnt resolved ( which clearly isnt ) I would have been there with literally {$0.00}. Up until now I have been speaking with my bank ( which is Albert, online who doesnt have a number )XXXX XXXX ( who we initially booked the hotel with ), and the actual hotel itself. They all have pretty much been telling me to contact the other person. Both XXXX  and XXXX XXXX have told me that there is nothing they can do because- XXXX XXXX doesnt have a transaction and XXXX didnt process the transaction. My bank told me several different things. Once they told me it would be 15-30 days, then I was told 7 days, then I was told 10 days the money would reverse back on my card. At this point it has been 2 weeks since we went on the trip. I had to have my brother book and pay for me a hotel ( which I have to pay him back ). I was literally in XXXX XXXX with no money and in debit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  is reporting late payments to TransUnion. I have never been more than 30 days late on my credit card bill this could be an error the months and years it was reported were XXXX, XXXX, XX/XX/XXXX and 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 explanation
Consumer complaint received 2021-03-09
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Currently Shellpoint MTG is reporting a deferred balance on my loan of {$82000.00} that i have no memory of, i have tried to escalate the issue with them multiple times by phone and even via their electronic customer service portal but they do not respond. 

I have lost hope on what to do and how to get the answers that i seek as the deferred balance is half of the outstanding mtg payment of {$160000.00} i ran a deed search and have found that there is nothing there justifying the amount and again no one gets back to me or treat me fair when i try to resolve the issue i need someone to help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation