BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/2018, my application for discharge of my federal student loan was approved on the basis of my XXXX  XXXX  XXXX  XXXX, and canceled my obligation to repay the remaining balance. Please see attached letter. The letter states that a total of {$300000.00} was discharged. 

Following my receipt of this letter Trans Union and XXXX  reported that the loan was closed and reflected a XXXX balance. This raised my credit score to over 800 and " Exceptional. '' XXXX  continued to reflect the balance was over {$330000.00}. I filled two disputes with XXXX. Both times the results came back with a higher balance and lowered my credit score by more than 30 points. When I called XXXX  they said I needed to deal with the lender ( XXXX XXXX ) directly. When I called XXXX, they said, " The process takes a very long time, but the loans have been discharged. '' Now All three credit bureaus reflect the XXXX account is open, with a balance of {$330000.00}, which is higher than what my XXXX balance relfects on XXXX XXXX website - {$330000.00}, which has not changed since XX/XX/2018, and is in fact incorrect. 

My question and complaint is, how and why did the account show closed and a XXXX balance with Trans Union and XXXX  and never with XXXX? 
Why now, do all three agencies report a balance of {$330000.00}, causing my credit scores to drop considerably, when in fact the loan has been discharged since XXXX XXXX and a balance of XXXX should be reflected on all three credit reports?

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 2021-02-24
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: Account status incorrect

Complaint:
XXXX XXXX continues to report to Equifax ;XX/XX/XXXX and XX/XX/XXXXthat I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Ascension Point Recovery Services, LLC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt owed was from my brother who passed away XX/XX/2018 and I told ascension point that there was no estate. They told me the situation was closed and that a LETTER would be sent to me stating so but instead I received a bill today XX/XX/18 for my deceased brothers debt in my name. They can say what they want but this is a bill not just a letter like they said on the phone. Now I have to go hire a lawyer to make sure that they did not put it on my credit report like the reviews have said they done to other people. What they sent is clearly not just a letter like they said but a bill with my name listed. I have already made contact with XXXX law firm who is also handling other lawsuits against ascension point recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 



XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Navient Solutions, LLC.
State: SC
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:
I have been paying on 1 of my student loans with Navient but instead of the payments going to the balance, my payments have been going to late fees and interest. The problem with that is whenever I have been late in the past, the fees and interest were added to the previous balance. Therefore by Navient putting my payments towards those fees and not reducing the balance I am paying for them TWICE. Not only that I have 2 loans and I have chosen to pay off the smaller loan. The fees aren't that much but instead Navient is putting my payments towards the entire amount of both loans even though I have specified exactly which loan I want my payment to be applied to. Since XX/XX/XXXX until XX/XX/XXXX, I have paid a total of {$1200.00} of that amount {$630.00} have gone to interest and late. fees. The total amount that should be paid on Loan 1 is {$1500.00}. How can Navient ADD late fees and interest to my account and then submit my payments only to those fees but my balance does not decrease? Also, since I am given the choice of which loan I want to pay off what right does Navient have to put my payments where they want them to be? Not only that they report to the credit bureaus every month that I am NOT making payments.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: AXOS FINANCIAL, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have called Axos XXXX/Axos Bank on several dates since XX/XX/2021 concerning a withdrawal in the amount of XXXX that began on XX/XX/2021 and has been pending since as well as a deposit that began on XX/XX/2021 for XXXX. It is important to note that the deposit of XXXX cleared from my bank account at XXXX XXXX XXXX XXXX XXXX XX/XX/2021. I am very concerned since this was a change of platforms not of companies yet there are several issues with me being able to access my money. I am also concerned that they will " lose '' my money if I asked to have it transferred to another bank. In total I have a little more than {$24000.00} in this bank and I am very concerned I will lose access to my life savings. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I had credit card fraud, for {$68.00}, I called cardholder services reliacard # asap. I was on hold for an hour. Finally spoke with someone, however, everytime I got a rep on phone, I was either hung up on by accident or disconnected. 5 hours on hold everytime I call! If course, they cant call you back, so you have to start all over again. Before they inactived my card I said let me go to atm & get the money out. I did, then went to food store & by the time I got home, another fraudulent charge occurred for {$110.00}. I called & they inactived my card & sent me another card. A week went by & I have utility bills that need to be paid. I had {$420.00} and I went to use it & was declined again! I check the app & now I was fraudulently charged now, {$100.00} 4 times!!!! I was wiped out!! Got new card & without any notification, it was inactived & without any notice or instructions sent, I was to send by fax only, Drivers license for ID, social security card & W-2 form. I had no money so I could use a fax machine at an office supply store. I had {$2.00} left on another card. I faxed 3 forms of ID. I was told it wasnt legible. It has been XXXX! I was robbed, fraudulently charged {$600.00} & I can't take out the money I have on my card! I'm stuck! I finally found a fax machine h sent 3 forms of ID & all the documents that was mailed to me in order to investigate these charges & get my money back! No notifications that they received my fax & everytime I call, I'm on hold for an hour. To then get no help & hung up on again! I haven't eaten in 2 days. I have no money!!! I lost my XXXX because of this Pandemic & this card is the unemployment $ being sent. It's only {$170.00} & I have no way to find out any information on the status of ANYTHING!! I have to call & wait an hour & pray XXXX dont get hung up on or disconnected. THIS MONEY IS TO HELP US & I WAS ROBBED & I FEEL LIKE IM BEING PUNISHED! I HAVE NO ANSWERS & I WANT TO TAKE OUT MY MONEY BECAUSE IM STUCK NOW! I HAVE NO FOOD. CAR INSURANCE WAS CANCELED BECAUSE I COULDN'T PAY THE BILL!!! HELP!! I AM GETTING NOWHERE CALLING RELIACARD CARDHOLDER SERVICES XXXX  XXXX XXXX FL 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 2020-09-08
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I was applying for a home loan it was brought to my attention that I had a new collection in the amount of {$1000.00} - original creditor was XXXX XXXX XXXX. I had not received any information from XXXX XXXX in regards to a balance owed. I also did not receive any notice from M Leonard & Associates. I contacted XXXX XXXX and they agreed to remove the account from collection upon payment of {$500.00} which I will be paying today. They also told me that I would need to contact the Collection company at XXXX which is the number my Loan Officer provided me from the credit report. I tried calling several times and the number rings busy or out of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I discovered an item on my credit bureau from National Credit Adjusters regarding a Payday Loan From XXXX XXXX. In attempting a resolution on XX/XX/2018 I requested removal from my credit bureau in exchange for payment, despite belief the loan itself violated the laws of Texas. 

2 employees, including one claiming to be a manager, advised me, repeatedly, that the FCRA prohibited removal of items. I contested this as I know it to be untrue. They persisted until finally admitting it was not the law, and they were unfamiliar with the law, but it was what their company policy stated. When advised that they can not represent internal policy as law they became beligerent. I confirmed the call was recorded and advised I would be filing a complaint. 

Contact with XXXX XXXX advised me, by email, the debt belonged to : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX In investigating this firm by phone number I have found they have had numerous shell agencies over the years, which are repeatedly closed for illegal practices. 

As I offered payment to XXXX XXXX XXXX XXXX XXXX, despite a firm belief the loan was illegal, and they refused, and the collection agency engaged in clear misrepresentation of the FCRA, I believe both to have engaged in illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a collection notice dated XX/XX/2018 from Finex Group LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX This is the address and phone # on the notice. Regarding a {$1200.00} debt owed to a towing company. XXXX XXXX XXXX, inc. 
I have had no dealings with said company and no vehicles towed. Tried to call the number given, it was invalid, recording said I need to " unblock my phone ''. I have no block so I XXXX searched. Says company permanently closed. Had a different # XXXX XXXX XXXX. Same recording. May be a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Wakefield & Associates and a validation letter was sent. On XX/XX/XXXX I reviewed my credit profile again as Wakefield & Associates had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, was ran through Medicaid and not paid and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX Comenity called about a family member, responded to have number removed XXXX, XXXX, XXXX the same issue as above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have my credit monitored. Whenever there are any changes, I receive email notifications. On XX/XX/2020, I received emails from both my XXXX  Credit monitoring and my XXXX  monitoring that a debt collector, I. C. System , Inc., flagged by credit report. I had never received any notification that a debt was attempted to be collected by any company. I didn't even have a reference number. I only had the name of the debt company trying to collect money owed because of my credit monitoring service. I immediately called I. C. System, Inc. and able to verify that its XXXX that wants to collect a payment of {$82.00} dollars. I ask the Debt collector why I had not received ANY notification of a debt owed. The customer service representative told me that they had the wrong apartment number so their letters were " kicked back '' to the company. Therefore, she acknowledged that I received no notification. I asked why they had not called me to verify my address or to inform me of the debt owed and they said that the Company did call my cell phone on XX/XX/2020. However, the company did not leave a voicemail. Also, I have no record of a phone call being received. The company did not have any record of trying to call me after XX/XX/2020. Therefore, the company did not notify me of my debt prior to reporting it and wreaking havoc on my credit report. Instead, the Company waited 90 days after having the account to flag my credit. Now, my credit has been compromised and my high score ruined because of an administrative error due to the company. I do not see how it's fair for a debt collector 's administrative error of trying to collect {$82.00} dollars results in years of hard work undone. I paid the debt immediately. The debt could have been easily settled in XXXX and there would have been no reporting on my credit if the Agency had officially notified me of the debt owed. It appears that the company purposefully waited to report it to credit reporting company so I would call them. The confirmation of payment is XXXX and the Reference number of the debt is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: GOLDMAN SACHS BANK USA
State: CA
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:
I paid my debt in full to this credit card company, Goldman Sachs, Apple Card. I closed the account already as well. But they are still charging me {$69.00} for an item I never received. I have called numerous times, I have lost count. The last time I called them, the representative herself even proved and told me that I had no balance left. But 2 months later I am still receiving statements from them because that same amount is still showing on my balance. This company is trying to steal money and none of the representatives want to help nor understand how to count numbers. I have proof and they have proof that I do not owe them a cent. Still they send me monthly statements with a balance of {$69.00}. 
I have already filed a dispute with them as well and it did not get solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
There are accounts on my credit report that I did not consent to, I have mailed out dispute letters to resolve them with the credit bureuas directly however I am not getting the urgency needed to get these accounts removed. In my industry I have to ensure a positive report otherwise I could potentially face termination! I will not condone this much longer and will seek legal counsel if this matter isnt resolved within the legal time frame noted in FCRA. I do not believe things like this should even happen to people literally just trying to live a simple life and maintain a credible reputation!

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 2020-07-07
Company: COMMERCE BANK
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 have been working with Commerce Bank since XX/XX/XXXX regarding derogatory payments being reported on my credit report. They have indicated to credit bureaus that I have not paid my account in XX/XX/XXXX and XX/XX/XXXX. The account has had a XXXX balance since XX/XX/XXXX, however they report that I owed a {$13.00} on this account and failed to provide statements. I filed disputes with all bureaus on XX/XX/XXXX and contacted the bank. All of the disputes were denied by the credit bureau. Commerce bank admitted the mistake over the phone and removed the {$13.00} ; they said the issue would be resolved with my credit report within 30 days. They would not issue a letter to my mortgage broker in the interim. There was no update in XX/XX/XXXX report so I continued to call them ; no answer, and no update to my credit reports. I have spoken with Commerce Bank, Loss Containment, Credit Dispute,  Customer Service, and their Regulatory Risk Management department. They have admitted that they have made an error however will not remove these marks from my credit report. This has cost me time ; and the ability to purchase a home in a timely manner. This is unacceptable ; no one at the bank seems to know what to do ; my credit report is being artificially lowered by around 100 points and preventing me from moving forward with a purchase without a significant increase in my downpayment amount and a much higher interest rate than I would otherwise have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 



XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: MI
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 have sent n numerous request to Experian about my credit report being inaccurate and things being erroneously reported. I have contacted the creditor as well and was told that they had contacted the bureau of the mistake. Well the information has not been changed nor deleted. I feel as though my rights have been violated I am asking for an investigation to take place with experian. My credit score has been affected due to the wrong information. I first reported on XX/XX/2020. I have been stressed during this pandemic and some things have been delayed, I have also had a financial hardship and need to get my credit back in order. It is really taking up alot of my time to get no results.

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