BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 
Equifax is governed by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to the XXXX XXXX XXXX I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I did not recognize, and have not gave my consent towards.This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately

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 2019-12-04
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
LOAN CARE REFUSED TO MODIFY MY LOAN AFTER MY EXTREME HARDSHIP,
IVE HAD XXXX XXXX AND SUFFER WITH XXXX

I FEEL ABUSED THAT LOAN CARE WILL NOT RESPOND

I WORRY EVERY DAY THAT FORECLOSURE COULD BEGIN

I MUST SHORT SALE MY HOME AFTER OWNING IT FOR 17 YEARS

LOAN CARE COMES UP WITH ALL KINDS OF EXCUSES AND WILL NOT APPROVE MY SHORT SALE; I COULD LOSE THE BUYER

WE VE MISSED 4 CLOSING DATES

THE BUYER HAD TO PAY EXTRA TO SECURE THE LOCK ON HIS NEW LOAN

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 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed my payment to Capital One as instructed in XXXX I sent it normal mail to the address provided for irregular payments concerning restrictive endorsements per their policy. I called after it was sent and they told me they had no record of it.. I mailed my XXXX payment I sent it in the mail certified mail return receipt requested and it was delivered and accepted on XX/XX/XXXX at Capital One payment processing XXXX XXXX XXXX XXXX North Carolina XXXX after a reasonable of time I once again called Capital One and was told after 45 minutes on hold that once again there was no record of my payment.. on XX/XX/XXXX I received a letter from Capital One informing me that they are closing my account because this activity on it is not consistent with their expectations for account usage and violates the Capital One customer agreement.. This is clearly discrimination and violates the fair debt collection practices act 15 USC 1692... USC 15 1611..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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: Public record information inaccurate

Complaint:
Experian will not let me dispute a bankruptcy on credit report States XXXX XXXX XXXX XXXX XXXX Too Old for credit report Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

If they wont let a dispute go through how can I submit further information/details There is a lawsuit against Experian for not responding to disputes but I would rather handle this matter as quickly as possible I have attempted to dispute this bankruptcy every month since 2022 and XXXX and XXXX but have failed each time

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 2019-04-25
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
MRS Associates called my workplace regarding a debt. I have no out standing debts! I told them they were mistaken, became verbally abusive and threatened to tell my employer lies. 
I looked up the company and they have several complaints, I am attaching a print out from the XXXX XXXX Website They are based in XXXX XXXX New Jersey phone numbers are XXXX and XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: PA
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:
The beginning of XX/XX/2022, I received notification from XXXX XXXX regarding an outstanding account with XXXX XXXX XXXX along with payment options to satisfy the {$9400.00} balance. I called and spoke to a representative to request a verification of debt letter. Upon receiving the information, the math was not accurate. I have reached out to XXXX and disputed this account in the past, but was informed the account had been sold to collections and to contact them with any questions. 

XXXX XX/XX/2022, I filed a dispute with XXXX XXXX XXXX XXXX the discrepancy in the amount owed. CFPB dispute number XXXX. Their response regurgitated a lot of known information, however failed to address the error. The end of the response contained a phone number for XXXX XXXX and for me to call with any questions. 
XXXX XXXX, 2022, I called, as per instructed, and was again informed my account had been sold to a collection agency and for me to reach out to them with any questions. 
XXXX XXXX, 2022, I filed a dispute with CFPB ( XXXX ) with XXXX XXXX and submitted the documentation proving the amount owed is not what XXXX is claiming XXXX I added XXXX XXXX in the dispute and they received a copy. XXXX XXXX replied after reviewing the documents submitted, the collection account was sent back to XXXX XXXX. They would cease all collection activity on that account. XXXX has yet to respond to this dispute. 

I have disputed the XXXX account with through the credit reporting agencies and those were closed in favor of the creditor. I was advised to file disputes through CFPB against the CRAs considering the documentation proves my case and the information being reported is inaccurate. In addition, trying to get this resolved with the creditor has proven ineffective as incorrect information was provided to CFPB about calling for assistance, the status of my account, and they have not offered any information regarding the mathematical errors and the amount being reported vs the amount paid on the account, deduction of the amount of sale from car, exaggerated, unexplained fees that contributed to the high amount in collections. I have tried repeatedly to receive clarification on the account however misinformation has left me out of options and with a derogatory negative mark which affects my credit score severely. 

Even without the 23 months of payments made towards the {$14000.00} balance, the vehicle was sold for {$8000.00} added to the amount owed on my craa, the amount exceedes the original plan amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
A few months ago, I received a mailer with a personal code to open a checking acct. The offer was get {$300.00} with a total of $ XXXX in Direct Deposits over the following 90 days. 

I followed the steps, opening the account with the personal code. A few weeks after account opening, I believe I made met the qualifying terms. On XX/XX/XXXX, I called BofA customer service to confirm this. A rep named XXXX did state that I had met the terms so I thought nothing of it. 

A few weeks later, I receive a letter from BofA essentially reminding me to make direct deposits so that I can earn my sign up bonus. I was confused so I called back on XX/XX/XXXX to double check. The representative that picked up was XXXX and she stated that I did not meet the requirements. I believe she wrote an escalation form. I also was forwarded to XXXX who explained that I will just have to check in a few weeks on the decision from the escalation form as BofA is not allowed to call me to provide updates. 

On XX/XX/XXXX, I called to as for updates. A representative named XXXX answered. She could not locate the escalation form and couldn't provide any updates. However, she confirmed that there was nothing to do.

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 monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Rausch Sturm LLP
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:
XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, Rausch Sturm LLP. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning XXXX XXXX and Rausch Sturm. 


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 2018-04-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This is in regards to Navient. 

Last week on XX/XX/10, I made an attempt to reapprove my lower repayment monthly rate. 

I had been informed, I simply need to call back to reapprove my rate. 

I am then told ( while never previously being told this ) - I am no longer eligible for my previous payment arrangement and that I will now have to pay more ( 600+ a month ) ... .we take an expense inventory, the person on the line speaks with their manager, and Im not approved ... 

Supposedly, my co-signers and I can afford to pay. 

I told them my co-signers can not pay, they are declaring bankruptcy, and that I am willing to pay ... just not 600 plus a month ... once they hear that they immediately offer a repayment similar to what I had been already paying and stated they would call me back. 

What happens next? 

I get a letter stating I was rejected ( after they take money ), that I will owe balances, I will have to pay the 600 plus a month, and that there were no other offers any other options, just pay or not pay ( then collections and court ). 


( side note : EVERY time I call- its a different story and I always owe money ... no matter what was previously stated to me ... and all calls are recorded- regardless, I owe money. ) Lastly, they negarively hit my credit even while I was in a repayment program. 

One of the worst loan servicers I have ever encountered. 

I am trying to do right and pay. My co-signers are submitting for bankruptcy and I dont own any assets ... they can try all they want but I wont be able to pay in excess of 600 a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late, on XXXX and XXXX stated that i was paying " Exceptional '' but Experian has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never 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 explanation
Consumer complaint received 2019-01-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
From my bill pay a check was accidentally sent to XXXX XXXX. I doubt I sent it to this payee because it is not directly above the list next to XXXX XXXX which where I am sure I sent it to. ( I say that because recently Wells Fargo sent a check to a company that was not even on my Bill pay. I sent a check to XXXX XXXX XXXX  XXXX and the check from bill was sent to XXXX XXXX XXXX  XXXX. I have not filed a complaint about this issue. I did not get my money back for a couple weeks. So bank kept the money. ) On XX/XX/XXXX I discovered that a check from my bill pay was sent to XXXX XXXX instead of XXXX XXXX. I immediately started a claim to get the money refunded to me. I also notified XXXX XXXX that a check from me had been sent in error. 

Today, XX/XX/XXXX I got an email from Wells Fargo saying that that finds from XXXX XXXX were returned to them. I then looked at my checking account and no funds were deposited. I called Wells Fargo and they told me it still takes 3-5 to processes. The bank sent check to wrong place and kept my money for several days.

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 2023-11-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
send them emails to verify those accounts but they never did any investigations on those accounts. they didn't verify me with anything or write me any letter with any kind of verification mail. I just checked my credit report and it shows nothing was done by the credit bureau. all my information is still there nothing has changed from the last letter i sent to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was on vacation on XX/XX/XXXX and in a grocery store getting groceries. I pulled out what I thought was my bank debt card to pay for the groceries and to get {$100.00}, I accidentally used my Walmart Mastercard card and didn't realize it till after I made the transaction and the store said they couldn't cancel the transaction. When I returned home I made sure to pay more than my minimum due of {$170.00}, and actually made a {$1000.00} payment on XX/XX/XXXX ( 5 days after the accidental withdrawal ) so the extra would pay the higher interest cash advance fee on the Walmart card, and all other money I charged during my vacation. The higher interest and a {$2.00} fee keeps showing up on my statement for both statements following the accidental charge. I messaged Walmart on XX/XX/XXXX via my online account bill pay with them, the replied that I'd have to call or chat online to get the problem resolved. I chatted online with a customer rep and called via the phone tonight, XX/XX/XXXX, and was told by both that I must pay off my entire balance of {$5300.00} before they will stop charging me extra for the {$100.00} cash advance. Please assist me in resolving this issue with the Walmart Visa. Thanks, 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 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX  was reported in my credit reportlatte payment in XXXX, XXXX and XXXX .. this is a mistake because this account was pay off for XXXX XXXX to XXXX XXXX on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: SYNCHRONY FINANCIAL
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My complaint is actually about a creditor that I am not associated with. JC Penny card services has allowed payments to be made from my bank account without any verification that the account belonged to the cardholder. Someone is using my bank to make EFT payments to JC Penny. I contacted them and inquired about what information they needed to take the payment and was told only a routing number and account number. I asked if they required any matching address info or anything and was told no, only routing and account number. So someone can lookup the routing number to a bank and guess account numbers until one works? They said yes, I guess so. Why would a creditor accept a payment from a bank account that is literally listed on paper checks, without any matching info to the creditor? This should be illegal. I now have to change my business bank account information, which I use for our credit card deposits and charges, utilities payments and so on. This is a huge burden that could have been avoided if creditors were required to use some form of two factor authentication to verify EFTs. JC Penny is highly unethical for allowing these payments without proper identity verification.

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