BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: AR
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:
From : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX AR, XXXX To Equifax Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

1. " DELETE XXXX XXXX  XXXX '' because it is reporting a different Balance Updated date for XXXX  on ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 
2.DELETE XXXX XXXX  XXXX XXXX because it is reporting a different Balance Updated date on XXXX ( XX/XX/2019 ). However they are reporting ( XX/XX/2019 ) in the Balance Updated section on XXXX. These dates are inconsistent. Dont you get your information from the same company? Delete This Violation Immediately! 

Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Included is My Equifax Letter with screen shot of inaccuracies and a copy of my State Id, Social Security Card, Utility Bill, and Least Agreement. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR , XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. Equifax online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of XXXX XXXX. 

I have called XXXX XXXX - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, Equifax is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

Equifax sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Nelnet, Inc.
State: NY
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:
On XX/XX/XXXX, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate, retroactive to XX/XX/XXXX as I recall. 

Despite 0 % and no payments required, I have been paying each month since then. Despite my instructions, Great Lakes Student Loans has failed to apply my extra payments to the principal balance. They claim that they can only apply payments to interest until all interest is paid. This is in direct contradiction with what I have heard from you and from them when I have called in the past. They have applied some of my extra payments ( made prior to this past year ) to prinicpal when I included the extra payment in the autopay cycle. 

I believe they are acting in bad faith and refusing to apply my extra payments to the principal as they should because they never want me to be able to pay off this loan. I took out the original loans in XXXX with DOE via XXXX, 6 loans for a total of $ XXXX. Before I even graduated those loans were sold 2x and again 2x after I graduated. This meant my interest was capitalized ( and my principal balance mushroomed ) before I was even in repayment. I fully paid off 2 of the 6 loans right away, though it appears XXXX illegally kept those loans open with {$1.00} and {$37.00} balances. XXXX I was duped into consolidating onto the PAYE play with a fraudulent and now defunct company called XXXX XXXX XXXX XXXX. 

Despite paying since XXXX, and paying well all the real principal, I still owe 120 % of what I borrowed to to shady practices of servicers like this XXXX. 

I want them to do the right thing and apply the extra payments I have made from XX/XX/XXXX to XX/XX/XXXX to my principal balance. Should they fail to do so, I will have no choice but to pursue any and all legal avenues open to me. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: United Credit Education Services
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up with United Credit Education Services in XXXX XXXX, with the expectation of removing items from Credit Report. I have been with this company for five months and paid {$630.00} and the terms of the contract has not been fulfilled. Today, my credit repair agent, XXXX XXXX stated that she was discontinuing my service because she did not like the fact that I was asking questions about the process, although the company took withdrew another {$89.00} out of my bank account last week. 

Before I contact an attorney, I would like a refund of the {$630.00} that I have submitted to this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I used Discover card bought some items at XXXX, and I returned some on XX/XX/XXXX and they processed my refund to the discover card that I used to pay for it. The card number is XXXX. The Card was closed in XXXX without any reason by discover. On XX/XX/XXXX, Discover Company sent me the Check {$210.00}. I didnt see the check until XX/XX/XXXX. And I called discover Card company, they said theyll sent me a new check, but I didnt receive the check all the time. 
In XXXX I called discover company many times, also fax my information to them. they either said they can't find my account or they said they'll call me back, let me wait. But they didn't call me back nor issued me the new check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In recent days, a collection agency named Portfolio Recovery has reported a collection account on my credit report. The Fair Debt Collection Practices Act states that a collection agency is required to provide me with a 30 day notice prior to reporting a debt on my credit file. The collection agency did not follow this protocol, and just reported the debt without contacting me, nor giving me an opportunity to answer for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: SANTANDER BANCORP
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX XXXX, the mortgage account number is XXXX. This loan is with Banco Santander de Puerto Rico. 
At XX/XX/2015 I was working a Loss Mitigation process with the Santander Bank in Puerto Rico, at the same time the bank was filing motions to the court with the intention of executing the property. In This case the debtor was submmited the Loss Mitigation Package complete and the bank indicated the alternative was aproved are a payment plan but at the same time the bank and your legal representation submmited to the court a motion in continue the foreclosure process. This action is in total violetion with the Regulation X and incurred in " Dual Tracking ''. 

Respa indicated the following : " The rule restricts dual tracking, where a servicer is simultaneously evaluating a consumer for loan modifications or other alternatives at the same time that it prepares to foreclose on the property. Specifically, the rule prohibits a servicer from making the first notice or filing required for a foreclosure process until a mortgage loan account is more than 120 days delinquent. Even if a borrower is more than 120 days delinquent, if a borrower submits a complete application for a loss mitigation option before a servicer has made the first notice or filing required for a foreclosure process, a servicer may not start the foreclosure process unless ( 1 ) the servicer informs the borrower that the borrower is not eligible for any loss mitigation option ( and any appeal has been exhausted ), ( 2 ) a borrower rejects all loss mitigation offers, or ( 3 ) a borrower fails to comply with the terms of a loss mitigation option such as a trial modification. 

If a borrower submits a complete application for a loss mitigation option after the foreclosure process has commenced but more than 37 days before a foreclosure sale, a servicer may not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, until one of the same three conditions has been satisfied. In all of these situations, the servicer is responsible for promptly instructing foreclosure counsel retained by the servicer not to proceed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Winklevoss Exchange LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I set up an account with Gemini over a month ago. Around XX/XX/XXXX. I have been waiting to get verified with them for over a month now and until i get verified I cant withdraw my money thats on my account with them. Ive emailed them numerous times and i get no response. My money is locked onto there platform until Im verified and they have given me 0 responses. Feels like Im getting ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Information belongs to someone else

Complaint:
After reviewing my credit report, I found numerous inquiries listed that I did NOT authorize or give permission to. This was a direct result of malpractice or an error.

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 2021-03-31
Company: EQUIFAX, 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:
Good evening, Upon checking my credit report i noticed a handful of fraudulent accounts and inquires on my credit report. II have never had any contact with theses banks on my credit report. Also, I noticed my date of birth is incorrect. I was born in XXXX. I was not born in XXXX. I do not know who these account belongs to but it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: OH
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 have requested that my freeze be removed permanently. My name is XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX My XXXX XXXX. My SS XXXX. 
Please remove any and all XXXX freezes at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
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:
XX/XX/2017 I had pulled my credit I sent dispute letters to This company the original furnisher and as well and the 3 credit  bureaus. They only sent me a bill stating that this debt meets FCRA and is in compliance. I had sent a second round of letters asking why they had pulled my credit without my knowledge as well as. what exactly was this because. this was not consumer debt. 2 other Bureaus deleted it because it was one not mine and secondly because it was not consumer debt. it was a judgment for a tenant with same name as me. My social Doesn't match. and on this web site it shouldn't be there. 


https : //www.experian.com/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 non-monetary relief
Consumer complaint received 2018-03-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone got hold of my information and opened up lots of accounts in my name and now I have a lot of negative information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: N.A.R., Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This furniture company is refusing to remove this collection although it has been reported closed and charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Utah System of Higher Education
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I met with a Legal Aid lawyer about my loan with XXXX. I am unemployed, and can not afford to pay this loan.I try my best to make ends meet to feed, clothe and house myself and my XXXX children, but paying this loan makes that impossible for me to manage. Legal Aid helped me to fill out a REPAYE application on XX/XX/XXXX which was faxed to XXXX, my servicer for my federal loan. At the end of XX/XX/XXXX, I received notification from XXXX that they could n't process my application for REPAYE because my loan was in " paid ahead/deferred status '' I contacted XXXX and cancelled the deferment. They still refused to process my REPAYE application, and told me I used the wrong form ( the one I  used was the official Department of Education form ) Because I received a bill that was due on XX/XX/XXXX, my attorney recommended I contact XXXX and have them put my loan in deferment/forebearance temporarily. When I called, XXXX told me that " the Department of Education eliminated the option '' to stop payments temporarily. This is ridiculous. XXXX seems determined to deny me my rights under federal law and DOE regulations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Resurgent Capital Services L.P.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX, LVNV FUNDING LLC, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, LVNV FUNDING LLC, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have ask this company to provide documents that shows I owe them money or been in business with them but they have failed to provide such documents. they jus claim that the information is verified but have failed to provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 Paypal deducted {$1300.00} USD from my PayPal account. 

With the following message : {$1300.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

But the problem is that I don't know what exactly Acceptable Use Policy I violated and they refuse to answer specifically what I violated that gave them the right to debit that amount of money from me. Without a specific explanation I am unable to see if I truly owed them this money or if it was stolen from me. PayPal refuses to answer questions with specific answers, instead the speak in generalities like " Acceptable Use Policy Violation ''. 

I want someone from PayPal to call me at XXXX and explain to me specifically what I did to authorize them to deduct {$1300.00} Paypal has ZERO real customer service and I have the documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 is information on my credit report that does not belong to me that is the result of identity theft. The account is from 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 non-monetary relief
Consumer complaint received 2018-07-02
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a dispute with Citibank regarding a My Best Buy Visa credit card account ending in XXXX. Citibank filed suit against me in the State Court of XXXX XXXX and the case was settled out of court before trial. Citibank agreed to remove this account from my credit report. I submitted a dispute with XX/XX/XXXX and the supporting documents from Citibank 's attorney of where Citibank agreed to remove the account. I received the results back today and the item remains on my credit report and XX/XX/XXXX refuses to remove the account from my credit report even though the creditor agreed to remove the account 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 explanation
Consumer complaint received 2018-07-02
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently found out that there was unauthorized charges on my credit report that did not belong to me or belongs to someone with a similar name. I Approached XXXX  and XXXX  and told them that these did not belong to me. Through a bit of effort it was removed from these 2 credit bureaus succesfully. XXXX on the other hand has been extremely difficult to get ahold of online as well as on the telephone. Eventually after spending 20 + hours on the phone with XXXX  I filed disputes regarding collection from the agency " XXXX XXXX XXXX ''. No resolution has been made my experian for these fraudulent and unauthorized charges on my credit report. It has been extremely difficult to pursue this issue with experian as contact from them is minimal and they are not doing the correct research. 

XXXX report # Report Number : XXXX

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