BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/XXXX I ordered CR ( credit report ) from Experian ( as I have been doing since XXXX, ( I have this report from XXXX ) ), XX/XX/XXXX still not rec 'd. Experian asks every time if one has lived same address for two years, ( actually eight years now ). Called XXXX XXXX (??? ) on XXXX, person XXXX told me it takes sixteen " business '' days, ( never has before ). I asked her WHEN sent, she didn't know, asked WHERE it was sent, " to your address ''. Also, XX/XX/XXXX ordered CS ( credit score ), ( first time ) from XXXX. Rec 'd CS on XX/XX/XXXX, six days later. Still no Experian CR. I called every number I could find for Experian but could reach no real person except in XXXX XXXX (? ). Again called Experian, person XXXX very knowledgeable, compassionate, helpful. I did ask her, congenially, where the XXXX is my CR? Told me typo in my address, extra digit added in numerical portion address. Eventually, after checking further, she told me four letters incorrect in my street name, also. I am extremely protective of my info, I am extremely concerned, distraught, and scared now. When I hung up I called the US Postal Service where, I was told, the letter would have been returned to return address which I assume is XXXX XXXX  XXXX XXXX TX XXXX, same as my CS return address. So, why has not ANYONE from Experian who rec 'd my CR in Texas, nor anyone from Experian ANYWHERE contacted me? And further, where the XXXX is my credit report? Twenty-five days after I ordered same? Historically Experian has been the only CR worth applying for although I order from Equifax and Transunion also. I did ask XXXX yesterday, XX/XX/XXXX, to send me a report again. So to reiterate, where the XXXX is my original credit report? Why do I still think I can trust Experian with my personal and financial information?

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 2021-05-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I moved during Covid worse in XXXX XX/XX/2020 and was told not to come in to XXXX  store to return cable box i hung on to it never heard back from them even though I still am a customer ... they sent it to collections named XXXX XXXX XXXX it dropped my score 98 points after being alerted of this by Experian I called XXXX and went in returned the box worth {$59.00} ... I was never told this would go to collections I was told to hold on to it I need this REMOVED from my reports not just marked as paid COLLECTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
X/XX/17, amount 626.00, advised will file bankruptcy and unemployed. The company repossessed the car, and kept changing the requested amount dates as X/XX/17, X/XX/17, and now was advised of another date. The customer service representative was very irate and refused to give me a date of the extension for XXXX. I advised I have XXXX XXXX XXXX and need to speak with the supervisor he was not available. She made me feel uneasy, harassed, and not secure to pay that amount of money with someone that aggressive. I ask for the dates she refused to tell me. No empathy, lack of referencing the notes to notice In going to file bankruptcy and I 'm unemployed. Very aggressive first party collections practices they call me 3x a day which it should be only two if left a voicemail. I feel like I being harassed for something I can not control anymore since they took the car.

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 2023-05-03
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've submitted my XXXX application to Mohela by faxing it to XXXX several times starting XX/XX/XXXX and most recently XX/XX/XXXX. I have my confirmation sheets. Everytime that I call Mohela, they say that they do not have my fax and that I should re-send it. Also that they can not look my information up to see what is happening because my loans are not with them. They tell me to call my XXXX XXXX, but my loan servicer sends me back to them because they say that they are not facilitating the XXXX program. I am getting the run around both ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 is reporting incorrect information on my TransUnion and XXXX  report how can the same account show different data last activity on TransUnion is XXXX XXXX times late 30/60/90 1/2/4 XXXX  last activity XXXX XXXX Late 30/60/90 0/2/4 Also charge off dates different XXXX And month reviews are different TransUnion 72 XXXX  73

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 2021-03-27
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Synchrony Bank-Care Credit Impersonating Representative for phone contact for account closure Mobile cell porting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2020-09-14
Company: World Acceptance Corporation
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:
World Finance Corporation is reporting inaccurate account balance information on an account that was charged off in 2016. There's no way two years later that the account is in collections for a balance on a closed account. I have disputed this over and over again. This company can not provide any information about the origin of the account and why they are trying to collect on a closed account. This is a fraudulent company that is scamming consumer out of money on closed account. When the information is disputed they provide the reporting agency false information pertaining to the account. This needs to be removed from my account before I'm forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: NC
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts.

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX DEPTEDXXXX  Account number : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Resurgent Capital Services L.P.
State: NV
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:
According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that LVNVFUNDG is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). And they are reporting this as an open account, but they are a collection agency and I never made any agreement or contract with them. They are in violation in more than one area and need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please remove these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, INC.
State: NC
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:
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance. 

XXXX has responded with an update as of XX/XX/XXXX. Document attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Ordered software XX/XX/XXXX Scheduled delivery XX/XX/XXXX, not needed too late and refused it. 

I chatted with XXXX many times and left message with 3rd party supplier # XXXX letter rebilled {$29.00} because info not supplied. Whay info? 
I explained dispute in my complaint to cfpb XXXX and XXXX I did not get or take possession of merchandise Please re credit {$29.00} and send me response from XXXX when received. 
Does your policy still stand if not heard from XXXX in 90 days then credit is permanent? 

If I see response, I can then see if security guard signed for package. 
All deliveries must go thru condo security card and then we notified I have not received any notification at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
never notified of the debt, straight to my credit now my credit has gone down and collection debt stays in my credit for 7 years?? thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, Chase Bank placed a hold on several joint accounts. Chase received a warrant from the Michigan Department of Treasury to garnish funds from accounts associated with XXXX XXXX. The accounts that are at Chase Bank are Joint Accounts. The joint account holders are not liable for the alleged debt. The joint account holders are an innocent party in this matter and Chase Bank needs to release the hold. 

Account Number last four digits : XXXX {$440.00} XXXX {$150.00} XXXX {$25.00} XXXX {$490.00} XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Sterling Infosystems Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I opened an issue before and got an email you were not able to send complaint to the company for a response ( XXXX ). Not sure if I filled it out wrong or did not provide enough info. I will add more now. 

The background check company Sterling ( Sterling Infosystems, XXXX XXXX, XXXX XXXXt, XXXX XXXX, XXXX XXXX XXXX ) ran a background check and provided to a company that I did not authorize. It seems Sterling operates under multiple names ( see above ) so it is difficult to find who to talk to. 

My employer ( XXXX XXXX XXXX ) told me I had to fill out a Sterling form online, but when the consent box popped up there was no way to say no, it asked for my name to be typed in so I just put 'no ' that I did not consent. XXXX is saying their system just assumes everyone consents and they in no way need to have written consent, just being on their site implies consent. In summary I did not provide written consent. 

Also the disclosure forms were confusing the name of the company requesting the report was not one name but two companies " XXXX XXXX XXXX '' was the name on the disclosure. I am a current employee of XXXX XXXX XXXX, but I assumed the check was only for XXXX, which is who I thought requested it and that XXXX would not get or take actions against me because of the report. I work for XXXX, but was told to fill out the background check to be a XXXX contractor in a XXXX facility. But it turns out both companies got the report ( as per Sterling ). 

Based on the report XXXX is working to revoke my employment. 

I have emailed with XXXX XXXX who is the director of Compliance at Sterling email ( XXXX ) phone ( XXXX ext XXXX ), but she is saying no written consent is needed for background checks.

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 2019-03-07
Company: AES/PHEAA
State: MH
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/2019, I sent my IDR Recertification as required, including my entire tax return to XXXX XXXX. On XX/XX/2019, I received a document stating I had not sent all required information. I immediately called and asked what was required, and the agent said there had been an error and they would send my documents for review again,. As I didn't hear from them two weeks later, I called again. They didn't know anything about my previous call 's results, and they said again that I had in fact sent all required pages and they would review it. Two weeks later, I had heard nothing, so I sent an email requesting follow up. I immediately received an email of links to the FAQ but nothing actually relevant to my problem. 

After one week with no further response, I called again, This time, it was claimed that my documents had been reviewed both times but I had not received the results I wanted. Note that I had received no notification of these supposed decisions. I was asked for other proof of income. I have uploaded these documents but received no confirmation of receipt. I also have no confirmation that I will not be required to pay the full amount in XXXX when my IDR expires. Moreover, if my IDR is calculated based on pay stubs rather than my income tax return, I will end up being billed more because my deductions will not be considered. This is fundamentally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy inaccurate over the statue of limitation chapter XXXX and chapter XXXX dismissed never filed or completed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CFPB, I am attaching a letter of explanation that I sent to BBVA Compass Bank  concerning my credit card. You will be able to see that all payments to them have been made on time, they are not giving me credit for my payments for as long as 9 days and then charging me late fees. One of the late fees caused me to go over my {$2000.00} limit by {$4.00}. I pay my bills through XXXX XXXX XXXX, all of my creditors are paid with in 24 hours or the next business day. In the case of a mailed check to Compass from XXXX XXXX to 9 days to give me credit for my payment is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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: Public record information inaccurate

Complaint:
I have disputed this erroneous information from XXXX XXXX and Bk chap XXXX before

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 2019-03-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The Navy Federal Credit Union has not been able to issue a XXXX for the various accounts I have in this Credit Union and I need to complete my Federal and State Income Tax Returns for 2018 and other income reporting. 
For several weeks I have called their support information and they keep pointing me to a one line at the end of the monthly statements where they indicate how much I had received in interest for the saving and money market account for 2018. They failed to add on the amounts of interest earned in the CDs I have. 
This one line summary is not a XXXX that I can submit to IRS. 
I have spoke to a Manager in the phone and gone repeatedly to their location in XXXX, Virginia, nothing seems to work. They repeatedly indicate that the only way they can issue a XXXX is by sending it via US Mail. And they do not send it. hey keep send me again and again my monthly statement.

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