BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I spoken with a representative from capital one credit card company about seeing XXXX hard pulls from there company on my XXXX, XXXX, and XXXX credit report I have two accounts with this company I wasnt made aware that these was hard inquiry Pulls dates XX/XX/XXXX and XXXX XXXX and XX/XX/XXXX. Why was my credit pulled twice in XXXX for one card which I dont recall the representative telling me it was a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted an application to FedLoan Servicing for the Temporary Expanded Public Service Loan Forgiveness program ( TEPSLF ) on XX/XX/XXXX, after making my 120th qualifying payment. On XX/XX/XXXX, I received a letter telling me that my loans were in the process of being forgiven under the TEPSLF program since I had met all criteria for forgiveness. 

It is now four months since I applied for forgiveness and three months since I received confirmation that my loans were being forgiven under the TEPSLF program and I have not heard a single word. I check my FedLoan account regularly, waiting for some sort of movement. I have called to inquire as to the status of forgiveness and am told they have no information for me, and perhaps I should wait for 5-6 months to go by for forgiveness on my loans to be granted before I follow up with them again. 

This delay is unacceptable, especially when a term of the forgiveness program is that one must remain in qualifying employment up to the day that loan forgiveness is granted, and when the TEPSLF funds are finite. I have done everything asked of me to achieve forgiveness, I qualify for forgiveness, yet I remain at the mercy of FedLoan and the Department of Education to process my application. This should not take months and months to accomplish given all the hoops one must jump through to qualify for forgiveness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX and XXXX. These multiple inquiries in are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see pages attached from my credit report. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item for each. 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 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 2019-02-14
Company: LEXISNEXIS
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: Information is incorrect

Complaint:
Lexis Nexis is keeping inaccurate and incomplete information on my Current Carrier Insurance report. I have contacted them and send them all the declaration pages from my auto insurance policies for the past 7 years so they could correct it but they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2018 I received notice that my account with XXXX XXXX XXXX was removed from my credit report and I noticed that it has been reinserted on my credit report. I was never notified that this item was being reinserted and per the Fair Credit Reporting Act the credit bureaus are supposed to notify me in writing within 5 days of the re-insert date. Please have this account deleted off of my 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 2019-08-30
Company: Seattle Service Bureau, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt collection on my credit report that needs to be removed. Per my credit report it's from : Seattle Service Bureau XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX Amount - {$150.00} I have no idea what this debt collection is for. I have XXXX the company and called and they have no record of a debt for me. I need help having this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job in the past and because of that my credit was affected. My car was giving me problems so I had to purchase another car. The dealership charge me more money than the car was evaluate for. And its hard for me to comprehend how capital one charge me an interest rate of 23 % for six years and the payment is so high that I cant even pay it so this car was not even good it starting me giving me trouble and I have to purchase another car. I call capital one multiple times evening can we do use the interest-rate which is 23 % but they kept saying they can not help me with that matter. I want to see how your bureau can you help me with that matter because it really bothered me to see that high interest-rate because my credit is better now I have another call at 4.62 % but this other one thats not even good Im still being 23 % on it and I can not even trade it because the value is so low. 
Please see yeah you can help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
So Wells Fargo charged me and countless others for a charge they shouldnt have and settled on lawsuit to refund those affected. 

I first had the check moved to the wrong address but they sent me letters to my correct address. 

When I called about my refund on XX/XX/XXXX and spoke to mark I was told it would be reissued and it would take 4-5 weeks. 

On XX/XX/XXXX I called to check in it and spoke to XXXX and XXXX. They said it only been 4 weeks wait a little longer. It's all good. 

On XX/XX/XXXX I called because it reach 5 weeks. And was told XXXX never processed the refund and it would take another 4-5 weeks by XXXX. I asked for a supervisor and XXXX told me that because it was late in the week when I called in that I needed to wait just a little bit longer and If i didnt get anything by XX/XX/XXXX the following week to call and check on it. But she would have her supervisor call me. 

XX/XX/XXXX I call again and was told check was processed on XX/XX/XXXX. And it would take 4-5 weeks and no way to make it faster. I was clearly lied too and no one was willing to make it better and I couldnt get anyone higher on the phone.

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 2019-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
After receiving credit card to home address from company i immediately called to request my bills be sent to my home address as well. Bills still unknowingly when to alternative address, causing a 40day past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification  of the original signed consumer contract - any and all accounts you post on a credit report, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-14
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his 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 explanation
Consumer complaint received 2019-02-14
Company: Innovis
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: Personal information incorrect

Complaint:
I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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:
THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO THE BUREAUS AND TO THE ACTUAL CREDITORS, I HAVE SENT THEM ALL THE REQUIRED PAPERWORK, I AM NOT SURE WHAT ADDITIONAL ITEMS THEY NEED FROM ME, I HAVE NO IDEA WHO THE THIEFE IS AND HAVE SNET THEM POLICE REPORT IDENTITY THEFT REPORT AND AN STATEMENT CONFORMING MY PERSONAL INFORMATION. AS A CONSUMER I NEED SOMEONE TO UNDERSTAND ME AND UNDERSTAND THAT I AM VICTIM OF AN IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
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:
I contacted all three major credit bureaus in XXXX, 2017 and alerted them to an ID Theft that I had just discovered had en occurring for many months. My losses are in the hundreds of thousands of dollars is misappropriated funds from my personal and corporate bank accounts. I also filed reports with State ( Local Police ) and Federal Law Enforcement ( FTC ) Agencies and furnished the Credit Bureaus and Every Creditor on my affected accounts with copies of the reports. I further verified the Complete ID Theft and Account Takeover with all three major the credit bureaus who had notified me that all of my personal information and account access credentials were available for sale on the underground web online. Both XXXX  and XXXX XXXX Credit Reporting Bureaus Verified the Complete Identity Theft and complied with the Federal Laws on Credit reporting by Blocking the fraudulent accounts from being further reported. I have also had to file Seven Lawsuits in Federal and State Courts against the Creditors who failed to restore the misappropriated funds to my accounts and I provide Notice of Court Case filings to the Creditors and all Three Credit Bureaus. According to every attorney I discussed this situation with, the Bureaus are Compelled by the Federal Fair Credit Reporting Rules and Laws to Block reporting of the Verified Fraudulent Accounts as well as the Creditors Removing any reports and stopping any further reporting on the Verified Fraudulent Accounts. The Equifax Credit Bureau was duly notified in writing many times over the last several months but until today they have ABSOLUTELY REFUSED to Block any Reporting of the Verified Fraudulent Accounts despite Verifying the ID Theft and Takeover and after receiving multiple Notices of Court Case Filings, which takes the account status from a Verified Public Debt and into the Law Enforcement and Court Domain for  Adjudication and is a Verified Fraudulent Debt. Equifax keeps insisting that they are DISPUTING The Verified Accounts with the Creditors and NOT BLOCKING them from being reported per Federal Fair Credit Reporting Laws. I have filed for Court Injunctions against Equifax for continuing to report verified Fraudulent Accounts as Valid Public Debt and have also delivered Cease and Desist Notices to them to no avail. They are Breaking the Federal Laws under which they are Licensed, Regulated and Operate with Blatant Disregard to those laws. I NEED the CFPB 's HELP in addressing their CRIMINAL BEHAVIOR and Forcing them to comply with the Federal Fair Credit Reporting Laws which they are IGNORING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE CREDIT REPORTING AGENCIES ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO THE BUREAUS AND TO THE ACTUAL CREDITORS, I HAVE SENT THEM ALL THE REQUIRED PAPERWORK, I AM NOT SURE WHAT ADDITIONAL ITEMS THEY NEED FROM ME, I HAVE NO IDEA WHO THE THIEFE IS AND HAVE SNET THEM POLICE REPORT IDENTITY THEFT REPORT AND AN STATEMENT CONFORMING MY PERSONAL INFORMATION. AS A CONSUMER I NEED SOMEONE TO UNDERSTAND ME AND UNDERSTAND THAT I AM VICTIM OF AN IDENTITY THEFT.

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 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion reporting fraudulent and innacurate info that is in violation of FCRA regulations. Also, TransUnion had wasted on average of 2 hours per day, due to uneducated, incompetent, purposely installed customer service reps located in XXXX so that TransUnion creates an impossible process to dispute items. TransUnion should be ashamed of themselves but they obviously won't be because TransUnion goes out of it's way to XXXX the American consumer. They will have their day of reckoning with the department of Justice, along with XXXX. They need to change my report specifically the XXXX XXXX account. I have never been late, nor do I have a balance with XXXX XXXX. Also, they are not reporting my student loans accurately. They will make excuse that they rely on data from company that they receive kickbacks from, when in fact I have communication from respective company 's on my report that states they contacted TransUnion to change info but transunion did not comply. 

Social security number 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 2017-12-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Reference compliant filled and resolved to Bank 's satisfaction. I am still saddled with the product that was fraudulently sold to me. I am still making payments and the Bank is still doing business as usual. 

Respectfully, XXXX 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 2020-05-07
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: Information belongs to someone else

Complaint:
I AM VICTIM, THE CREDIT CARD OPENED UNDER MY NAME AT XXXX XXXX XXXX IS NOT MINE. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED. THIS ACCOUNT AND THE CHARGES ARE FRAUDULENT. I AM A CONSUMER AND I AM VICTIM, I AM SURE THERE IS SOME LAW THAT PROTECTS CONSUMERS LIKE ME WHO ARE VICTIMS, I HAVE SENT TO THE BUREAU AND TO THE CREDITOR ALL THE INFORMATION THAT THEY HAVE REQUESTED FROM ME.

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 2020-05-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XX/XX/2019 Bbva Usa has been reporting that I was 30 days late with my payment which is inaccurater and untrue. Although I have contacted BBva Usa about the issue and was reassured by the branch manager here in the local branch in XXXX XXXX that the issue would be resolved it never was. 
Each time I was referred to someone who claimed that they would resolve the issue but this issue was never resolved. I recently received correspondence by Bbva Usa that my credit card was being canceled due to my low credit scores. I find this strange due to the fact that my credit scores are higher now then they were when Bbva Usa issued the credit card to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I pulled a copy of my credit report and there are address on there that I dont know where they came from. Ive never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX-XXXX XXXX XXXX XXXX XXXX GA, XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. 

My correct address is : XXXX XXXX XXXX XXXX WA, 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 2020-01-31
Company: Nextep Funding LLP
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nextep funding  and XXXX  XXXX  are reporting to my credit that there is amount owed. There is nothing owed by me to thirst companies and I have written emails from said companies stating it was to be removed months ago and has not. This is needs to be fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed this acct XXXX XXXX XXXX several times with Equifax. Each time they say it 's verified. But when I ask them to send proof that this is my account. They never do and they tell me they do n't have to verify this account. By law states that I have a right to see what was verified. This item is dated XXXX/XXXX/XXXX That was 7 years ago. I just got a copy of my updated report and this item is still listed on my credit report as of XXXX/XXXX/XXXX. XXXX is a very bad company and already have several complaint with the BBB. They do not do fair practices and I want this item removed immediately. And I will be contacting an attorney to move forward with a lawsuit against XXXX XXXX. In the meantime I want this company investigated for unfair practices, and I want this item removed immediately. By law this item can not stay on my credit report past 7 years. They know this yet they continue to let this stay on my credit report. Equifax investigated this item and took more than 30 days to get back to me. Equifax is just as bad as XXXX XXXX.

Company response to consumer: Closed with explanation