BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a bankruptcy filed onto my personal credit report dated back to XX/XX/2012. My husband must have filed without my knowledge or I was told that it could have been that when he filed my name was attached to accounts included. He takes care of all of the debts and I was unaware of the bankruptcy. I tried to get a credit card from XXXX XXXX and I was informed that they would not allow me to get one because of the bankruptcy. I tried to dispute it and the bureaus would not remove it. I even reached out to the courthouse and they sent me back a letter stating that they are not reporting the item. They attached this website to proceed with a consumer dispute. The odd thing is that my husbands credit report does not show he filed for a bankruptcy and I am the one that has never had any debts or credit. My credit report reflects this. The credit bureaus informed me after submitting the courthouse document through XXXX that the item was deleted. Then, on the website it alerted me that the bankruptcy was re-instated. I also submitted a document from the XXXX XXXX. The XXXX requires new and existing public record data to meet certain criteria in order for them to appear on your consumer credit reports, including : The public record data must have your name, address, and either your Social Security number or your date of birth. The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. On my credit report it is not showing the required information from the courthouse reporting it. There is no name, no address or records. I will attach : Letter from Courthouse, XXXX laws, Proof that nothing is reporting on the report as required and that they deleted and re instated the item without informing me. I am not responsible for the Bankruptcy and it does not show required information by law. ( there is no balance attached to the reported bankruptcy ) It has a {$0.00} balance and the credit bureaus have not complied with any of the laws. Also, by law the credit bureaus must inform you that they are re-instating an item and the bureaus did not do so. None of the laws have been complied with, yet, I still have the item on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
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:
Experian what is your METHOD of verifying MIXED data when investigating inaccurate information on credit files and what METHOD did you use to verify and insure the information that you are reporting on my credit file is NOT mixed data. I have requested this information through certified letters. Please provide your Method of 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
Consumer complaint received 2018-09-11
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
Words can not explain how frustrated I am with EARLY WARNING SERVICES! The response that I received from the company is ridiculous! All that I received is an automatic response to my complaint stating " that the fraudulent account was verified ''. Still I have no type of original proof of contract signed between XXXX XXXX and me! or any type of paperwork! EARLY WARNING SERVICES is most definitely breaking the law ( FCRA ). I feel as though they are taking advantage of hardworking citizens such as myself who try their hardest to keep their credit report clean! by continuing to report inaccurate information on my credit file, and tarnishing my name, harming my credit worthiness and adversely affecting me as a person I will take take further litigation action if this company does not Freeze my credit file and remove these fraudulent accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-30 DAYS LATE XX/XX/XXXX -30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One Auto has reported false unverifiable information on my credit for five years. Disputing the information has not been updated or any changes after each dispute. The payment history, dates, & amount owed is incorrect. Capital One refuses to fix the errors so Ive requested they delete the items from all three credit bureaus. There has been no changes and the repossession was from three years ago is being reported as repossessed last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MN
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:
The Opposite of closed is open nice try Equifax try that Stunt on someone that dont know any better but I do. Remove the following accounts from my credit file you did not conduct a proper investigation therefore you must remove XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Close cant report but open can horse and dog XXXX remove the account listed above NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX never enter any consumer credit transaction with Consumer ADJ for them to have my personal information. Pursuant 15 usc 1692 this is infringement upon my consumer right to privacy. By Consumer ADJ obtain my personal information without my consent Consumer ADJ have committed Fraud and Identity Thief. Furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can't do business with other business and banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.

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 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.

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 2020-10-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed into believing that I was being helped. I bank with Wells Fargo. 

A man had written me a check for {$2200.00}. He said I could keep XXXX of it as long as I sent the remainder to a " colleague '' through XXXX. On XX/XX/2020 I had sent over the first transaction for {$500.00}. Then the next two days I had also sent an additional {$500.00} both days totalling {$1500.00} for all three. On XX/XX/2020, the check that I had deposited was marked item returned unpaid and my account was down in the negatives. I immediately filed a claim with wells fargo. For a week, I did not hear from them. Then I was receiving all of these emails and notifications for bank fees, during which I had no money. Then today, XX/XX/XXXX, I was locked out of my online banking. For hours, I had to gain access to my account again. During a final phone call of the day, the woman on the phone with wells fargo had told me that there was nothing they could do since it was authorized through XXXX. I do not find this to be fair or just that a scammer can get away with my {$1500.00}. I had asked if I could at least get all of the bank fees that had occured due to not having sufficient funds on my account, but I was not granted so.

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 2020-12-23
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:
I have disputed these same accounts last month. These accounts are not mine. Please remove them. I am not a credit repair company nor a mortgage company.

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 2017-12-06
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, Diversified Consultants Collection agency reported a balance to all three credit Bureaus ( XXXX XXXX XXXX XXXX XXXX. I 've just learned that they reported when I pulled my credit report on XXXX/XXXX/XXXX. I 've called the collection agency several times since XXXX, and they refused to remove the collection from my reports. I 've called all three credit bureaus since XXXX and only XXXX has taken it off. TXXXX XXXX XXXX will not take it off and stating that the collection will remain on my report for 7 years. I can not afford for an {$0.00} balance collection to be on my report for 7 years. I am trying to buy a house in the next 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-04
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I had my van loan financed with ALLY Financial with an ACH debit from my credit Union. My last van payment in the amount of {$360.00} ( after 7 years of financing it ) was made on XX/XX/2018 with a balance of {$14.00} left to pay, which I attempted to pay over the phone twice and online twice. ALLY rejected these payments. 
On XX/XX/2018 ALLY drafted another van payment in the amount of {$360.00}. 
I called and emailed them from their website numerous times. After 3 weeks they reimbursed me the amount of {$350.00} and subtracted the amount of {$14.00} from the {$360.00} they drafted from my account on XX/XX/2018. I received the title to my van at the beginning of XX/XX/2018. 
I checked my bank account on line on XX/XX/XXXX and saw that ALLY took out another automatic ACH in the amount of {$360.00}. I called and emailed them from their website on XX/XX/XXXX. The representative stated that the payments made to them did not show up on their end or on my account.They requested that I fax them my bank statement proving they they took the money out. Friday XX/XX/XXXX I sent them an email from their website and attaching my bank statement and a email to them. On Saturday XX/XX/XXXX I went to my bank and they faxed the bank statement which showed tht they drafted {$360.00} from my account. I checked my account with ALLY on line and it does not show that they took the extra van payments out, but my bank statemnet and balance shows they did. The bank told me that since the ACH agreement was between me and ALLY they ha to close it out.Otherwise I can pay the bank XXXX to unauthorize the draft. But, why should I have to do that? Don't these people communicate with each other? Who else have they donre this to?

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 2019-07-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company sent me a debt collection letter. Payments were made electronically and received on time. This company is a interim loan company since ditech went out of business.

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 2019-07-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
chase bank froze my account and stated they would permanently close it. all this after i filed a claim for {$80.00}. they still insist to close it. now ... .they are trying to freeze it over {$1.00}. i deposited the dollar yesterday. there was {$80.00} credit from the claim which i reversed. Chase not credit the account {$1.00} to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Lending Club Corp
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: Account information incorrect

Complaint:
We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent verification letters to all three bureaus and never received a response. The original letters were dated XX/XX/2021. Today is XX/XX/2021. This far exceeds any 30-45- or 60 day window the bureaus could have. The FCRA Clearly States that if the disputes are not addressed in a timely fashion ( typically 30 days ) the inaccurate items must be removed. 

Please instruct the bureaus to remove the accounts at once based on the laws. Particularly FCRA 15 US Code 1681i. It's unfair practice and hurting my ability to lead a normal life.

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 2018-03-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a zales account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and XXXX reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, Equifax received my dispute of account number XXXX, { {$3000.00} }, with agency number XXXX with Equifax XXXX I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in  violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom it may concern : It appears that my payments with Navient are not being posted correctly and it has been going on for well over a year, but I just noticed it recently. I have called Navient twice in the last couple of weeks for two issue. Once on XX/XX/XXXX and again on XX/XX/XXXX, and they still have not been able to post my payments correctly. On XX/XX/XXXX I was informed that issue # 1 would be resolved by XX/XX/XXXX. Today is XX/XX/XXXX and its still incorrect. Today my loan payment ending in XXXX from XX/XX/XXXX is going towards the principal, but what about the previous 14 months? At the rate I'm paying on my loan my entire life since nothing ever goes to the principal. 

Issue # 1 : I made payments on one of my private student loans for the last 14 months, and not XXXX XXXX has been posted to the principal, so I called them on XX/XX/XXXX when I identified this. My mother called on my behalf and spoke to the customer service rep, and she said that about {$500.00} a month goes to interest, and my mother said to her that I paid {$950.00} in XX/XX/XXXX, why did all of it post to the interest? The representative was unable to answer for a minute, because the call was scripted, and the rep didn't know what to say except " yes, that doesn't seem right, I will get this account reviewed. 

Issue # 2 : I made automatic payments through my bill payer with my credit union on 3 loans with Navient on XX/XX/XXXX, and as of XX/XX/XXXX, they were not posted. I called Navient on XXXX and the Customer Service Rep said they were not posted yet, but to check back. Today when I checked, the payments had a post date of XX/XX/XXXX. They manner in which they have posted my payments appears incorrect. I had this issue in XXXX, and it was due to a " grouping '' per Navient, and supposedly Navient fixed that, but it appears broken again. How am I to validate this posting is correct. Its frustrating to call Navient because the customer service reps are scripted, and do not even listen to the issue. 

Please know that contacting and dealing Navient is very stressful and frustrating. I had similar issues in XXXX and it took months to resolve. They sound robotic and systematic with any phone calls you make to them. They try to get you off the call with an unrelated response. I have asked my mother to assist me because I work full time and Navient is closed when I get home. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
My loan with XXXX XXXX  was in Forbearance. Before the end of the Forbearance period, in XX/XX/XXXX, I sold the property and the loan was paid off. XXXX reported my loan 90-days late in violation of the C.A.R.E.S. Act. I contacted Nationstar by phone on XX/XX/XXXX when I checked my FICO score and was shocked, and sent information to an email address provided by the CSR. I received no acknowledgement or response, and the message did not bounce. I followed up on XX/XX/XXXX by email and still have not received any correspondence from 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