BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: Nelnet, Inc.
State: MA
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:
HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
One XX/XX/2018 I sent a letter to XXXX XXXX XXXX requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Talbot, Adams, & Moore, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent in a letter of dispute and creditors neglected to mark my credit report as disputed. Creditor is not licensed in my state to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: TX
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:
AFTER WORKING WITH A LAW FIRM : Unsolicited letters reopening old accounts that are paid for such as XXXX XXXX about XXXX  loan over 10 years ago including applying for credit and calling in for free report and denied by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Credit Karma, LLC
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 information incorrect

Complaint:
According to my credit report of today XXXX XX/XX/2019 my credit report is still showing as me owing XXXX XXXX and XXXX XXXX. However, when I took out a mortgage i had enough money left over to pay, a Bank Loan, and these 2 credit cards. I called up both of the credit card companies and paid off these loans over the phone. My bank statement clearly states that these amounts were taken by them on XXXX XX/XX/2019. On my credit report it says this was updated on XXXX 2019, therefore these amounts should show as 0 but they dont. The bank loan is showing that I overpaid by XXXX but at least they have cleared my bank loan from the credit report. 

I do not understand why it is still showing on there that i owe this money when it shows on my bank statement that they were both paid on XXXX XXXX. This could effect me getting future credit and also badly effect me when i come to go for another mortgage deal on my proper in a few years time. I am not holding out hope anytime soon that they will update this credit record. XXXX ( Now Credit Karma ) i was told was a very good credit rating website by a financial advisor - they are clearly not. I can not find anywhere on their web page a place where i can ask them whats going on and why they have not properly updated my credit rating and my credit report. I now only owe money on my mortgage. How can i get hold of the XXXX / Karma credit people and ask why this is not updated. There should be a contact us option like there is with other companies for situations like this as this has a massive impact on peoples chances of gaining credit / mortgages. I would not advise anyone to use this site at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$82.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a loan from my bank this past month to pay off all debts. XXXX XXXX XXXX excepted and closed my account as well as XXXX. Diversified consultants inc. Returned a bank issued check TWICE to a debt that I know is not mine, never had XXXX. They want to all of a sudden come up with a XXXX$ ammount being owed from a place I never did buisness with and now after failing to except TWO bank issued checks and numerous attempts to get this off my credit report nothing has been done. They say this debt is 3yrs11months old. I NEVER HAD XXXX. And they do nothing to resolve this. As I stated for credit reasons my bank sent them 2 checks on my behalf they declined on. Like they don't want to take my money. Which is good because it's not my debt, but when I call they sure want my credit card info. They keep disputing my disputes, I've seen NO proof this is even a valid debt, because its not. I just want them off my credit report and to stop scamming people. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I filed a complaint with CFPB against Capital One 360 over a closing of my account due to 3rd party deposits.The total of the 3rd party deposits is {$9400.00}. But Capital One withdrew {$1600.00} over the total amount of the 3rd party deposits. If Capital.One did a thorough enough job when they did the investigation into the deposits, they would see that 3 of those deposits that they removed were made to ME, and NOT the 3rd party. The 3rd party and I BOTH have unemployment. Whoever handled this issue did not research the deposits thoroughly to check the names of who the deposits were for. They just assumed all Dept of Labor deposits to the account were sent to the 3rd party and then went ahead and removed all of them.That is unacceptable and Capital One should have more competent employees handling issues like this. I have attached the response that I received to my XX/XX/XXXX complaint and underlined the deposits that were made to ME and were removed with no legal right. That was money from the State of Hawaii sent to ME, in MY name and Capital One has no authority to take those deposits from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 wrote a letter to the consumer reporting agency on XX/XX/2020 disputing an account that is reporting on my credit file. The consumer reporting agency stated that they investigated and the company XXXX XXXX account # XXXX verified the information as accurate. I received a letter from XXXX XXXX on XX/XX/2020 which they clearly states they are unable to locate a record of the account I requested debt validation. This company has did not do its due diligence in investigating.

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 2018-10-02
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:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be  compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , Equifax and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. I have made all the reporting credit bureaus aware of the Identity Theft and the Fraudulent accounts and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Greetings, I am a customer of CapitalOne, XXXX and XXXX among others. 

I have credit cards with them. I have been struggling to make my payments because of the pandemic. They refused to lower my interest rate ( XXXX and XXXX have done it ), even though most financial institutions are obtaining access to money for very little or no interest in order to pass this to the consumer and help the people with this pandemic. 

They have not offered me any serious relief nor assistance. 

Please assist. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this 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 2020-12-09
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX, I started a home equity loan with XXXX XXXX XXXX, Client Relationship Consultant, NMLS XXXX, p. XXXX | XXXX. I applied for XXXX, the value of my house is XXXX and my credit score is over 800. I am doing this because I live on a limited income and taxes and association fees keep going up. I am XXXX soon. I have a home improvement lien on my house with the City of XXXX, MN for about XXXX and each year that passes the amount goes down and at some point will be XXXX and forgiven. After all this time on XXXX they sent me this notice, Hi XXXX, Please login and review your Adverse Action Notice. Be sure to review as soon as possible to keep your application moving forward. I logged in and the bottom line is US Bank is saying we can not move ahead because of the loan with the City of XXXX. The City of XXXX is willing to sign papers to take second position on my house, I have talked to them more than once. I also have a line of credit for XXXX, with US Bank with a XXXX balance, which I am willing to close. I did this exact type loan with US Bank 2 years ago with no problems. I feel like their is something fishy going on by them denying me this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
the account was open XX/XX/XXXX the original amount {$13.00}, XXXX this account is supposed to be charged off on XX/XX/XXXX the lender was only to us me a creditor at the time causing my credit score drop. if you can please remove lender from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
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:
I applied for an account on XX/XX/XXXX and was denied but didn't know why since I have never applied for credit. I pulled my credit reports to see what was causing me to be denied and found my dad 's name on my reports along with his addresses. I also found 2 collection accounts that do not belong to me, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account in the amount of {$660.00} appears to have been opened in XXXX at which time I was still a minor and only XXXX XXXX XXXX. Also Account Services ( XXXX XXXX XXXX ) in the amount of {$250.00}, I am not sure when this account was opened. XXXX is listed as an employer that I have never worked for and the last 4 of my SSN is also showing incorrectly. 

I have also filed a report with identitytheft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting another CFPB complaint once again. Again, I was a victim of identity theft and this is my sixth CFPB complaint trying to request to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX, the date of the dispute letter I recently sent. Ive already included this report in my previous CFPB complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Bureaus if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ACCOUNTS resulting from alleged identity theft. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: NV
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:
best buy has been deleted on my acct and has not been removed on the equifax and transunion acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had informed the Business they have the wrong person and no debt on my end but they keep calling my cell phone every day. I did block the number but they leave messages daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased 2/ {$50.00} " Vanilla Visa gift cards '' from XXXX XXXX XXXX XXXX. Tried to use one card for purchase only to learn there is no credit available. Contacted Vanilla Gift cards " InComm Dispute Department XXXX '' ... Was recently advised it will take minimum 90 days for resolution, a total scam..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Jet Direct Funding Corp
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this complaint about this mortgage company called Jet Direct Mortgage. I applied for a mortgage with them since XX/XX/2020 and it took them forever to work on the case, very unprofessional and incompetent. In the end, I ended up losing the deal and wasted time and money at their fault. 

The loan processor and also branch manager ; XXXX XXXX couldn't even do a simple Debt to income ration calculation and kept on telling me I wasn't qualified for the loan meanwhile the formula is everywhere and I was more than qualified. 

My complaint is all together I have lost more than {$2000.00} attorney 's fee etc ... what action can I be taken against them? Also should someone that can not even do a simple DTI calculation be licensed to do this job? XXXX knows how many people she has turned down and make waste time and money which are two things we value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CAINE & WEINER COMPANY, INC.
State: NE
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:
Problem with idenuty theft, fair credit reporting act n fakes reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I sent you a letter on XX/XX/2022 but it's been over a month now I still haven't got a response nor have you guys updated the status of the dispute on my credit report. This time I am seeking help from the CFPB with the hope that you're going to comply this time. This error is affecting me so much.

Company response to consumer: Closed with explanation