BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-28
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I had a private student loan with Citibank, which has been a problem for years. After being told it was placed in deferment while I was in grad school, I later found out that I was not eligible for a deferment after months of not bills, phone calls or any contact from the company to inform that the account had been marked as delinquent and turned over to collections. I worked out a payment plan with the collection agency and later settled the debt. I have l letter stating that the debt has been settled but Citibank continues to report that my account is past due. This has affected my credit to the point that I am unable to buy a car or get approved for a mortgage. I need this fixed immediately or I will seek legal action and ask for damages. I have disputed this with credit agencies who insist that Citibank is correct in showing that I owe them money. I have attached a letter from the collection agency stating that this account has been settled and the collection agency confirmed this information with Citibank. This is the fourth time I have had to file a complaint against Citibank concerning this matter and their inability to do due diligence and report accurate information and honor their word.

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 2019-06-28
Company: Riverwalk Financial Corporation
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:
I attended XXXX College from XXXX in the Wind Energy Program. I was set up with a loan managed by XXXX Colleges ( who is apparently no longer in business, along with XXXX College/any other colleges they managed ). 

I chose to pay off the loan early in full in XXXX of XXXX. 

However, on a credit report I received in XXXX of XXXX, I had a " negative '' item affecting my credit/on my credit report related to this loan. The information on the report is as follows. Original creditor : XXXX College. Credit Limit/Original Amount : {$1500.00}. Collection Agency : DeVille Asset Management.  Status : Paid, Close. Payment History/Month Opened : XX/XX/XXXX. Payment History, Month Closed : XX/XX/XXXX. 

From the information above, some company related to my loan filed me for collections but then immediately closed it a month later - because I paid my loan in XXXX. Although this isn't showing up on my current XXXX XXXX credit report, a lender who I am getting a mortgage loan through did find it and it is affecting the interest rate I can get for that loan. 

I want this removed from my credit history completely so it doesn't affect anything in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Spoke with XXXX the initial debt holder. Returned equipment and the bill was settled. Spoke with collection agency told them it was settled years ago. Contacted XXXX again and they informed me it was closed and would be removed from credit report. I contacted yhe collection agency and explained to them. Yhey said ot would be removed from my credit report. In addition, this is debt is from XXXX and is very old. I can not understand how they would try to recollect years later.

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I would like to inform you that I have unrecognized accounts in my report. I do not know these accounts and they are still reported. I gave time to this and I thought bureaus made investigation and soon these accounts would be deleted however they are still in my report and basically you are my last hope to push this situation towards deleting the accounts. Please check my situation and my profile, figure out the reason of misleading information and delete them as I am in need currently. I o not know the origins of these accounts and they are not mine, I do not recognize them

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 2021-07-19
Company: Experian Information Solutions Inc.
State: MD
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:
Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from Experian for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and Experian and XXXX  BOTH conveniently stated that they only received

one letter. ONE LETTER!! Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And XXXX  didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate information!! 

Thank you!

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 2019-06-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2019 at XXXX XXXX we received a call from WALMARTCARD. We do not have a Wallmart card and should not receive calls from any XXXX number as we are registered on the do not call list. Our caller ID indicate the number is XXXX The came in on our home number XXXX. 

Both our cell phone number are on do not call lists and we continue to get calls about paying off student loans and eliminating credit card debt. We have never had student loans or excessive credit card bills. Our number are XXXX and XXXX. 

Can you please have these unwanted calls stopped? It is unacceptable to get a call at XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Bureau in violation of Several FCRA aswell as the 49 CFR 801.56 and the GRAMM-LEACH-BLILEY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency stated that this debt is from 1998. I didn't have a student loan from this date. I asked for the original paperwork that states the amount and the loan they said they would try to get me this to me but im still waiting to receive the papers. Also I have two collection agencies coming after me for one student loan. There is no working or speaking with this company, they have to be the best rudest nastiest people alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions Inc.
State: CT
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:
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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a voice mail message threatening me ( using incorrect first name ). I was told all communication was documented and legal action would be taken unless I called today. The caller identified herself as XXXX but never identified the company she was associated with. 
I check my credit score monthly and my bank/credit acccounts several times a week - I have NO delinquent credit accounts. 
I have the voice mail message if needed. The phone number left was XXXX, ext XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: Apothaker & Associates, PC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency stated that this debt is from 1998. I didn't have a student loan from this date. I asked for the original paperwork that states the amount and the loan they said they would try to get me this to me but im still waiting to receive the papers. Also I have two collection agencies coming after me for one student loan. There is no working or speaking with this company, they have to be the best rudest nastiest people alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: HW Holding, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt and when I called to inquire about it they said it was a debt of XXXX XXXX and would give no explanation of why its in my credit. When I disputed it through XXXX they claimed it was a legitimate debt but it is not. It is not mine. I am not married or even related to that person. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of XXXX and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: SUNTRUST BANKS, INC.
State: AL
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:
Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of Suntrust and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting 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 2018-01-28
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My original debt was {$19000.00} in XXXX  after XXXX of paying the minimum payment of {$130.00} remaining balance is {$16000.00}. It shows a difference of {$2300.00} which only went to interest ... ( USURY ). 
On XX/XX/XXXX they raised the minimum payment to {$400.00} without notice of increase or phone call.

I called Navient customer service XX/XX/XXXX at XXXX XXXX eastern time and complained about the unannounced increase and only received offers to other payment plans that only lead to the same results of not ever paying down the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX, {$97.00} was deducted from my account. This is the normal amount. I received an email on XX/XX/XXXX, indicating my bank rejected the payment. I sent an email to XXXX to inform them that my payment did not fail. Even included a copy of my bank statement. Email was responded to by saying they needed more info. I provided info via email and phone. Was told they are using a new payment system call back Friday. Today, XX/XX/XXXX I received a email saying payment still not credited. I called immediately afterwards. They are closed. I sent an additional email and bank statements again. And told them this is fraud on their part :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Bank of America NA closed this account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. On XX/XX/XXXX I sent them a letter certified XXXX XXXX XXXX XXXX XXXX which was confirmed received. 

The letter was written because not only do the continue to report an account that has been closed for 8 years, they actually reported a credit limit increase on this closed account! 

These errors are adversely impacting my credit rating. They never responded to this letter and when I called them they had no record of receiving the letter..

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 2019-06-29
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Real estate property : XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I would like this information to be entered in my credit report as far as my home address, my employer, and my real estate holdings all this need to be updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX overcharged my account for orders that I paid for an XXXX tried to charge my capital one credit card. When I canceled the items that were not processed capital one stated that I would get a conditional credit within 3 days back to my account but in fact the funds are not placed back an my account is missing the funds but the funds are in my account until XXXX answers back. I had a situation happen to me last year with my information an my accounts someone is doing it again on my other an capital one is not doing anything to protect my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions Inc.
State: ID
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:
An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: EQUIFAX, INC.
State: ID
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:
An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been sent to collections for a {$30.00} payment which I should not be responsible for. At that time I was covered under the state of Nevada  XXXX and had no copay for any 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 2019-06-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My original student loan in XX/XX/XXXX was {$35000.00}. Over the years I made payments and also had my taxes garnished but the total just kept getting higher. In XX/XX/XXXX I got a call from XXXX XXXX of XXXX XXXX Ext. XXXX. She told me that I since I was a single mother and that my loan was so old, I was eligible to reduce the interest rate of 9 % and to have all the penalties and interest removed after I made 5 payment in a row. XXXX XXXX at XXXX # XXXX XXXX walked me through all the paperwork and told me not to worry about all the legal speak and that before I knew it this would all be behind me. My loan is now at {$130000.00} still at 9 % and I just got an email that if I don't sign a new document my payment will be {$1600.00} per month and a everything will capitalize on top of the old amounts. When I called to ask what was going on the customer service person told me that I should be careful of what I sign. She told me to call my senator or contact the department of education. That I should pay {$5.00} a month. Meanwhile, I am devastated and don't know how to even begin to tackle this debt. I feel I was defrauded by XXXX/ Navient and I met others where the exact situation took place. I feel so foolish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Looked at my credit report onXX/XX/XXXX and noticed a new account. The account is under MIDWEST RECOVERY SYSTEMS. I called the number today XX/XX/XXXXand spoke to a representative and he informed me that the debt is for a payday loan that I took out in XX/XX/XXXX from a company called XXXX XXXX in XX/XX/XXXX. I have never heard of the company nor did I take out any payday loans. The representative told me that e would do a debt validation letter and I should receive a letter in the mail. This company has contacted me before claiming that I owed another payday loan from another company a year ago that I disputed and I had it removed.

Company response to consumer: Closed with explanation