BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have ten negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: WI
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 refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my total and permanent XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop XXXX points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in XX/XX/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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One has negligently investigated a timely dispute on a card holder 's account. They claim 100 % fraud protection and did not even allow their own consumer a chance to provide evidence during the investigation period. I have abundant evidence that the transaction was fraud and they do not want to take responsibility that their investigation team did not look at all the evidence. Capital One claims that their investigation process is done by contacting the Merchant in a transaction and solely reviewing any evidence from the Merchant. There is no opportunity given by their own customers to explain, provide evidence, or rebut any information provided by a Merchant. Capital One owes a duty to their consumers to conduct reasonable investigations in fraud transactions but they have violated said duty. See attached letter for full information regarding the fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX of XXXX I filed for Chapter XXXX bankruptcy due to undue hardships as result of a divorce a few months after our child 's birth. All creditors included in the bankruptcy filing were notified at least 2 weeks before my bankruptcy meeting of creditors on XXXX XXXX, XXXX. Navient/Department of XXXX was included in this list filing with a total amount of debt to be discharged of XXXX. This included two separate student loans each amounting to XXXX and XXXX respectively which was noted in the 'Other ' section of the XXXX XXXX XXXX. No creditors attended the creditor meeting in XXXX or disputed the bankruptcy. My Chapter XXXX Bankruptcy was granted in full on XXXX XXXX, XXXX. Nelnet/ Navient XXXX Department of Education have continued to bill and contact me all with varying stories stating it will be done in 1-2 days, then that it takes 30 days to process and that I will need to put a forbearance on the account, that my bankruptcy expired on the exact date it was granted, that they could not approve it without the list of creditors attached to/included with the order of discharge form even though no such thing exists, that they have some denial letter in their history ( which does n't exist ) and then that they do n't, giving me incorrect fax numbers, claiming they never received a fax in full that I have the proof of successful submission for, then telling me that ALL federal loans can not be discharged via bankruptcy, etc ... It is true some can not be XXXX but mine was granted under the 11 U.S.C. 1328 XXXX b ) for undue hardship, poverty persistence and good faith ( via XXXX decision of XXXX ). I am not liable for these debts under 11 U.S.C. 105 of bankruptcy code the bankruptcy automatic stay and discharge. I am unable to get them to stop attempting to collect or accept my order of discharge as such and that they are " above the law ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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 is missing that should be on the report

Complaint:
My XXXX credit card account is not reporting on my XXXX and Experian credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting

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 2017-11-07
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX XXXX has continued to harass me illegally after I had written and called XXXX XXXX several times explaining I had lost my job. I fell ONE month behind on excess milage charges NOT THE CAR LEASE PAYMENT after losing my job. XXXX XXXX called me numerous times to harass me about being a few weeks late. She is a psychotic, toxic person. I have all of XXXX XXXX’s voicemails saved for my attorney.XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMind you, before and during these calls I had notified XXXX XXXX in writing and via phone call of what was going on.Also, it is illegal for a creditor for call you before XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: MO
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 have disputed my XXXX XXXX account several times of the past couple of years, and for some reason they keep on verifying incorrect information on this account which I do not understand! They are reporting me late 120 days for three consecutive months which is incorrect and inaccurate reporting! If I was indeed late it should be 120, 150 and 180, but they verifying false information! On my account! The negative months are XXXX and XXXX of XXXX and XXXX of 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 2017-11-07
Company: Jvs group
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they have been calling me for over 6 months. they call me Monday through Friday and during the hours I am at work which are unfortunately the same ones they probably work. my name is not on my voicemail. they have been told to stop calling me. XXXX will all one day and act like my buddy via vm. she will then call me back and start being ugly and demand I call her back. Usually I am called minimum twice a day. today XX/XX/XXXX XXXX called me twice from XXXX XXXX XXXX. she called me at XXXX XXXX and XXXX XXXX and left me voicemails both times. this is common and harassing me and I wish for it to stop and have told them on a couple of occasions to cease and desist but they still keep calling. It needs to stop. Once a day is sufficient and when I am not working I will pick up the phone. Sometimes a third  call is placed from a blocked number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I have been inexplicably been locked out of my XXXX account ( Coinbase.com ), as of XXXX XXXX 2017. 

When I try to log in, it says " Sorry, account temporarily disabled. Please contact support ''. 

I have around XXXX GBP stored in the service across two " cryptocurrencies '', but also in hard cash ( GBP ). I need access to these funds urgently. 

I have not been using my account fraudulently or in anyway that contradicts their 'Ts & Cs ', I am a XXXX resident [ XXXX citizen ], whilst they are a US company so I  have been advised to contact you. 

I have been unable to get hold of their customer services team and it has been 48 hours, I am currently travelling ( in XXXX ) and need access to my funds. 

My customer service 'Case ' ticket number is # XXXX Please advise, Thank you and kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NJ
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 contact XXXX XXXX about a fraudulent account on my credit report in XXXX, call them back XXXX about the same account a XXXX XXXX XXXX XXXX and they notify to me that my social security number those not match this account, I contact XXXX, XXXX and they do not have this Account on my Credit Report, I contact Experian and it show on there Credit Report I let Experian know this account is fraudulent.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: IL
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 have sent Experian 3 letters, XX/XX/2021, XX/XX/2021, and XXXX XXXX regarding two separate accounts from XXXX. They are reporting information that is incorrect stating " paid, was past due 180 days or more '' and reporting history well over 2 years old. This information is inaccurate and is a violation of my FCRA rights. It is damaging to my credit score. I have not received a response in over 90 days.

Ive included copy of credit report for both accounts as well as all three previous letters.

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 2017-11-07
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX or XXXX, I first notified CitiCards by phone about fraudulent charges in the amounts of {$2000.00} and {$1000.00} on my XXXX XXXX XXXX XXXX that posted on XXXX XXXX and XXXX, respectively. I have spoken to at least 20 people in various departments of CitiCards and CitiBank, including CitiPhone, Security Services, and Customer Service. Not once has a single person at XXXX offered me a reference number or case number, let alone a single person or department to contact. 

I was shocked today to be told by a supervisor in CitiCards Security Services named XXXX that the fraud investigator has denied my claim after supposedly determining that the {$3000.00} had been transferred into my bank account. Note that this is completely contrary to what XXXX at CitiPhone ( banking side ) determined on XXXX XXXX when she confirmed my only CitiBank account ( CitiGold checking acct. XXXX ) was fully closed on XXXX/XXXX/XXXX ( after initially being cancelled by me around XXXX of XXXX ). XXXX confirmed there were no successful transfers into my Citibank account, stating attempted transfers were not posted. XXXX made notes in my account clearly stating this, and yet the fraud investigator ignored those notes. I do not have, nor have I ever had, the {$3000.00} or any part of it.

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 2017-12-28
Company: SYNCHRONY FINANCIAL
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:
inaccurate information no knowledge of accounts cra violation please remove from the credit bureau

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 2019-10-09
Company: Hewitt-Capital
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received several missed calls in the last week that led to voicemails telling me I needed to contact a XXXX XXXX back the he was a from a law firm dealing with a pre-legal matter before they file a lawsuit against me. I called him back and spoke with him, he told me he was attempting to collect the money I owed XXXX. That I committed fraud against them and they'd be filing a lawsuit if I didn't make arrangements with him. I told him I wasn't sure what, if anything I could do and wouldn't know at the moment due to a court case with my ex I was in. He said he'd call back next week and see how low he can get it. 
The next week came and I again wasn't able to pick up my phone ( I already explained to him it's our busy season at work and I can't be on my phone ). He left a message again and continued to call 3 more times. He then proceeded to call my Aunt and Uncle and left a Voice mail on their landline saying I was in a lot of trouble and he was trying to locate me. Then said I owed a lot of money to them and I was on the run.

Mr. XXXX not only false identified himself as a lawyer, he threatened legal action, called multiple times including my place of employment and family members, and he actually left messages to my family members stating untrue facts.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019, I filled out an application to have my IRA transferred from Citi Personal Wealth Management to Citibank Retirement Services. It has been six weeks and the funds still have not been deposited into my account. I have lost approximately {$570.00} of interest. Since these two institutions are one in the same, it should not take six weeks.

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 2022-03-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First I decided to see if I was going to do a mortgage modification with a company by the name of XXXX XXXX XXXX out of XXXX XXXX, California but they didn't do anything. XXXX decided to reverse my first and second mortgage applying a {$42000.00} balloon payment. So I've decided to reject that modification despite given them XXXX trial payments of {$440.00}. I've been working to make my balance current, but XXXX decided not accept any payments from unless its all paid at once of {$2300.00}. Right now in my mortgage suspense account has {$870.00}. I've been dealing with this company since they were XXXX and rejected {$930.00} was rejected from my bank account. I'm trying to keep everything current but they won't comply and are always screwing up the figures. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: UT
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:
Experian, XXXX and XXXX are all reporting lates on my Federal Loan accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these XX/XX/2019 lates. I would like all these lates removed from my accounts.

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 2021-10-18
Company: GOLDMAN SACHS BANK USA
State: FL
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:
I paid off the balance of my apple card by goldman sachs in XXXX of 2021 it reported to the bureaus that it was paid in full. This last saturday XX/XX/XXXX they reported that there was a {$9.00} balance ( after the card had been paid in full and account was closed ) causing my credit score to plummet

Company response to consumer: Closed with explanation