BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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:
The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor

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 2022-01-26
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: Their investigation did not fix an error on your report

Complaint:
The following ( Equifax, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX  several times asking them to update the payment history and balance on my car loan. They are still reporting that the loan is late and I have been on time for over a year. it is negatively effecting my credit report and my cosigners credit report. I have disputed it with the all three credit bureaus and the same result they say lender confirms info.

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 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent Transunion, XXXX, XXXX multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent transunion ask them to investigate theses inquires and it seems to me like they just give me the runaround.

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 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
When i received my credit report i was shocked i had a 30 days past due in XX/XX/2013 in my capital one account number XXXX, i believe i always made my payments on time when i received the statement, most likely i did not received the statement that month, looking into my account i was never late before or after.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Receivable Solutions, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a patient at XXXX XXXX XXXX in XXXX XXXX, AR from XX/XX/2019 until XX/XX/2019. At admission to the hospital they were informed I was a VA patient and to notify them in order to obtain transfer to their hospital in XXXX XXXX, AR. They failed to do so within the 72 hours timeframe as established by the VA. We informed the VA by phone calls numerous times and were told not to worry about it, that I needed immediate emergency care, and I was set up through XXXX to be treated by a local hospital due to the distance to XXXX  XXXX , AR VA. Consequently, XXXX XXXX XXXX billed XXXX XXXX XXXX and received immediate compensation, leaving a balance due of {$1800.00}, which is their co-pay amount. If the VA had been billed as instructed, their would have been no co-pay. The balance due went to Receivable Solutions in XXXX, SC and we informed them by written letter and attachments, which they continue to not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called Trident Asset Management. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 at XXXX we received an automated call asking to call CAPITAL ONE at XXXX. We can not proceed with having our number removed as there are hundreds of company numbers that lead to this line and the automated call does not give the option to be connected to an operator

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Sub : Citi Bank is cheating the customers not giving the bonus. 
Ref : XXXX XXXX Citi Priority Account endingXXXX XXXX XXXX Citi Priority Account endingXXXX I opened an account with CITI Bank on XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. At that time there was a Citi bank bonus offer of {$500.00} to the customers if any customer deposits an amount of {$50000.00} or more for three months. According to the offer I deposited {$50000.00} on XXXX XXXX, XXXX and I opened the online banking at the time of opening from the bank itself. XXXX XXXX XXXX was the representative who helped to open the account. After opening the account, she had given me a referral offer with a referral ID ( XXXX ) and explained me that if I refer any new customer and the new customer deposits {$50000.00}, I would get a referral bonus of {$300.00} and the new customer would get {$500.00} which is the bank bonus offer existing at that time. According to my referral my XXXX XXXX XXXX went to the same representative XXXX, opened an account and deposited {$50000.00} on XXXX XXXX, XXXX. She showed the copy of the bank bonus offer of {$500.00} and also showed my referral ID to XXXX. XXXX also explained her the same that she would get {$500.00} as the bank bonus and I would get {$300.00} as the referral bonus. 
After the three months, I received my {$500.00} as the bank bonus to my account and in XXXX XXXX, I received only {$100.00} as the referral bonus. When I enquired about it bank says different answers and now says that the maximum bonus is only {$100.00} for referral. 
Today, when I saw the branch manager XXXX XXXX XXXX, he told me that he does not know what happened six months ago and he was not responsible for what the representative had talked me and given me and he can not resolve my problem. 
At the same time my XXXX XXXX XXXX received only {$300.00} instead of {$500.00} as bonus which is also cheating. She opened the account and deposited {$50000.00} only because of the banks {$500.00} bonus offer. 
I request you to kindly investigate this cheating and take necessary action in order to get my bonus from the bank. 
Thanks, 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 2018-12-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  XXXX and the credit bureaus have incorrectly reported a debt on my credit report. They are being dishonest by saying my last payment was in XX/XX/XXXX. This is simply not true. I bet they can not give you anything that shows where I made a payment back then! Nothing could be further from the truth. Because there is no longer a delinquency, the debt should have been removed in 7 years and it shows as a charge-off and they have not removed the old trade line and they should have. The reason they are making things look this way, is so that they can make this look like a recent debt so that it can stay on my credit report to continue ruining my credit for years to come. They did remove the late payments. However, they are also saying that I closed the account on XX/XX/XXXX, which is also another thing that is untrue and dishonest about the way that they are reporting this on my credit report. I never called in to have the account closed. Again, anything they can do to keep an old debt reporting and to keep it there longer that it should be. This debt is supposed to be wiped clean after 7 years. We are into the 10th year, and, they are still continuing to report it inaccurately and they think that I won't notice. Nothing should show past due on the account either because the whole trade line should not be there to begin with. Yet, it shows that I owe {$5300.00}. I don't owe anything.

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 2021-01-26
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am asking for this debt to be removed for a number of reasons. I was never given the right to dispute the validity of this debt. Even though I wasn't given that right to dispute the debt, I have paid the debt in full, the creditor promised a XXXX balance letter which i have not received and the debt is still showing recent and repeated derogatory reporting 's to date. As a result, I would like this matter to be investigated and removed from all credit reporting bureaus immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am trying to withdraw {$3400.00} from my Robinhood brokerage account. All the funds have been settled in my account for at least 2 weeks. 

My account was restricted due a to a previously failed deposit from my bank account to Robinhood. This deposit was for {$5000.00} and when the deposit was returned, Robinhood ALREADY subtracted the {$5000.00} from my Robinhood account. This {$3400.00} still in the account is in excess of that deposit and has nothing to do with the {$5000.00}. 

I have been emailing Robinhood support since XX/XX/XXXX for them to lift the restriction and allow me to withdraw the funds. I am subsequently closing my account because of the incredibly poor customer support - there are many people on XXXX claiming to be having the same issues and lack of response from Robinhood. 

I have sent multiple messages and been in touch via XXXX Direct Messages with their support account who keeps telling me they are escalating my case. However, today they just told me they want me to deposit another {$5000.00} to my account in order to lift the restriction. 

I will not be doing that. I want to withdraw the money which is RIGHTFULLY mine and close my account immediately. 

If my account were negative as a result of that initial deposit being returned they would most certainly report it to credit bureaus and ding my credit report. This is an incredibly shady practice on their end holding thousands of dollars of mine hostage My Robinhood account number is : XXXX Support Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called Nelnet on XX/XX/XXXX to request a refund for some payments I made during the pandemic pause. I asked for a refund of payments made on XX/XX/XXXX through XX/XX/XXXX ( totaling {$4900.00} ). I was told that the refund would be processed in 4-6 weeks and that I could call back for for information once the refund process was initiated. As of XX/XX/XXXX it has been six weeks and I have not been able to get an update. Every time I call Nelnet customer service, they tell me that the refund is still in process and they can't give me any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Specialized Loan Servicing Holdings LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My home was destroyed by an earthquake on XX/XX/XXXX. We put the house up for sale XX/XX/XXXX and we have had many offers and Specialized Loan Servicing Company has delayed and rejected all offers on the sale of my home for no reasonable reason. I owed approximately {$150000.00} on my home when the earthquake hit and the last offer we got on the house was {$150000.00} on XX/XX/XXXX. Specialized Loan Servicing approved a short sell on XX/XX/XXXX and then later rejected that short sell, but approved another short sell on XX/XX/XXXX. We have an offer which has been on the table since the end of XX/XX/XXXX and yet we are still dealing with Specialized Loan Servicing trying to get this offer accepted! I hired an attorney due to the frustration with this company who sent a letter on XX/XX/XXXX demanding that they accept this offer and they completely ignored the letter! I was told by my attorney that it would cost me approximately {$20000.00} to {$30000.00} to bring a lawsuit against Specialized Loan Servicing and I chose not to do so. My husband and I live paycheck to paycheck. When this earthquake hit in XXXX of XXXX we lost over {$200000.00}. in equity and also we lost our home of 27 years. We were forced to live in a borrowed motorhome, a hotel and now we are living in a rented duplex. My realtor and I are so frustrated over the handling of my situation as far as Specialized Loan Servicing. The person whom we were told to talk to with SLS ( XXXX ) does not return our phone calls in a timely manner and we were told at one point that she dropped the ball and had our file on her desk for approximately 5 weeks without handling anything with our file.We are just wanting SLS to do the right thing and accept this offer so that we may get on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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:
1 head u been calling and sending mail to XXXX XXXX they repeatedly ignore me even under the FTC the 609 disputed letter I sent 2 times and other mail 3 times and XXXX XXXX refuse to talk with me and and provided me with any proff of my signed contract or any other documents they are breaking the law under the 609 law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to Santander in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to Santander chat feature where the Santander rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that Santander could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current. He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. BecAuse although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month if there is one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX  again and was denied. 

Again, I just want the correct month that was past due to be showing. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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: Personal information incorrect

Complaint:
I have made several attempts to request deletion of inaccurate information as well as request verification of debt with no response from the bureaus.

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