BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: GREAT LAKES
State: MI
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:
When talking to XXXX XXXX XXXX XXXX ( my student loan service provider ), they tell me I can not apply any over payments towards principal until my capitalized interest is paid. They also said that the interest compounds daily, which means it accrues approximately at {$130.00} a month ( give or take some dollars because some of the loans have variable rates ). I have a couple of problems. 1. No one who assists you with the loan application when you are applying makes any statements about the ability of the loan to compound daily. ( this would be the only loan available that I am aware of that does this, and the only one where you are not explicitly informed of this possibility occurring ) 2. If I am not allowed to apply over payments towards principal, this would also be the only loan that I am aware of that you can not pay down the principal with extra payments. I have been on an income driven repayment program. This past year I was only required to make {$85.00} a month payment. ( When I set up the auto-payment earlier this year, no-one mentioned that the interest accrues at {$130.00} a month. ) When I set up my auto pay, I wanted to start dropping the principal, so I elected to pay more, {$170.00} a month. I also elected to have the extra applied towards principal soooooo the interest accruing is less because I am knocking down the principal with almost {$100.00} extra a month. Now I learn as I am about to reapply for my income driven repayment program that I am " not allowed to pay down the principal ''. It all does not seem quite legal and the information provided when applying for the loan as well as setting up auto pay is inadequate and surely seems to violate consumer protection laws. I figure I would start here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: MD
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2021-06-02
Company: Verisk Analytics 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: Investigation took more than 30 days

Complaint:
I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and LCI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and LCI had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and LCI had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under XXXX XXXX 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and LCI. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've received numerous letters from this debt collection service, with conflicting messages. Based on a phone conversation I had with them and instructions they sent in their follow-up, they requested : 1. I send a formal note disputing the debt. I did this. 
2. Get a notarized affidavit that I was a victim of ID theft during the period the debt was incurred. I did this. 
3. Provide a police report. I did this. 

They closed 2 of the 4 collection accounts, but for the remaining 2 responded that the documents I provided were either not complete or not legible. What kind of XXXX XXXX is this? How was it complete and legible to resolve 2 accounts, but not for the remaining 2. 

Here are the accounts in question : XXXX XXXX : Account : XXXX XXXX Ref No : XXXX XXXX XXXX XXXX XXXX : Account : XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX Ref No : XXXX XXXX XXXX I'm still receiving mail from this organization to pay for the debt that I've already disputed and provided more than sufficient proof that it is not mine. They even have my name misspelled in all of the communication, because the account was fraudulently created. I've emailed them numerous times and called them numerous times and I keep getting the same inconsistent response. I'm requesting CFPB to help me in fighting this predatory collection agency. 

Please let me know what other info I can provide to aid in your investigation. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: OH
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:
I demand the following accounts be verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of do to malpractice while several laws were being broken under the FCRA by this company. This has cost me financial injury, this has cost defamation to my character. I can't get certain jobs, I can't apply for credit, I can't get an SBA loan do to the pandemic under this crisis. They have hurt my ability to obtain credit.

It has been 90 days and they have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 61 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2020-07-30
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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:
Pursuant to USC 15 Ch. 41 ( III ) 1681 - Congressional findings ; Equifax reported false accounts, unauthorized inquires and scores to third parties. Therefore, not exercising its grave responsibility of fairness, impartiality, and respect for my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
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: Account status incorrect

Complaint:
I filed a request to correct 1. Account appearing inaccurately on XXXX and XXXX. XXXX XXXX fixed it in days equifax hasnt fixed it and their status page wont load because of errors on the page. So I cant check on what they found or concluded and they dont reach out with an update.
2. The last time I found errors I had to email the ceo to get any attention but it would be nice if they made sure the information was right or would correct it themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
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: Information belongs to someone else

Complaint:
I contacted Experian on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX ...., XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX- XXXX .... Experian has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to XXXX or any sort of automated verification. Again Experian failed to comply with FCRA section 611 ( a ) ( 1 ) (  A ) and is continuing to further damage my ability to secure credit. Experian has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.

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 2019-04-30
Company: WELLS FARGO & COMPANY
State: SC
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:
starts in early XXXX i had no idea leading up until XXXX and i am un aware of anything at all prior or present except XXXX!!!! I want to dispute them all bc i did not make the transactions

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 2019-04-30
Company: EQUIFAX, 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:
XXXX XXXX student loan agency XXXX XXXX had a technical issue and was issuing me a statement every month for a quarterly repayment plan ( requesting I pay the quarterly amount every month which is 3x the normal amount ). I tried to fix the issue and despite over paying for many months no resolution. I tried to fix the issue with the school instead. But the payment was due and it became late despite overpaying and paying monthly for many consecutive months for a quarterly payment due. The school apologized and waived the fee and XXXX retracted the late payment notice from my credit report. Both XXXX and XXXX show no late payments for the two XXXX XXXX loans but Equifax shows missed payments. Ive sent them a dispute resolution and have asked them to remove the late payments to be consistent with the other two reporting agencies, but for an expecting resolution with their site being broken ( server not responding or down ). The link they send me every week doesnt work to check my resolution, my credit report still hasnt changed, I go to their main website and try to check the status of my dispute and it goes to the same broken server site. Ive tried well over 20 times At different times ( morning, afternoon and at night ) and days ( weekdays, middle of the week, weekends ) over the past 3 weeks and the same issue. An email to them comes back with no response or replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: JPMORGAN CHASE & CO.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase Cards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had opened this checking account more than ten years ago with XXXX XXXX Bank, and when the account opened, there were no minimum balance or deposit requirement associated. 

However, since that time, it has been bought by Capital One, and Capital One has since re-branded their 'products ' so many times I have lost counts. 

I have been generally using using my joint account with my wife, and have not bother to use this checking account for years. By chance, one credit card payment was paid through this account in XX/XX/2019, causing the account balance to dip below a threshold amount. 

Since then, Capital One has been charging a monthly fee of XXXX until I discovered this charge. 

Capital One refuse to refund the fee, and said to me that " that has been the rule since the account was opened. '' This is completely untrue because this account was not even opened with them, they can not had this rule in place at the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Just released from XXXX  XX/XX/2019, after 10 yrs. Upon checking my credit I discovered accounts on my report that obviously couldn't been me, nor do I have any knowledge of these accounts. So I was instructed to reach out to all three major credit bureaus and notify them of this. I'm asking that these accounts be blocked from my credit file. Account 1, XXXX XXXX {$950.00} Account 2, XXXX XXXX XXXX  {$750.00} Account 3, XXXX XXXX  {$550.00} Account 4, XXXX   XXXX {$690.00} Account 5, XXXX XXXX   {$270.00} Account 6, XXXX XXXX XXXX XXXX {$1500.00} Account 7, XXXX XXXX {$460.00}

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 2021-06-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX From XXXX California The man tried to transfer XXXX to his account twice. The chase bank worked to freeze my account and change my information, but the man still continued with trying to gain access to my cash app account. The man tried to transfer XXXX and more .The man unlinked my account and card and add card and added a XXXX XXXX XXXX ending in XXXX. I need this person to receive consequences for stealing and attempting to steal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
At day of XX/XX/XXXX I did send a complaint to TransUnion about fraudulent accounts and charges that did show on my credit report and asked them to delete them from my credit report. Complaint was deliver as of XX/XX/XXXX. As for today XX/XX/XXXX I did n't got any answser from them. 

Dissputed accounts : 1.XXXX/XXXX openedXX/XX/XXXX with charge {$620.00} 2.XXXX XXXX XXXX  opened XX/XX/XXXX with charge {$1900.00} 3.XXXX XXXX XXXX with charge {$230.00} I also dissputed fraudulent charges to my credit card for {$1000.00} I am attaching all send information to this complaint

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 2019-04-30
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: Information belongs to someone else

Complaint:
Filed lost identity report and fraud, on my credit report, but they refuse to correct the information.

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 2020-05-04
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I used the Care Credit Card for medical and dental procedures because they offered 2 years no interest. I paid the card every month on time some times way above minimum payment, which is over {$400.00}. I have 12 months left to pay the balance of {$3000.00}. The minimum payment has stayed at {$440.00} which is way more than it should be. {$3000.00} divided by 12 months is {$250.00}. So I am being forced to pay it off 6 months sooner than the promotional offer.I called them and even spoke to a supervisor and they basically said too bad. it is what is is.. So clearly the promotional offer until XX/XX/2021 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 explanation