BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Tueday XX/XX/XXXX I tried logging onto my XXXX account to pay a bill ( which was sold to XXXX  ). For some reason, my password was not working. I thought it was me, so for the greater part of yesterday, I attempted to figure the password out. It told me that my SSN is not valid ( yes it is ). After seeing this, I looked back into my emails to see if XXXX sent me a change of provider email and no such email exists. I then went back onto the site, change my username and password to start fresh, and tried to look for contact information. There is no such place for me to get information about where this loan is. I logged onto my XXXX  account ... it is not listed under any loan servicer. After seeing this, I contacted XXXX XXXX University student aid and was not given an ounce of information. At first she acted like she had no idea what I was talking about. Then, once I explained that this issue is being written about all over the internet and every other University is assisting their students and these phone calls in helping them find the new servicer, she put me on hold. Once she came back on the phone she gave me an 800 number to call. I told her that XXXX   could not give me the information since it was a private student federal perkins loan and that it is her that is supposed to give me that information. Now, she started talking down to me and refused to give me anything but repeat the phone number and tell me to call them. So, knowing that it was not going to go anywhere, I called the 1 800 number ... .and of course, since it is a federal perkins loan they told me to contact student aid at my university. This is unacceptable. Every single person that has posted about this issue on the internet has had the same problem. XXXX  DID NOT issue a mass email/letter stating the switch in providers and my specific university has been of zero help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today ( XX/XX/XXXX ) I was contacted by Comenity Bank ( XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX ) who were attempting to secure an overdue payment for a Visa card that I had no knowledge of. This card was opened on XX/XX/XXXX by an unknown party and a balance accrued of {$10000.00} as of today. The card was opened by this bank without proper verification of identity resulting in fraud, both by the party opening the account and this bank. I have notified Comenity Bank ( Fraud department ) and they stated ( by phone ) that the account would be closed today for new transactions, and that an investigator would contact me to resolve this within 90 days. I have notified XXXX XXXX and XXXX  of this identity theft. 

My credit score has been compromised by this negligence on behalf of Comenity Bank as they failed to accurately verify the identity and personal information of the individual to whom they issued a credit card. My responsibility for charges made by the party issued the card remains uncertain. I live on the East Coast, the card was issued in XXXX XXXX and travel has not been possible during this time due to the Covid Pandemic. I have not left New England since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31
Company: NCD Financial, LLC
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:
This company is reporting my account late and it is not late in fact I paid it in full last month when I called them to fix it they refused and said I had to wait until next month. This is illegal to report info inaccurately. And they took my XXXX $ then reported my account late my score dropped 75 poults

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
Please see attached. This account was included in bankruptcy. Shows as a closed account with a current past due amount of {$200.00}. Presents as " current negative payment activity '' as of XX/XX/2018 which is affecting my credit score.

I have disputed this online and have sent requests to the creditor. All of my accounts with this creditor were re-affirmed and are current or paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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 have a payment arrangement with XXXX XXXX on a delinquent account ( XXXX ) .XXXX XXXXXXXX has received 4 payments on time of the 6 payment arrangement.I have 2 payments of {$79.00} in XXXX and XXXX for completion of the attached agreement.In the agreement, under the heading '' What you need to know ... '' it says '' in accepting this settlement we intend to discontinue collections. " AND " Your payment ( s ) are confirmation of this arrangement. " YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGE-OFF WITH NO NOTES OR INDICATIONS IN THE CREDIT REPORTING OF THE AGREEMENT! DOES XXXX XXXX THINK THAT ALL CONSUMERS ARE STUPID? THE REPORTING AS IT STANDS TO ALL 3 BUREAUS IS INACCURATE AND INCOMPLETE PER FCRA AND IS DEFINED AS A COLLECTION EFFORT BY THE FCRA! I HAVE NO FAITH WHATSOEVER THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '', SINCE THEY ARE NOT HONORING THEIR AGREEMENT NOW, YET, I WILL MAKE MY FINAL TWO PAYMENTS AND KEEP MY END OF THE ARRANGEMENT AS AGREED.THIS ACCOUNT WAS DISPUTED RECENTLY BUT ONLY SUCCEEDED IN GETTING XXXX XXXX TO UPDATE THE PAYMENTS MADE, WHICH THEY WERE NOT DOING ( FCRA ) .EVERYONE KNOWS THE FACT THAT XXXX XXXX STEALS FROM THEIR CUSTOMERS UNTIL LAW ENFORCEMENT CATCHES THEM.XXXX XXXX IS CROOKED FROM THE EXECUTIVE OFFICES DOWN TO THE BANK WORKERS.THE CFPB HAS CAUGHT XXXX XXXX ONCE MORE UP TO NO GOOD AND HARMING CUSTOMERS AND VIOLATING LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Account information incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$500.00} on the XXXX XXXX XXXX original creditor XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I returned all of the equipment pursuant to the return policy of XXXX well within the time frame allowed per the service contract. There is no outstanding balance due on this account and therefore nothing to collect. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
transunion has inaccurate information about my job and background

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 2018-08-22
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 information incorrect

Complaint:
I had an account with XX/XX/XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my Experian credit report. I confirmed with XX/XX/XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XX/XX/XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the CEO of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my Experian credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my Experian Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.

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 2017-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted equifax on several occasions regarding inquiry on my report that I did not recognize I have been getting the run around for months I did not authorized any of these inquiry some are listed mupitle times. Below are the inquiry. 
Business Name Business Type Inquiry ForDate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/2006 I opened a student loan with Sallie Mae for XXXX to aid in funding my post secondary education. Over the past 12 years that balance has more than doubled to XXXX. I feel this is absurd. Sallie Mae, now Naviet has forced me to contend with the forbearance option of this loan and continues to capitalize the interest. I have made several attempts to pay down this balance and have made more the XXXX in payments over the past several years. This is becoming an absolute burden and Navient appears to be unwilling to work with the client to help pay this balance down. I have provide a statements to aid in this dispute along with the most recent rate reduction document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I APPARENTLY HAVE AN OUTSTANDING DEBT WITH XXXX XXXX. THEY SENT THE ACCOUNT TO XXXX  XXXX XXXX. THIS COLLECTION COMPANY CALLS MY WORK AND CELL SEVERAL TIMES A DAY. UP TO 6 TIMES A DAY. I TRY TO TELL THE COMPANY TO STOP CALLING ME AND THEY HANG UP LAUGHING. I HAVE NOT RECEIVED ANY PAPERWORK FROM THIS COMPANY. AND XXXX XXXX REFUSE TO SPEAK WITH ME. I HAVE MAILED IN A CEASE AND DESIST, AND I HAVE CALLED THEM TO GET THEIR FAX NUMBER TO SEND IN THE PAPERWORK-THEY KEEP GIVING ME DIFFERENT ONES ( FAX # XXXX ) I DON'T OWE ANY MONEY TO XXXX, I CLOSED THE ACCOUNT WITH A XXXX BALANCE AND TURNED IN ALL OF MY EQUIPMENT THAT I WAS RENTING. AND SO DID MY WIFE.

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 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY TRANSUNION CREDIT REPORT.

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 2020-07-01
Company: Self Financial Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I took out a Self Lender Loan in XXXX of 2019. During the course of this loan I built up principal and they allowed me to get a secured card utilizing the principal balance as security for the card. I always made on time payment so I could build and establish good credit. I decided to payout the loan XXXX months early. I paid them the full amount XXXX requested on XXXX. On XXXX they billed me XXXX and I paid. Several weeks later they paid me the balance of the money owed to me after satisfying the credit card they issued. This amount was XXXX. Then they hit me with a late fee XXXX associated with the credit card and reported me as late. I looked up my account and the credit card was removed from the dashboard so I assumed this would clear itself up. I then got another bill for XXXX  now two late fees. I have contacted them and they have apologized and said they could clear this then never followed up. I now have paid them an additional 30.00 and have two late payments on my credit report because of their mistake. Furthermore I have disputed the negative marks on my credit and they stand by their actions to negatively affect my credit for their mistake.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX all FTC violations freedom mortgage XXXX XXXX XXXX XXXX XXXX XXXX  violations : FTC : Not mine Fair DEBT : LAW saids you can not use unfair practices to collect a debt FCRA : inaccurate information case on the company have violated the law previously will enclose all the violations : FTC Sues Subprime Credit Card Marketing Company and Debt Collector for Deceptive Credit Card Marketing XX/XX/2008 FOR RELEASE TAGS : Consumer Protection The Federal Trade Commission today announced the filing of a lawsuit charging XXXX XXXX and its wholly-owned debt collection subsidiary, XXXX XXXX XXXX XXXX XXXX, with deceptive marketing practices in selling credit cards to consumers in the subprime market. 

The FTCs complaint charges both defendants with violations of the FTC Act and XXXX XXXX with violations of the Fair Debt Collection Practices Act ( FDCPA ). Todays action is the result of a coordinated investigation of the defendants marketing practices by the FTC and the Federal Deposit Insurance Corporation. In a related action, the FDIC has issued notice of administrative charges against XXXX and two banks that issued credit cards marketed by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
During XX/XX/XXXX-XX/XX/XXXX I lost my job and was going through severe financial hardship. I filed a financial hardship letter around XX/XX/XXXX and XXXX XXXX XXXX XXXX acknowledged my financial hardship and restructured my loan for me to make my payments lower. 
I have been on time with payments every month since then, up until and including this month of XX/XX/XXXX. 
As of XX/XX/XXXX, XXXX XXXX XXXX XXXX claims they have no power to remove the late payments due to financial hardship, and said I could file a complaint or converse with the credit bureaus to have this unfortunate mistake removed from my report.

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 2018-08-22
Company: Ray Skillman Westside Imports Inc
State: IN
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:
I have 2 hard inquiries on my credit report for ths same exact date, for the same exact purpose. XX/XX/2016 I started an automobile lease through XXXX XXXX XXXX XXXX. Information on them below : Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The dealer also ran my credit and this caused the second hard credit inquiry on the same date of XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I was under the impression you should only be assigned one inquiry for the same exact financial purchase / obligation. 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, 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 contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. These accounts does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and i never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX & XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. As well as the incorrect address of XXXX XXXX XXXX, XXXX, MS XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: OR
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:
Equifax Fraudulently gave away all of my information without any consent.

Company response to consumer: Closed with explanation