BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: FL
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:
This is a formal complaint against Experian Informations Solutions Inc. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Experian Informations Solutions Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX my husband and I were forced to close our business 's due to covid 19 and the governors orders. Being self employed we were not eligible for unemployment at that time. Out of fear we called our bank and asked if there was anything we could do. They offered us a forbearance plan which they said was very simple and would just add 3 months onto the end of our loan. We went ahead with that. We were not to make payments for XXXX XXXX and XX/XX/XXXX. We were told they would send paper work for us to sign in the mail. We never received anything. I called on XX/XX/XXXX and then on XX/XX/XXXX. I was told everything was delayed and they assured me we would get it soon. I then called on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. All the same thing everything is delayed it will be mailed soon. On XX/XX/XXXX I called and was told they were working on our paperwork and I should get it soon. I called again XX/XX/XXXX and XX/XX/XXXX same response. On XX/XX/XXXX the paper work was sent over night. We signed and notarized and send it back the next day. I called again XX/XX/XXXX XXXX and XXXX. They said they received the paper work and were working on things. I called XX/XX/XXXX and spoke to a man who was extremely rude and told me I should be greatful that they even gave us the opportunity to do the forbearance and I needed to be patient. I called back on the XXXX of XXXX and Then on the XXXX of XXXX. I was told on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX that someone would call me within 48 hours to discuss my issues and I have never received a phone call. It has now been 1 year. We are losing money. We have everything ready to refinance our home at a lower interest rate so that we can fix the roof that is leaking into our home. So everyday this process goes on is costing us money and damage to our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello- I have 13 Federal Loan accounts that were not consolidated. I have called Navient to inquire on removing the " Missed Payment '' status and they gave me little information and told me that there's nothing they can't do. I have begged and pleaded with them that this is a mistake because I've always pay my monthly loan payment on time. I thought I had paid my monthly amount on XX/XX/XXXX and they gave me a " Missed Payment '' status with no warning whatsoever. 

If you look at my credit history for Navient, I have paid every single month after that. I need your help to remove this status. Now that Navient is no longer servicing my loans, Aidvantage has taken over and I don't want to go through the same hassle again.

I get little information to remove status from my credit history.

DEPT OF ED/AIDVANTAGE - {$17000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$9100.00} - Open Account - Missed Payment on XX/XX/XXXX - {$8900.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$4000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$500.00} - Open Account - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2100.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone using my name set up a few utility accounts in North Carolina in XX/XX/XXXX. They were placed in collections in XX/XX/XXXX. I did not receive any communications from the agency until XX/XX/XXXX. I have been sending documentation to establish my identity and show that I did not open the accounts in question. They have gotten every bit of information they need to clear it, minus a police report. My local police office does not issue police reports, but they did provide a letter stating all of the information I reported to them. The collections agency refuses to clear my case until they have a police report even though they have spoken directly to my local police department. There is nothing more I can do from my end, and the agency refuses to clear my case. They are literally holding my credit score hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: Stallings Financial Group, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is my third complaint about Stallings Financial. I am providing their first response they provided to CFPB where they said they acquired this account on XXXX and sent correspondence to XXXX XXXX XXXX, XXXX Ga etc. Now they responded saying they sent notices on XXXX. I am also providing a rental agreement showing that I live in XXXX XXXX and my current address as of XXXX/XXXX/XXXX. Prior to this address, I was living at another XXXX XXXX address. As I stated before, I did not get mail to dispute this account. Please investigate their false statements. This company is difficult to deal with and I have informed them of my move and not receiving any mail from them to dispute this account in the amount of {$220.00} from XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Issue took place on XXXX last month when the credit score update came out, I realized my credit scored dropped almost XXXX points! As I'm writing this complaint I'm finalizing my loan modification because I was on forbearance program for 1 year starting XX/XX/XXXX until XX/XX/XXXX with the amount to be deferred and pushed to the end of the 30 years loan plan. At that time my lender was " XXXX  ''. Now my loan got transferred over to my current lender " shell point '' who are taking care of the loan modification phase. so I called the mortgage company to make sure they don't report any late payments on my behalf especially that I pay promptly and on a regular basis but they told me that I was being reported to have 7 late payments disregarding the loan modification process.They set up a notary appointment and sent someone out to me on XX/XX/XXXX, the notary did not get the documents signed right and the paper work was not approved, during that down time my credit score dropped XXXX points although I am paying on time for current monthly payments and the delay in paper work was a mistake on their end. We had another notary appointment today XX/XX/XXXX and I would appreciate this to be investigated through.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting : CAPITAL ONE XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
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:
Identity theft victim, police report # 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 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Identity theft victim, police report # 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 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Good afternoon, My credit score went up 70 points and then went down 70 points due to my credit card usage percentage. I have already fixed that problem. The card usage is below 40 %. Please readjust my score to reflect back to the XXXX score.

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 2021-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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 have two XXXX XXXX accounts on my credit. Both are with a collection agency. I have disputed both accounts as I believe they are duplicate accounts. Theres no way XXXX XXXX would have given me 2 credit cards especially if one was delinquent. I have requested information such as payments and history, but the collection agency will not provide and the credit bureau basically says yes its yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau . How can it be verified by XXXX- Equifax- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/XXXX I disputed late payments with the creditor chase through the following companies XXXX, XXXX  and XXXX  for the months of XXXX, XXXX and XX/XX/XXXX as-well as XX/XX/XXXX it is approaching the deadline for the 30 day fair reporting act and the investigation is still not complete. I would like for these late payments be removed and updated to on time immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I Have sent over and also call this company about this matter for about 2 months. I Have accounts as well as an address that does not belong to me but they continue to call it " verified '' in which they have it gave me proper proof that what their saying is " verified ' is not actually really accurate. Having Unverifiable accounts on my credit report is against the law and they still continue to not follow the law in my case. I have file an FTC report and sent it to them with also other documents showing them what I stated is correct to proof what I am saying is correct. They still yet to give me a real investigation on my case. Again those accounts and address do not belong to me and want them situation handle the correct way. I am tired of being treated this way and I have a right to an accurate 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 2017-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone number calls every single day, in and outside of business hours to my work phone claiming to be from capital one. I do not have any affiliation with capital One, nor does this agency. 

A search on the internet shows that this is potentially a scam and asks for deposits, social security numbers, and other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
There is not an option for my specific scenario. My account wasn't closed however, the bank cancelled my debit card with out advising me first. I have a large amount of money in this account and upon attempting to get gas, found that my card was declined. I immediately called into my banking center and was told that my card had been cancelled ( supposedly BY ME, yet I NEVER called in with such a request ). 

I advised that I HAD never called in to cancel ANYTHING and needed access to my money ASAP. I was told there was nothing they could do because, A ) the department I need to speak with was closed and B ) they could 'reactivate ' my card and instead I'd have to be snail mailed another one. I was LIVID as that is the only card I have and use every day for everything from food to bills to gas. I was on the phone with the customer service agent for over an hour ( she kept putting me on hold ) and STILL she had no explanation as to WHY I wasn't given PROPER contact prior to my card being cancelled ( via someone from the bank ACTAULLY SPEAKING TO ME ) to advise that my card was going to be cancelled. Had they ACTUALLY SPOKEN TO SOMEONE I could have explained that it was a mistake on their end because I had NEVER called in and reported ANY fraud. After all the time on the phone she never gave me any resolution. Since my card was cancelled, I couldn't get gas for my car and was FURIOUS. She said she'd call me back first thing the next day with a solution. 

She NEVER called so I called the bank AGAIN and was told they could replace the card but it would 5-7 BUSINESS days. Mind you, this 'error ' happened on a Thursday meaning I was to have NO ACCESS TO MY MONEY for possibly 9 days since weekends are not 'business days '. I advised that I needed my card ASAP and was told they could expedite it to the address on file and someone would have to be there to sign for it. I then told them that I work full time and not home during the day therefore would not be there to sigh for it. I requested they send it to my work so I'd have access ASAP and they refused saying, it HAD to be the " address on file ''. They are essentially blocking me from my OWN MONEY. I have never had overdrafts on my account, I am a long time customer AND I have NEVER been in the red with my account, EVER. How is this possible that they are able to CANCEL my card WITHOUT MY AUTHORIZATION????? I have ZERO access to my money, the banking center is located in XXXX California and I now reside in XXXX California and they are doing NOTHING to assist me in getting access to MY MONEY ASAP. HOW is this legal??????????

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 2022-04-02
Company: SYNCHRONY FINANCIAL
State: CO
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:
My identity was stolen by my neighbor. They had all my information hacked to the point of stalking. They opened a credit card and I believe they filed taxes

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 2020-10-08
Company: Experian Information Solutions Inc.
State: NC
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:
A collection item recently appeared on my credit report The collection account is reporting in error.

1 ) The collection company is XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX  the first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from XXXX XXXX XXXX company 2 )  The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im  requesting both validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent

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 2022-04-02
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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