BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
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:
There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$0.00} ( XXXX and Experian ) XXXX - XXXX XXXX XXXX - Bal : {$1300.00} ( XXXX, Experian, XXXX ) UNKNOWN - XXXX - BAL : {$75.00} ( XXXX ) XXXX XXXX - Bal : {$1000.00} ( XXXX  ) XXXX XXXX - Bal : {$0.00} ( XXXX and XXXX ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX/XXXX - I was never 30 days late Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-12
Company: Opportunity Financial, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Took out loan for XXXX in XX/XX/2018. Has taken XXXX per week out of my bank account and balance shows that I owe XXXX. Even with interest I have well overpaid this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: DLC, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I've applied for and received a personal loan in a small amount. I was employed at the time and and was making payments. However I unexpectedly lost my job and currently unable to make payments. I have let multiple staff know and informed them I am working with a debt consolidator to help me pay off my debt. This company refuses to take the information and are now harassing me, calling repeatedly, late hours of the night, calling EVERYDAY! they call from local numbers and unavailable numbers. I have already made a complaint to the main call center, but nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Was not notified of investigation status or results

Complaint:
I called XXXX  onXX/XX/XXXXand spoke with XXXX. I advised him that my credit card was not reporting on my credit and asked to dispute inquires on my report. He advised me that he could not do anything about either. My Capital One account is not reporting on my XXXX  report, it is on all the other credit reporting agencies. XXXX  is the reason that I spent months getting my card reactivated as they said I reported it as fraud, which was never the case. Finally after I got that fixed they stated they would put it back on my report, however that has not occurred for a year now. I want my report to be accurate and XXXX  is failing to do that. When I reported this to them they said that would be up to Capital One but all other agencies are reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not received any statements from the company, and I called to inform them and there were 2 late fees on the account, they refused to credit both fees even though I have not received any bills, I signed up for online services today and paid today and they only credited 1 fee as a curtesy even though I have never received a statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
In XX/XX/XXXX I purchased a reloadit pack for the amount of {$500.00} dollars. I tried to load it to my prepaid card and I got an error saying we are experiencing technical difficulties and to try again later. So I tried again and again and I would get the same error. I contacted customer service and they told me to try a few things that ultimately did n't work. I filed a complaint to the BBB and I got a response from someone saying they issued a refund and I would receive it by XX/XX/XXXX I still have n't received the check that they mailed and I called them again and they said I would get a call back from a specialist and still have n't gotten a call back. I 've waited over a month now for my money back and am running out of patience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
I have attempted unsuccessfully with XXXX and XXXX on a number of items that they claim to be valid/verified. Yet, they both have yet to present requested verifications by or through original purchase agreements with credit collection companies, to provide valid contractual agreements with said collection companies, to provide proof of signature, who original creditor is/was. Related information such as first payment made, last payment made, when did consumer transactions begin, what legal grounds do collection companies have to report negative items with no prior consumer notification. 

XXXX and XXXX are both liable for reporting such matters on consumers reports due to lack of professional responsibility or accountability damaging and causing due harm financially, professionally and reputation to consumers. 

XXXX. Both reporting agencies have myself XXXX XXXX XXXX listed with XXXX other names stating after XXXX disputes online, telephone and as well as certified mail stating it is impossible for there to be XXXX of me. 
Names they both claim to be valid and or verified : XXXX XXXX XXXX. with an XXXX '' at the end of XXXX. 
XXXX XXXX XXXX as well with an XXXX ' at the end of XXXX. 
As you can see this is ridiculous and as well as insulting to me both Race and Ethnicity with XXXX customer service rep from XXXX stating well isn't the same? 
That is flat out discrimination. 
XXXX. Both agencies will not remove addresses that I have requested removed as they are incorrect, invalid, unknown, etc. and to add to that as an example. They have me listed as living or lived in Tennessee of which I never have yet they insist its valid or verified. 
XXXX. Phone numbers assigned to me which never have been or are inaccurate. Yet they still insist on claiming and denying my repeated disputes XXXX times. 
XXXX. Reporting information as accurate, verified and validated through other XXXX party agencies and insisting I am making disputes on information, items though no undisputable presentments are made. 
Example : reporting collections from XXXX and XXXX and XXXX and XXXX though no definitive criteria can be presented as definitively linked to me. 
Reporting XXXX dismissed bankruptcy XXXX XXXX month apart as mine though no information is reported from the Federal Bankruptcy Court is publicly reported and especially reported with " Full '' soc. sec. #. 
Items discussed have been disputed under15 U.S. Code 1681a- ( 2 ) ( I ), 15 U.S. Code 1681b- ( a ) ( 2 ), 15 U.S. Code 1681c ( a ) ( 5 ) All of which have been blatantly disregarded, ignored, with no regard to ones rights under the Accuracy and Fairness of Credit Reporting .

I Thank You for your time and effort in helping to correct and make right of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Credit report continues to display inaccurate address and telephone number combined with inaccurate non-verified collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was declined for credit from Avant back on XX/XX/2022. They failed to send me an adverse action notice until 194 days later on XX/XX/2022. This is a violation of ECOA Regulation B timeliness requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I received this statement from Equifax about removing the public record on my credit report, they said that I used a credit repair company. This is an assumption that is false and inaccurate. I did my own dispute on the cfpb website. 


The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/personal/disputes if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a personal college loan through HESAA in NJ. I usually make my monthly payments via credit card. On XX/XX/18 I tried connecting my checking account to the portal to pay via my checking account because I was being charged a fee every time I used my credit card. I follow the video they direct me to, I link my checking account, and I submit the payment for that month via my checking account. A few weeks to a month later I get a notice in the mail that my loan payment is late and that I am delinquent. 

I log on to the HESSA.org to find that my checking account payment had been bounced back. I immediately file a claim with HESSA and petition to have the delinquency removed since I was unaware my payment bounced back. This was also my first late payment so they removed the delinquency and made my account current.

But my credit score has not improved since they made my account current. It was above 700 before all this, but now it is around 650. How can I inform the credit agency to have my score go back to what it was prior to this incident?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Well basically they’ve directed me to put my loan in forbearance multiple times and didn’t give me the opportunity to use the income based plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 got a notice from my report that they had closed my account ( XXXX XXXX XXXX  XXXXXXXX XXXX ) on the XX/XX/XXXX without my consent.I had this account for awhile and i would like for it to be open again cause its affecting my credit 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 2018-12-18
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2018 ... An application for XXXX was requested. This.was not me ... please take off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was repossessed due to an error on the behave of Wells Fargo Auto CPI Payment Program, They applied unnecessary CPI charges to my loan. The charges associated with this CPI policy have contributed to my car being illegally repossessed and my credit being destroyed for the last 4 years, They try to apologize about the error and try to offer me a check for {$4300.00}. They Kept {$6700.00} and claimed they applied this to unpaid repossession or for the difference I would have received if I would have sold the car I have never received any paperwork or documents of proof of where this money was applied this account has been charged off and Wells forgo already received a credit for this I don't have an account to update so they are pocketing the money and I am out of my {$4000.00} downpayment and {$2500.00} custom wheels and tires I had on the car when the vehicle was illegally repossessed

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 2019-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To date I have had correspondence and phone conversations with Wells Fargo regarding complaint number XXXX. 
The Wells Fargo response to How did the Bank allow the unauthorized withdrawal? was that their records indicate that I had authorized to have funds automatically transferred between accounts. I had not authorized funds to be automatically transferred between accounts. I requested a copy of the authorization if there was one. To date I have not received a copy. 
The response to How will Wells Fargo prevent this from happening again? was to call the Financial Adviser and request him not to transfer funds between accounts in the future. The Financial Adviser did not have authorization in the first place. 
In the meantime Wells Fargo had sent a form 1099 indicating income related to the unauthorized transaction. There was no income and I have requested a copy of the correction from Wells Fargo. To date I have not received a copy of the correction.

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 2018-12-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
1 ) The Account Opening Date is referenced, but not specified, in the account documents for all my HSBC USA bank accounts. I need to know the opening dates of my accounts in order to correctly interpret my rights and obligations under the account documents, yet the bank refuses to tell me the opening dates. They claim it would be a security risk to disclose the opening dates over the phone, even after I have correctly identified myself through my voice print and personal data. They refer me to the account statements and other communications, yet these documents do not specify the opening dates. They refer me to my nearest HSBC branch, which is 25 miles from my home.

2 ) I still have not been given a specific reason why my access to my accounts was blocked, without notice or explanation, from XX/XX/2018, through XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
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: Reporting company used your report improperly

Complaint:
Due to the recent Equifax data breach, my personal credit information has most likely wound up in the hands of criminal actors. In order to reduce the risk that this has caused me, I had to freeze all my credit reports. Even this may not fully protect me from the risk I am now at for the foreseeable future. The fact that credit agencies like Equifax are for-profit entities making money off of this information makes the fact that I had no way of preventing this breach even more egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Information was send to XXXX XXXX credit bureau and posted to my credit report on XX/XX/19 in the amount of {$1700.00} its account is not mine .I have been with the same phone company for the past 10 years with the same phone number ( XXXX XXXX ). I send letter to XXXX, the collection agency and to the credit bureau asking validation and the removal of the item on my credit report, but the only action by XXXX was to send monthly invoices

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 2021-06-07
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I called Equifax on XXXX and spoke with XXXX. I advised him that my credit card was not reporting on my credit and asked to dispute inquires on my report. He advised me that he could not do anything about either. My XXXX XXXX account is not reporting on my Equifax report, it is on all the other credit reporting agencies. Equifax is the reason that I spent months getting my card reactivated as they said I reported it as fraud, which was never the case. Finally after I got that fixed they stated they would put it back on my report, however that has not occurred for a year now. I want my report to be accurate and Equifax is failing to do that. When I reported this to them they said that would be up to XXXX XXXX but all other agencies are reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE 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:
The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 XXXX XXXX. I applied for an unemployment deferment and it shows 90 days late.

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