BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: AES/PHEAA
State: LA
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:
In XX/XX/XXXX, I requested that my loans be placed in forbearance through XX/XX/XXXX because I would be away for military training ( XX/XX/XXXX-XX/XX/XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XX/XX/XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would  check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX. This letter is dated XX/XX/XXXX. Although my  forbearance was approved, FedLoan refuses to correct this on my credit report because the letter is dated for XX/XX/XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 have made payments to my Bank of America Visa card online monthly on the following dates : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1000.00} Bank of America charged me a late fee of {$27.00} on XX/XX/XXXX and told me it was because I did n't make my payment during their designated " payment period '', even though I have made a payment each month for substantially more than the minimum due. I was told that there is a disclosure on my paper statement regarding this - however my activity history would indicate that I access my account online and only make payments online. This is confusing and unfair that I am penalized because I make my payment outside of their determined narrow window of payment date. I am XXXX years old and feel Bank of America is taking advantage of me. I contacted Bank of America 's customer service and was told that it is their policy to access this charge regardless of whether I have made a payment during the month. Bank of America is benefiting from this confusion by not only charging interest on the balance but also accruing late payment penalty charges - in spite of having received a payment that satisfies the minimum due during the month.

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 monetary relief
Consumer complaint received 2017-10-04
Company: Mathes Management Enterprises, Inc.
State: GA
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 several inquires on my credit report that I did not authorize. I have requested that they be removed and they have not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: PRONTO FINANCE INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle from Pronto finance in XXXX, IL in XXXX of XXXX. I always paid my car payments on time for the full four years it was due, I made what should have been my last payment on XX/XX/XXXX only to be now told I owe fees from XXXX. I never heard about any fees getting accessed when I paid my car loan both in person and over the phone I asked why was I not told of these alleged fees until now and got no answers. They claim it was penalty fees for not having insurance to which I answered I have been asked about insurance every since I owed the car and always provided it and never received any response afterward also I stated since I have changed insurances several times since XXXX I have no idea who I was insured with at that time. If I owed fees for the years XXXX why wait until the car is paid off to tell me? The car is paid in full along with the interest, why should I pay for fees I never knew anything about? After not hearing anything about fees for four years they are now calling trying to get what is no more than extra money. I don't think it is a good business practice for a finance company to charge fees for years and not tell the consumer until the end. After having this issue with them I read their reviews and noticed others stating how they charged them fees and never told them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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 status incorrect

Complaint:
I had a student loan with XXXX XXXX  and this loan was under SCRA benefits from XX/XX/XXXX to XX/XX/XXXX. There were no fees applied to this account and no late or missed payments. On XX/XX/XXXX the loan servicer, XXXX XXXX XXXX ( XXXX  ), discharged the loan and US Military Veteran XXXX XXXX XXXX XXXX XXXX. Shortly after this happened, XXXX reported to the credit bureaus that this account was delinquent. In short time, XXXX had this corrected. In XXXX of XXXX, XXXX XXXX  again listed the account as derogatory with first delinquent date in XX/XX/XXXX and that the account was a settled debt/charge off and paid for less than amount agreed. I disputed this information with the credit bureaus and with the loan department at XXXX  at that time and they stated that the information was correct. I filed a complaint with CFPB and the Office of the Chairman from XXXX  contacted me and resolved the issue and sent corrected information to the credit bureaus in XX/XX/XXXX to correct my credit reports and to list the account as " Settled in full ; No Delinquencies Reporting ''. Equifax and XXXX  had corrected my reports, but by the time they had corrected, XXXX  had changed their reporting, so I had to dispute again. XXXX  eventually updated their information to the correct account status once I sent copies of the letters from XXXX, but then Equifax in XX/XX/XXXX reverted the account back to being a derogatory and as a Charge Off. XXXX sent another letter in XX/XX/XXXX listing the account as Paid ; Closed account as XX/XX/XXXX. Equifax changed the account status as Paid ; Closed  Account as XX/XX/XXXX, but still listing the account as a Charge Off and lowering more score. The account is not a Charge Off and the Office of the Chariman has asserted in the letter sent to me on XX/XX/XXXX that it is not a charge off and it was not delinquent. So, I contacted XXXX  again after disputing with Equifax at the beginning of XXXX the Charge Off comment on my credit file because Equifax stated in my dispute result that XXXX  confirms it as a Charge Off, but when I call XXXX  they say that it isn't being reported as such and continue to send me the same letter. Equifax also has this account reported twice on my report ; once as bad and once as good. 

While writing this complaint, I spoke on the phone with a representative with the recovery department at XXXX and he stated that a supervisor assured him that XXXX is reporting this account as paid as agreed and not a charge off and that it is a credit bureau issue of not reporting it correctly. This complaint is solely against the bureaus not reporting correctly. 

I will send the letters I have from XXXX  that state the account is in good standing and that it has never been delinquint/derogatory/charged off if requested. The account number ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )

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 2019-07-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Currently have a security freeze on my Equifax report due to past fraudulent activity. Between XXXX XXXX, 2019 and XXXX XXXX, 2019, I have had six hard inquires that were not authorized nor notified by the companies that this inquiry was taking place. 

On XXXX XXXX, 2019 after being notified that these inquires had taken place, I contact Equifax by telephone and talked to XXXX ( customer service representative ). This person could hardly speak English and begin to ask verification questions which were all answered correctly. At this time, he refused to help me and was told that I had to contact all the companies. 

This is why I have a security freeze on my Equifax credit report so that these types of issues do not happen and yet it still happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery Services called me at XXXX PST on XXXX XXXX, XXXX. I did not answer the call as it was too early but it did wake me up. I looked the number up on the internet as soon as I got to work to see who was calling and found that it was Portfolio Recovery Services, only with a different number this time. In this instant, they had called from a Virginia XXXX, VA number. They did not leave a voicemail. 

Another call from Portfolio Recovery Services happened at XXXX PST on XXXX XXXX, XXXX. This time, they had called from an XXXX, FL number. I did not answer the call since I did not recognize it and they did not leave a voicemail. Again, I looked the number up on the internet to see who had called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been been past 30 days and XXXX has failed to verify the incorrect information of the account selfinclead credit card XXXX. By law after 30 days you must legally remove this account per FCRA. In addition to not receiving any type of letter or email from XXXX theyre reporting inaccurate and unjust information. The reason Im asking for this account to be taken off my credit report also includes Them reporting a passed due balance of XXXX dollars that has been paid in full and different dates when the account was open and last active. I have certified mail XX/XX/XXXX and XX/XX/XXXX they have not responded to either of them which has now placed the account dispute 30 days passed which legal they must remove this account from my credit file and have failed to do so.

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 2019-07-02
Company: Experian Information Solutions Inc.
State: WA
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 ; Experian and XXXX  are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates 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 2020-10-08
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: Information belongs to someone else

Complaint:
Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. After getting out of the XXXX from a XXXX  XXXX scare then seeing all these fraudulent accounts on my credit has increased my XXXX level tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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:
I, XXXX XXXX who is a natural person/consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this issue after numerous of attempts. Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairly and accurately reporting information on my consumer report. Furthermore, pursuant 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR THESE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT! Their actions is damaging my reputation, character, credit worthiness since their failing to follow reasonable procedures to assure maximum possible accuracy of the information being reported on my consumer report per 15 USC 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Braviant Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out an installment loan for {$3000.00}. After two months, I have paid back {$1200.00}. They are telling me that the current balance is over {$3000.00}. The interest rate cant be right or legal. How are they claiming that all payments go to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. They have failed to send me validating information, but continues to report on my credit reports. I have also complained that the payment history is reporting inaccurate as well, but Transunion and XXXX XXXX continues to report inaccuracies on my credit reports.

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 2019-06-11
Company: NAVY FEDERAL CREDIT UNION
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:
I do not know until I look at my record report all three of them then Ill find out why all set on getting denied for small loans that I used to not get the night at all theres something on my record is hurt me and I believe it might be fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of 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 2021-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been locked out of my own paypal account and am unable to pay Bill 's and do my small businesses My email is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: MiraMed Revenue Group LLC
State: MI
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:
Miramed revenue group. On XX/XX/XXXX I paid a {$90.00} collection bill with them. I recorded the call and was told that the bill would drop off of my credit if I paid it. It didnt drop off of my credit. The status was only updated to paid which still shows up as bad. The company wont answer the phone. I paid the full balance and the entry should be deleted completely from my credit. 
The exact same thing happened with XXXX XXXX a few years back. I agreed to pay the debt after the agent explained that it would be removed from my credit completely, not only updated to reflect paid. After years of going back and forth XXXX has still not removed the debt in its entirety off of my account. Legal representation had to finally be deemed due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: NY
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 recognized hard inquiries on my credit card, which i did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer of credit. Hard inquiries by these companies on these dates was not authorized : *XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  XX/XX/XXXX *XXXX XXXX XX/XX/XXXX*XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/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