BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: Lloyd & McDaniel, PLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Will not stop contacting me and sending me letters I'm getting sick of it and when I tried to make a payment towards my accounts with lloyd and McDaniel they turned it down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I attended XXXX XXXX in XXXX, TX from XXXX which was when our school was full of FBI one afternoon as the students were arriving. We were informed by the FBI agent that there was no school and we had to go home. It was a weird time for sure. I don't use that degree at all and I am in really really deep in the school debt from that 2 year degree. 

I am trying to get help with this, the people at Navient call me all the time trying to collect a payment but I don't have the funds to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
THIS ACCOUNT WAS ESTABLISHED IN 2014 AND I HAVE NEVER BEEN 30 DAYS LATE ON A PAYMENT. MY ACCOUNT SHOWS 5 YEARS NEVER LATE AND THERE WAS A PROBLEM WITH MY ACCOUNT SHOWING 30 DAY

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 2019-10-22
Company: EQUIFAX, INC.
State: MT
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 recently reviewed my credit report and I observed that XX/XX/XXXX are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XX/XX/XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is about Marcus, an online savings account affiliated with Goldman Sachs. 

On XX/XX/2019, I attempted to use the banking web site to transfer money from my savings account to another financial institution. Marcus ' web site told me that the transaction was in progress and would be completed within 3 business days. 

On Monday, XX/XX/2019, I attempted to access my Marcus account online and was told by the web site that it was locked and I needed to call the company during XXXX XXXX ET to XXXX XXXX ET. 

On Tuesday, XX/XX/2019, I phoned XXXX to regain access to my account. I was placed on hold for 54 minutes while XXXX   allegedly attempted to verify my external bank accounts. My external bank accounts had been linked to XXXX months earlier and had successfully transferred hundreds of thousands of dollars to XXXX months earlier. 

During the lockout period, I was unable to look at statements or any information related to my account, which is all relayed to me electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 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
Consumer complaint received 2022-10-05
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:
I am a victim of identiy theft, could you please remove the below inquiries as well as the inquires attached to my identity theft report? 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, personal XX/XX/2022 TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XXXX, personal XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Also, I would like the below address deleted from my credit report as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA, since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2018-07-26
Company: KEYCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated a wire transfer to XXXX on XX/XX/2017 for XXXX Euros. The bank employee who filled out the form put down the wrong beneficiary for the funds but all the other information was correct ; account number, XXXX, etc. 

The funds never arrived and I called the bank repeatedly over the past 3 weeks. When the bank found out their mistake ( on XX/XX/XXXX ) they sent an amendment to the receiving bank. It never got there. 

I have now requested the funds be returned to me but have not gotten the funds back. 

I feel the bank has been completely irresponsible and possibly criminal in their inability to rectify their mistake. 

The wire confirmation is XXXX and the receiving bank is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01
Company: ARVEST BANK GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After refinancing my mortgage with XXXX XXXX, my mortgage subsequently was sold off to Arvest Central Mortgage Company. This lender is ripping off thousands of home owners with insane fee 's. As a responsible home owner I make over payments and additional monthly payments regularly. If you pay your mortgage on their website you have to pay a fee. If you pay via your banks bill pay its free but if you make an overpayment or extra payment you need to call and have it applied correctly. When you use their customer service you're charged a fee. If you send paper checks they have a history of holding the checks until they can charge late fees. This company is a nightmare and at no point in time would I have elected to do business with them. My mortgage being sold to them is at no fault of my own and now costs me money every month in fee 's to perform the same payment functions any other lender offers for free, like making regular payments via direct withdraw from checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the list of the account that is still reporting on my account : 1. WAKEFIELD & ASSOCIATES ( Original Creditor Name XXXX XXXX XXXX ) Opened XXXX XXXX, 2015 Balance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: Navient Solutions, LLC.
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:
My complaint is both XXXX and Navient are reporting the status of an account with two different account numbers XXXX # XXXX and Navient # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally XXXX continues to contact we and not my attorney who is currently handing my account via POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: FORD MOTOR CREDIT CO.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently refinanced an auto loan. Ford Motor Credit deposited the cashiers check on XX/XX/2022. Today is XX/XX/2022 XXXX they have not yet credited my account for the payment they received on XX/XX/2022. Ford Motor Credit is effectively accruing interest on a loan that has been paid off.

This pattern and practice effectively allows Ford Motor Credit to collected interest on loans after they have been paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An extra {$1000.00} was added to my account on XX/XX/XXXX. I've spoken with XXXX XXXX and I was granted a new puppy and a {$3900.00} store credit. I also was told that the balance previous dog ( who is now deceased ) would be eradicated. The balance Keeps going from {$6000.00} to {$4000.00} and then back to {$6000.00}, messing with my credit score. I received an official letter stating that my balance should be around {$4000.00}, but then I have a bikking statement of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ALDOUS thats a company constantly calling they said I have to pay the amount of XXXX dollars because I owned to a gym which I dont remember the name but when I ask them about my information to confirm its me they deny to answer my questions I dont know why they call me I havent been involved in a gym for years besides that they report to credit institution and is affecting in my credit I would like to solve this problem as soon is posible thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The inquiries here were not authorized by me. You can see that some of this inquires are automated and duplicated. These all are labeled as soft and Hard inquires. 

Soft Inquiries XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS RPT XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Account Review InquiryXX/XX/XXXXXXXX, XXXX TRUSTED ID/EQUIFAX ID Report XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System Hard Inquiries XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX thisXX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 account with Capital One was paid in XX/XX/2020, but the company is still reporting the account as a collection/charge off account with XX/XX/XXXX and XX/XX/XXXX. This collection/charge off is showing up in the account status and payment status. These statuses are incorrect. The company should have updated these statues when the account was paid and closed. I disputed the information and the company verified the statuses as accurate, which obviously is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent 2 certified letter requesting the details for National Adjuster credit for {$4700.00}. Sent request for validation on XX/XX/XXXX and it was signed for on XX/XX/XXXX to XXXX XXXX of Ohio. Looks like after that date it was moved to National Credit Adjuster, so on XX/XX/XXXX sent a letter to credit adjuster on XX/XX/XXXX it was signed as received. I still have not received paperwork for the debt. However Credit adjusters marked my credit report as 90 days late as of XXXX, when last reporting on the file was 2 years ago. when it was moved to collection. Need also know why Credit Adjuster start over reporting after 2 years. Both letter was request for original amount, and company with date of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: IL
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 have been disputing with Experian, XXXX  and XXXX  for more then 10 months. They never send me any results or status about my claims, they just delete the dispute accounts then later down the line re-add them causing my score to drop. In my last letter on XX/XX/20, I warned them I would consider a complaint due to the FCRA regulation regarding re-inserting deleted accounts. This was ignored.

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 2023-01-10
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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX Bankruptcy Court XXXX Date Filed : XX/XX/XXXX, XXXX-Bankruptcy 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 2020-12-10
Company: Experian Information Solutions Inc.
State: MA
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:
It's impossible that this account from XXXX was ever investigated by Experian, because the other 2 bureaus ( e.g. XXXX, and XXXX  ) investigated and determined that it was in violation due to several litigation issues, and other ways that they violated the REPO laws. Dear Experian ; Im little concerned considering the fact that youre the only company that still reporting this account into my credit report. As I mentioned before, this account continues to be in violation of my consumer rights because its reporting incomplete, inaccurate, misleading information among the different factors within. I understand that you need to ensure that my credit file is always reporting the most accurate and timely information. Therefore, its impossible that this account was ever verified because I been in contact with XXXX directly, and they even sent me a refunded check of over $ XXXX because of the fraud they committed. They assured me through the letter that the credit bureau wouldve deleted this tradeline from my credit. How is it possible that you still reporting whereas XXXX and XXXX  DELETED from my credit. 

For example, base on the findings from XXXX, youre reporting wrong and questionable balance of $ XXXX, should be XXXX ; wrong last date of active, and last date of payments, also, when was this account actually closed? ; What is the first date of delinquencies-questionable? The high balance and the actual balance doesnt match what the original creditor has. Therefore, this account is unverifiable and it needs to be deleted. 

Im requesting & demanding again, that due to these several violations mentioned above that you DELETE this account permanently from my credit report immediately.

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