BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed for Bankruptcy last year because of covid and I not being able to pay my bills. I was finally able to get a job, but I am still trying to survive. I asked for a covid forbearance and they will not give me one. I only used one month of the covid forbearance. The other was for me filing bk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am not responsible for any debt with XXXX XXXX XXXX XXXX . I have requested for XXXX XXXX, XXXX to provide me with the original contract signed with XXXX in which they 've never provided. If my signed proof ca n't be provided to me I would like this account to be deleted from all 3 credit bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
this loan company is sending me preapproved loan offers to an address where i do not live at and is not my mailing address. i am getting in trouble by the home owner of that address because of this. i 've never applied for a loan with company. i 've never put this address down as my address. so i do n't know where this loan company is getting their information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: CITIBANK, N.A.
State: FL
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:
I have been a victim of identity theft for over the pass 6 years .. all 3 credit report have police report on file for me

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.

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 2022-02-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of 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 2017-07-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I recently received a mailing from Commerce Bank that stated " {$300.00} cash bonus for opening a new Commerce Bank checking account, when you establish a recurring {$500.00} minimum direct deposit, with two deposits within the first 90 days. '' I opened the account within the allotted time period and followed every procedure as requested. My statements show the repeated direct deposits. <P/>Initially I had a very hard time just getting online, it took several weeks to fix a glitch in their system just so I could view my account online even though it was funded the day I opened the account. After two months or so I asked when the deposit would be made, they said after the account had been opened for 90 days. During this time period I had a hard time logging in so I called the online banking and asked what the problem was. They said that since I had written a check for all the funds in the account to another bank they had closed the account but it was automatically reopened on my next direct deposit. I asked the customer service representative why they never told me that they would close an account when a balance reached XXXX. I have had accounts at dozens of separate banks over the years and never had any of them close an account because of a XXXX balance and that I should have been informed of such a policy. I also asked if it would affect the bonus I was promised and the individual said no, it would not affect the bonus and I would still receive it. I called back again in XXXX and was told that I would be paid in during the third week in XXXX. I called after the third week in XXXX and was told it would be after the end of XXXX. Still there was no {$300.00} bonus. I called the bank branch I opened the account with directly again in XXXX and the lady I spoke with said she would research why there was a problem and contact me again. She called me back and said they input the bonus code wrong when I originally opened the account but said they had fixed the problem and I would see my bonus within a week. I received a phone call today, XXXX XXXX and was told there was no bonus because the account balance had gone to XXXX at some point. I stated that this was never a requirement, the only thing was that there be {$500.00} or more in monthly direct deposits. I asked to speak to a manger but was told he was busy and he would call me back. I waited all day and never received a phone call. <P/>Dealing with this bank has been a nightmare, all I want is what they promised me, the {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed a dispute with XXXX and equifax on my bankruptcy that they have listed. They have refused to remove it, after multiple disputes. I have even expressed that XXXX has removed it due to false information. They have the amount filed on incorrect. XXXX has it listed as I filed on {$0.00} and equifax has the amount more or less then what I filed for. I have stressed my concerns and even the possibility of a law suit if not removed. They have all come back stating that it is going to stay on my report and they have updated the information. However, they are not updating the information as stated in dispute summary. I would like this removed now since multiple disputes have resulted in the defamation of my name. I have gone back to school and I am unable to obtain personal student loans to help finance the completion of my degree. My next steps will be a law suit within the court systems if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EZCORP, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received three calls about a debt from 2014 that I already settled. Voicemail implying a threat of litigation. Agent with collection agency immediately started being condescending. On second call, another agent named XXXX XXXX introduced himself only as XXXX and refused to provide his full name, or state he was collecting a debt. XXXX XXXX proceeded to read off my name, social security number, and date of birth quite loudly and without verifying who I was and Id like the max punishment for that move, if there is one. He doubled down and said he do my bank account number next, all in the combative tone of a child playing video games. His supervisor XXXX backed him up and called me several names and was generally argumentative. Youre a scammer. Whoever these people are, they have no business having access to peoples information. There isnt a professional adult in the building. They call from ( XXXX ) XXXX and ( XXXX ) XXXX. Yall need to find them before I do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: RUI Credit Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RUI company sent me a bill for {$9300.00} and said that it was owed for XXXX. I am a XXXX VET and my wife has a XXXX as well. I have never had an XXXX account because my wife would and has paid all utilities. She collects XXXX and no XXXX account would have ever been put into my name. This account is identity theft, false collects, fraud, or at a minimum a mistake. These false collections attempt better not hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my employer without my permission. 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 2022-02-15
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to XXXX, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$3000.00} on XX/XX/XXXX, which is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am writing concerning my below. I am retired with one income. I had everything ok until the past few months. I made a complaint but M & T used my ex-husband 's account. The employees do n't know what is going on with my account and I have tried everything to get answers to no avail. I have applied 4 different times for repayment assistance and have heard nothing back. I need help and ca n't lose my home. Someone needs to investigate M & T because they are awful and are incompetent. Please help me I do n't know what to do. M & T keeps mixing up the two accounts and I feel I have done everything to fix this. I feel they owe me to fix this. I feel my account should be caught up to date without any negative affect on my credit. M & T should write off my past due and clear my account back to up to date and good credit rating. Thank you, XXXX my account number is # XXXX. Home equity Please make sure M & T gets it right

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 the late payments XXXX XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2020-02-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was trying to increase my credit limit with well Fargo and again it was denied twice due to that I have a fraudulent loan closed on my credit report and I told the credit services that I didnt apply for that loan but I paid it off anyways and I place a statement on my credit report but the credit agent said he didnt see it on his end but it saids that this loan that showing on my credit report is open by unauthorized person ... I would want well Fargo increase my credit limit due to I have a high balance that Im not responsible for and I send in some documents to the reconsidering dept and Im waiting on temporary credit but I havent received it just taking too long ... .but again my credit limit was denied due to that loan I have on 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 explanation
Consumer complaint received 2020-07-10
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:
New address : XXXX XXXX XXXX XXXX XXXX old XXXX XXXX XXXX XXXX XXXX fl XXXX ftc violations listed : XXXX/XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$3700.00} Term -- Monthly Payment {$140.00} Responsibility Individual Balance {$4200.00} Highest Balance {$4200.00} XX/XX/XXXX Account Type Flexible Spending Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$3000.00} Term -- Monthly Payment {$120.00} Responsibility Authorized User Balance {$2900.00} Highest Balance {$3300.00} Payment Status 30-59 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$210.00} Times 30/60/90 Days Late 1/0/0 XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$110.00} High Balance {$110.00} Remarks --

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions 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 have written 3 letters regarding Unverified accounts reporting three times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof

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 2017-07-12
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 have written 3 letters regarding Unverified accounts reporting XXXX times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof

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 2021-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached screen shots of accounts which have discrepencies and are reporting incorrectly to my bureas, per the FCRA if they are not reported correctly they need to be deleted.

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 2017-07-12
Company: Experian Information Solutions Inc.
State: CA
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:
Inquiries on report that are unknowing. Contacted companies and was referred to contact XXXX. When contacted XXXX customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I took it upon my self to follow the FDCPA laws and FCRA laws by sending all incorrect and damaging report to all the creditors and collections agency a Validation letter. None of the only 2 account complied with and sent a letter to remove the accounts of my credit report. I created a packet to all 3 major credit report bureaus showing evidence of all letter send and dates ( which I waited the complied 30 days gap ) advising them to remove and all accounts listed in the letters sent to all creditors and collection agencies. it has been more than 45 days and non have been removed. I also confirmed that all 3 mayor credit bureau have received the packets sent by me. I have tried to exercise my rights has its stated in the FDCPA and FCRA and non of which have complied with not even a letter or a call to fix my credit.

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 2022-02-15
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person

Company response to consumer: Closed with explanation