BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2022, I called XXXX, XXXX, and Equifax to dispute incorrect and inaccurate personal information in my credit file, causing serious risk to the security of my personal information/identity, including my credit report ( s ) being mailed to inaccurate addresses. 

With XXXX and XXXX, I verbally confirmed my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted, with an updated copy of my credit reports mailed to my current address after corrections and/or deletions. 

With Equifax, I verbally confirmed all my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted. I also verbally verified the time it would take for the updates, was provided confirmation numbers for each item ( i.e., name, address, phone number, employer ) and requested an updated copy of my credit report mailed to my current address after corrections and/or deletions. 

Attached are documents showing the only, and 100 % correct, personal information that should be on my credit reports, with notes of corrections and/or deletions from the verbal conversation written on each. 

On XX/XX/2022, I viewed my credit reports from XXXX, XXXX, and Equifax online, and my personal information section still contains inaccurate, incomplete, and outdated personal information, putting the security of my personal information/identity at severe risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Upgrade, Inc.
State: SC
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:
The account is Called UPGRADE INC. THe amount of the loan was for XXXX. The loan overview is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Credit Card Receivables Fund Incorporated
State: GA
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:
On XX/XX/2019 I was contacted via phone from # XXXX stating they are an attorneys office and I owe XXXX XXXX. I advised her that I already told several of their reps that the debt was settled with XXXX  and that there is no balance remaining as I received a settled in full letter and a XXXX. She got really angry and told me that I was going to be sued and that she did not have to talk to me she would just proceed with suing me and hung up on me. 
I have dealt with this for many months and just want the calls to stop as the debt has been cleared and I should not be harassed about issues that have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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:
Account name XXXX XXXX XXXX XXXX // Account number XXXX I requested in XX/XX/XXXX for Experian to verify the account for accuracy the account was auto verified with less than 5 days and noted " This item remained unchanged from our processing of your dispute in XXXX XXXX " So I sent another request again to have the account verified for its accuracy and Experian completely disregarded my request The account is a charge off that is reported as a charged but also reporting a past due balance " Account charged off. {$510.00} written off. {$510.00} past due as of XX/XX/XXXX. '' and also reporting charged off each month but I noticed in XX/XX/XXXX its blank this could of restarted my statue of limitations

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 2019-02-23
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019 a XXXX XXXX from a debt collection firm/attorney 's office named Caine Weiner emailed and called my employer by emailing and calling XXXX XXXX who is administrative Assistant to the CEO at the Company where I have worked for 7 years. ( See Attached email documents ) XXXX XXXX then emailed the email that was sent to her by XXXX XXXX to me. I immediately sent a cease and desist email to XXXX XXXX at her email XXXX. ( See attached email documents ) Then on XXXX XXXX XXXX XXXX ignored my cease and desist email to her sent on XX/XX/2019 and emailed and called XXXX XXXX again. XXXX XXXX then emailed XXXX XXXX 's email regarding some debt ( I am not even aware that I owe it as they will not reveal what it is for ) to all upper management and legal at my Company. I am in fear of losing my job over this person 's actions. ( See attached email documents )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Their investigation did not fix an error on your report

Complaint:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
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:
I was told I was getting extended warranty, no cost mentioned, to help lower my rate. The finance manager didnt not explain well at all. I was told I can retract the cost by signing a form of cancellation as long as I got it in with 90 days. I did and got confirmation via email. I am now 6-8 month after purchase and still have not got reimbursed for the cost. At this point I should get to keep the extended warranty and get reimbursed the cost rather than being told too bad. The dealer XXXX XXXX of XXXX AZ, offered to take my car back and roll me into a new one instead, but only give me a fraction of trade in value. I bought the Nissan in XX/XX/2017, now only 6 months later they offered me $ XXXX less than whats owed and a more expensive Nissan with barely less miles to make up for the hassel and their mistake. I have never dealt with a company who has treated me the way XXXX XXXX has. In addition, when the dealership found out they made the mistake, they tried to only offer me {$300.00} back on a {$2400.00} cost of extended warranty. The general manager XXXX XXXX, has not personally called me back to address this. He has his sales managers call me to give me a more expenses car. This dealership is very unprofessional and doesnt take ownership of a mistake, even though they have acknowledged they made a mistake. I will never use or recommend this dealership to anyone and will take action.!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So I moved into XXXX XXXX XXXX  3 years ago into a small one bedroom apartment listed at XXXX  monthly I believe. I didnt have issues paying rent and I had gotten a small puppy shortly after. It was a poodle Id say I got her 5/6 months before my lease was subject to end. It was a 12/13 month lease. Very small dog anyway me and the dog went along fine the office had no idea etc. I walked her in public at the dog park etc. at the same time I got her I got a boyfriend and lost my job at XXXX XXXX for being late. Therefore I asked him if he could help me pay my rent he said he would if I agreed to dog sit for him a few days out of the week : XXXX XXXX caught wind of his dog immediately and threatened to evict me because of it. If I didnt pay a pet fee, a pet deposit all over 500 dollars. I advised them the dog didnt live with me and that I was dog sitting daily for a few hours. At the time there was no policy against this. Because the dog didnt spend the night. So we didnt have the extra money and I moved out swiftly! With only 2/3 months left on my lease but I somehow owe them XXXX dollars if I moved out early from my current complex which is much newer and nicer than theirs I would pay the rent and XXXX dollars which totals to be less than XXXX! I am beyond XXXX about this and I have no proof of my lease because its old and Im just now at a point and age where I care to fight it because I have a child now whos XXXX  and I would eventually like a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried on numerous occasions to place a credit freeze on my account with Experian. I have attempted this at least four times over the past week, from XXXX XXXX to XXXX, XXXX. 

Although I successfully put in place freezes on the other two credit services, Experian says they are not able to verify my identity and thus can not put in place a credit freeze. I provided the exact same information as I did with other account. Indeed, I was able to open an account on Experian using this same information and gain access to the free credit report. Since doing this I have received non-stop promotional messages for their services. The credit freeze option, however, can not be done from within the account, and must be done via this separate link : https : //www.experian.comXXXX This is a clear attempt from the company to stop consumers from adding a credit freeze and to divert their focus on other products that require monthly payments. I demand that Experian alter this deceptive practice ( and the government forces them to do so ) and make it possible to establish a security freeze directly within a client account 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
Consumer complaint received 2019-08-26
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan servicing is my current loan provider. I am participating in the public service loan forgiveness program and consolidated my student loans in XX/XX/2013. I have made payments every month, but due to interest accruing, my loans eventually split into multiple sequences ( 3 at the moment ). When the split occurred, the number of qualifying payments differed dramatically, despite making the same payment every month. I have been back and forth with this company for the past few years and everytime, I get told the same thing ... the case is under review and being recalculated. " There is nothing you can do but wait. '' I have spoken to multiple supervisors with no success. They all agree with me but nothing gets done about it. Last year, they did readjust my number of qualifying payments, but the numbers still differ. Sequence 1 ( direct subsidized -- XXXX ) has 65 qualifying payments, Sequence 2 ( direct unsubsidized -- XXXX ) has 59 payments and sequence 3 ( direct unsubsidized -- XXXX ) has 59 payments. All of my qualifying payments should match. I feel like i've called a million times and always get the same response. 

I also recently applied for the pay as you earn program which would give a lower monthly payment, but there has been a delay in processing on their end. I tried calling multiple times, but nothing has been done. Late payments have been accumulating because of this, which will not count towards my qualifying payments. Please help. Everytime I contact this company, I get nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
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: Account status incorrect

Complaint:
I never gave Consumer reporting agency permission put a fraud alert on my account I am demand that they remove the alert from my account 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 non-monetary relief
Consumer complaint received 2019-08-26
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2020 : American Express Credit Cards : American Express XXXX XXXX, American Express Delta  Platinum,  American Express Platinum I tried to charge {$20.00} for a XXXX Metro Card to refill my card. I saw the transactions kept getting denied. I then used my XXXX XXXX Debit card and the transaction immediately went through. I then called American Express and inquired why the transactions on my Amex cards were denied. I was told that there was a late payment, my one day, on my business credit card. I said ok, well we did not receive a statement for that account, nor a bill, or any notice of past due or upcoming bill. I said to suspend my personal account is not acceptable as my company is a Corporation with it's one FEIN. It's an entirely separate entity and to suspend all of my personal cards with them, available credit in excess of $ 16K was absolutely because of a clerical error and ailing to notify me properly was obscene. They did not issue any late fees or penalties, I paid the amount on the company card needed to re-activate my personal cards. I only had my amex cards during this trip and my debit card, which put me in a very precarious position. This practice is utterly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently applied for a credit card at XXXX and was turned down due to a bank closing my account. I called the bank in question which is XXXX XXXX but they told me that they did not report this to the credit bureau or have a record of this. I was referred to speak to the credit agency TransUnion. I spoke to them and they do not have a record of this. So there is no way to dispute something that supposedly doesnt exist.

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 2019-02-20
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This complaint address two issues I had for the same account at the same bank. I opened a Burial Reserve CD for my mother with XXXX XXXX  on XX/XX/XXXX. I am a her legal guardian & paperwork was provided to both banks, several times. It was for 5 years, which was to mature on XX/XX/XXXX. The account number was XXXX. In the meantime, BB & T bought XXXX XXXX  & the CD was assigned another account number XXXX. When the CD came due last XXXX, the rate they were offering was less than desirable & they would not match a rate I could get elsewhere, at that time I asked to close the CD. They refused to close it unless I had a representative from the funeral home ( of which they had no interest in the account until she dies ) come in to close the account. The funeral home was not an authorized signer & were not even aware of the account. Due to the time restraint with the grace period, I was forced to leave the CD with BB & T. I was then told to take the new signature card to my mother to sign, that it had to have her  signature, even though they had the Guardianship papers, which I provided yet again. I then recieved in the mail a modification notice with the new terms & rate. The second issue came with an Abandoned Property Notice I received on XX/XX/XXXX. It stated that since there had been no client related activity within the past several years, that the CD would be escheated to the state on XX/XX/XXXX. Even though I had been to the branch at least twice during the grace/renewal period, in person, & had to make a special trip to where my mother is in a nursing home to have her sign the new signature card, then returned to the branch, in person, to drop it off. I did sign & date the escheat notice to claim the property & returned it ( no they couldn't even provide a return envelope ) by mail on XX/XX/XXXX but surely, my account isn't the only one that may be escheated to the state in error.

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 2023-02-08
Company: EQUIFAX, 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 have checked my credit report and saw late payments appearing and I am not sure where they came from. I demanded an investigation of these late payments thru the bureaus but have not received any response. Below is the account appearing ; XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Butler, Butler & Rowse-Oberle, P.L.L.C.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, XXXX XXXX office is handling a garnishment against me from XXXX XXXX XXXX XXXX. The total garnishment according to the court documents was to be {$7100.00} ( {$4700.00} for my truck & {$1900.00} for my Visa credit card + misc. fees ). 

Midway through my garnishment, my vehicle was repossessed, and I paid XXXX XXXX XXXX {$2000.00} cash in XXXX towards the balance in order to get my vehicle back. There was a {$600.00} fee added which would make a total of {$7700.00} ( XXXX + XXXX ). To date your office has garnished {$8000.00} from my payroll, plus the {$2000.00} cash paid direct to XXXX is a total of {$10000.00} that I have paid as of today, which is approximately {$2300.00} more than the court document stated. 

Over the last 3 weeks, I have tried to resolve with XXXX XXXX & the Loan department XXXX. I called XXXX, they keep referring me to the attorney. The firm sent a letter last week of what they have deducted so far, and what was " still owed '' but never addressed the {$2000.00} cash that I paid direct to the credit union. 
Can you please assist in a final resolution? 

I have all supporting documentation if required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: SC
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX, XXXX, DPT EDXXXX, XXXX XXXXXXXX, XXXX XXXX   XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
First Federal Credit Control is saying they are a federal collector and will put me in jail if i don't pay them XXXX dollars. i am brining this to the attion of the real protection bureau and maybe you guys can help me they calme i owe a debt of XXXX dollars toa XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I called capitalone informing them that I had a check getting deposited into my account to cover my negative balance of {$97.00} on Monday the XX/XX/XXXX. On the XX/XX/XXXX my account had a restriction placed on it Sunday the XX/XX/XXXX. Monday my check cleared and left a remainder balance of {$940.00}. I called the bank to see if the restrictions could be lifted but I was told no. I was willing to drive to the next state over to retrieve my money but I was told I couldn't walk into the bank to get my money I had to wait 7 to 10 business days until it was mailed. I thought this decision was very unfair so I called back the next day. Then I was told I could get the money transferred To another bank account that was linked to my restricted account. So it's now the XX/XX/XXXX and my money is still sitting in a restricted account that I have no access to.

Company response to consumer: Closed with explanation