BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MD
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 : XXXX XXXX : XXXX ; XXXX : disputed. No response over 1 year. To add, do not owe the agency because my medical insurance covers yearly medical exam/ check up. 

XXXX. XXXX card is paid in full. Not credit reporting. Paid in full. No late payments. Closest XXXX. XXXX XXXX  was not open by me. 
XXXX. XXXX XXXX report late XXXX ; however I am paying on time. : XXXX. XXXX XXXX ; XXXX : agreement on payment made XX/XX/XXXX before the report was made as a debt on my credit account, last payment was completed. 
XXXX. XXXX XXXX XXXX : paid off XX/XX/XXXX ; reporting high balance. Closed. 
XXXX. XXXX XXXX XXXX Bank : reporting XXXX ; not my account/ didnt open this account. 
XXXX XXXX : XXXX and XXXX ; paid in full on both accounts ; never late.Bank agreement was to remove and the bank did not. 
XXXX : did not open account ; disputed several times and all XXXX credit bureaus did respond and agreed the account was not open by me. However, still showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hi, I have graduated from this school back in XXXX of 2011 under the assumption that I would be guaranteed to get a job in my field of study. Not only did they not help me get a job on my field of study, but I am now up to my ears in student loan debt. I am stuck paying for a loan for a degree that has been rendered useless due to the school closing its doors. This loan has cause so much hardship Im not sure what to do at this point. Ive tried countless times to get a job in my field but as soon as I even mention XXXX XXXX name I seem to be XXXX balled. I am looking to wash this debt completely from my credit because I can not move forward with my life with this anchor of a debt holding me down. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I disputed unauthorized transactions on my credit card and Capital One refused to send me the credit balance refund on account, requesting verification of payment I made last year, which I sent them the documents. To add insult to injury Capital One decided to take back the credits for the unauthorized charges I disputed and make it look it like I owe $ 300+ now. This is absolutely ridiculous and unethical. I would like my money back or I am taking legal action. They held up my money for months and now they take back the credit for the unauthorized fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: AZ
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:
The following account and credit inquiries listed on my Experian credit report is unauthorized, fraudulent and not my account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and 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 2023-02-03
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted XXXX XXXX XXXX the summer of XXXX requesting a refund of all payments paid during the pandemic. I was told to wait 30 days and I should have the refund. I contacted them again around XX/XX/XXXX and was told that the loan was transferred to Mohela. I was told that the request to refund payments paid since XX/XX/XXXX was transferred when my loan was transferred. I requested a payment history. XXXX said that they do not have it because they transferred everything, including my history. 

I contacted mohela regarding the refund request and payment history. They told me they could not refund payments paid prior to the transfer and they do not have the payment history. On or around XX/XX/XXXX, I again contacted mohela. I was told that they did not have a refund request in their system and it would take 90 days. They sent a payment history, 4 of the 7 original loans. It is now XX/XX/XXXX and I continue to have unresolved problems with my servicers. I have yet to receive the refund of over $ XXXX owed to me, they have not sent a payment history for the 3 loans that are recently paid off. Any help resolving these issues is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on NAVY FCU XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: CT
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:
XXXX, Equifax and XXXX  allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This student loan servicer, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, deliberately placed my loans into forbearance, so they could make money on the interest being collected, without my knowledge or my permission. I made them and the US Department of Education aware that I would be entering into a full-time program, in XX/XX/XXXX. I recently became aware of what was going on once I received a notice informing me that repayment is due on my loans in 30 days. Instead of placing my prior loans into deferment, they told me on XX/XX/XXXX, that " they were doing me a favor, and they did this will all their loans. I XXXX in XX/XX/XXXX. They revoked my 6-month grace period that all students receive after deferment from a full-time educational program, by initiating this ILLEGAL tactic in order to turn a profit. This loan servicer failed to inform me of what was going on and employed the illegal/fraudulent practices of their fellow loan servicing company, XXXX. Thousands of dollars of interest have been generated on loans in which I was guaranteed 0 % interest rate growth while in school. Instead, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the US Department of Education have failed borrowers by letting this type of behavior continue to go unchecked. This company told me flat out " WE DO THIS TO ALMOST EVERYONE, AND NO ONE COMPLAINS. '' This is fraud and should be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Convergent Resources, Inc.
State: NJ
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:
I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is 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
Consumer complaint received 2018-12-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30   days late as of XX/XX/2018 and 60 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to 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 explanation
Consumer complaint received 2021-02-26
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 belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NY
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 have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Bread Financial Holdings, Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, we purchased two vehicles from a XXXX dealership in XXXX, KS. The dealership qualified us for two XXXX credit cards for XXXX and I, with credit limits of {$2000.00} and {$1500.00} respectively. The dealership maxed out both cards as down payments. The dealership did not disclose the specificity of the credit cards, thus we understood the cards to function as revolving credit cards. The dealership and Comenity failed to provide full disclosure of these being promotional credit cards, with specific dates for full payment of balance, not monthly payments, as we understood. Payments were made on the due dates per the contract. Each payment made reflected an increase in credit available. 

For example, using my card transactions, due on the XX/XX/XXXX of every month. From XX/XX/XXXX to XX/XX/XXXX, available credit had accrued to {$310.00}. However, the XX/XX/XXXX balance was reduced to {$160.00} on XX/XX/XXXX there was a PROMO FINANCE CHARGE ADJ of {$210.00}. 

The XX/XX/XXXX statement reflects another avail credit accrual. However, payments made on the XX/XX/XXXX were not posted to the account until a day of two after the due date, causing late fees of {$38.00} to be charged to the account. On both credit cards, payments made on time on the due dates were processed at later dates and accounts were charged with finance charges, late fees plus interest charges. 

The XX/XX/XXXX, the credit limit was {$1500.00}. Avail credit was {$220.00}. 

In XX/XX/XXXX, credit limit was reduced to {$1200.00}, and available credit was {$10.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$210.00} difference in avail credit. 

As of statement closing date XX/XX/XXXX, avail credit balance was {$72.00}. However, as of statement closing date of XX/XX/XXXX, the avail credit balance had dropped to {$5.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$66.00} difference in avail credit. 

As of statement closing date XX/XX/XXXX, avail credit balance was {$97.00}. However, the following month, at statement closing date XX/XX/XXXX, the credit limit was further reduced to {$1200.00}, and avail credit was {$0.00}. 

Several issues in question include but are not limited to : 1. Payments made on due dates were processed at later dates and accounts charged finance charges, late fees plus interest charges.

2. Comenity failed to provide full disclosure in its credit approval process, regarding promotional credit cards.

3. Comenity failed to provide full disclosure on hidden fees and reductions of credit limits and available credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Homeowners assistant funds has sent a bulk payments to my lender on XX/XX/2022. It's now XX/XX/XXXX and they still have not apied payment to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: SKO Brenner American, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX XXXX, I received lab work by XXXX XXXX XXXX through a XXXX XXXX program provider. All medical bills under this authorization are 100 % covered by my insurance. My insurance company paid the debt owed and I later received collection notices from SKO BRENNER AMERICAN , INC . I called my insurance company and they were able to rectify the situation. However, I have received two more harassing collection letters stating I still owe them. I called my insurance company and they tried reaching out to XXXX again to no avail. They could not get through to anyone and neither could I. However, they assured my insurance company that they would remove the charges. Please help get the this situation resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Complaint is regarding to Citibank unlawful report on discrepancy shown in my XXXX  credit portfolio of my husband Macys/DSNB credit card Account No : XXXX, Address ID : XXXX that I was only an authorized signer without being responsible toward it. Further, said account reported by Macys/DSNB and/or Citi bank Collection Dept on XX/XX/XXXX, exceeding over seven years reporting period. Pursuant to the agencies ruling policy it must be also deleted by XXXX, as done by other agencies. 

This account Owned by my husband XXXX XXXX, Birth XX/XX/XXXX & SSA # ending XXXX. I was an authorized signer and not the Owner or Cosigner. As an authorized signer who I never used this card to the best of my recollection, I am not responsible toward this account. XXXX  and Citibank presumed an unlawful action by registering triple times of my husbands store credit card as a Discrepancy on my credit portfolio that all must be deleted. 

Due to medical disorder my husband contacted Citibank recovery Dept & spoken with Citibanks manager, Ms. XXXX ( KY ), at ( XXXX ) XXXX. She removed XXXX  & XXXX, but XXXX  still pending for deletion. It caused for not being able obtaining loan and refinance high interest mortgage due to negative collection report. Further, I hereby elected my husband XXXX XXXX as an authorized person to act in my behalf with full Power of Attorney ( PO ) without any Limitation. 

I kindly requested for deletion of Discrepancy by Citibanks order to be performed by XXXX  is kindly requested urgently. Your truly- XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
one inaccurate bankruptcy is reporting under equifax credit reports of mine, this is a complete inaccuracy that is reporting gunder equifax, i have never had a public record filed. please find attached the documents that i have received and specifically shows that i have no public records what so ever, please make my complaint and proceed to having equifax remove this inaccuracy reporting cause they a re not helping me in this case and are not helpful at all, disputing inaccurate and wrongful way and very much disrespectful thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ovewviewing my credit file a lot of information is invalid. I am interested in disputing all of the incorrect information on my credit report with transunion. all information is supposed to be 100 % accurate an its not reported correctly.

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