BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: Freedom Mortgage Company
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and XX/XX/2019 payments were reported late, but they were not. 
Disputed actions several times, and I have not heard anything back from them or the 3 credit bureaus.

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 2022-11-07
Company: EQUIFAX, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the timeframe specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: North Shore Agency, LLC
State: WI
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:
Well over a year ago I was sent a book in the mail from XXXX XXXX. I had subscribed to their magazine for my elderly mother. I did NOT open the package and marked on the outside of the package, " Refused! Return to Sender. '' Since then I have been sent a bill, at least once a month, for the book in the amount of {$27.00} from a collection company, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, NY XXXX. I didn't order the book and I returned it and I will NOT pay for something I did NOT order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: GA
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 submitted an online pre-qualification request to XXXX XXXX XXXX on XX/XX/2020. I specifically ensured I was doing the form for a pre-qualification as I didnt want a hard inquiry on my credit report as Im in the process of building my credit and have done my best in the past year or so to avoid unnecessary hard inquiries. XXXX XXXX then proceeded to process my pre-qualification as an actual application for credit and created a hard inquiry on my Equifax report that lowered my credit score. After contacting both XXXX XXXX and Equifax, both are pointing the finger at each other and neither believes they can fix the issue which is simply a supposed to be soft inquiry gone awry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX-REPORTED XXXX Balance : {$140.00} ; XXXX XXXX-REPORTED XXXX Balance : {$62.00} ; XXXX XXXX-REPORTED XXXX Balance : {$14.00} ; XXXX XXXXREPORTED XXXX Balance : {$100.00} ; XXXX XXXXREPORTED XXXX Balance : {$5.00} ; XXXX XXXXREPORTED XXXX Balance : {$100.00} ; XXXX XXXXREPORTED XXXX Balance : {$22.00} ; XXXX XXXX-REPORTED XXXX Balance : {$130.00} ; XXXX XXXXREPORTED XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$95.00} ; 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 XXXX XXXX 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 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
CAPITAL ONE CREDIT CARD ACCT XXXX COMPANY AGREED TO REMOVE ACCOUNT FROM CREDIT REPORT IF PAID IN FULL THIS HAS YET TO OCCUR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a store credit card debt through Best Buy but i run into trouble paying the charges so the company made payment arrangement and froze interest charges. As part of the arrangement I monthly payments was to be by auto direct payments form my check-in account. 

I lost my job there after and direct auto payments form check-in account were returned and arrangements on the payments could not be honored. I also I incurred returned fee charges on my bank account. 

I started receiving bills with charges greater than agreed so I sent email to inquire about the charges but never got a response. I was earnestly intent on resolving the issue but never got a response. 

The debt was transferred to XXXX XXXX XXXX and I disputed the amount claimed. They sent me details of accumulated interest charges so that the claim now it far more that the balance agreed and over a XXXX dollars more that the initial principal amount of charge. 

I am frustrated that I cant get Citi Bank to resolve the issue and I have to deal with the debt collector. 

As of now they have filed a claim against me at the Small Claims Court so I want to be able to resolve the principal amount of the debt with Citi BAnk.

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 2017-09-14
Company: Vinci Law Office, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a phone call from XXXX XXXX XXXX in XXXX, Colorado. They are attempting to collect on a debt I do not owe and are also contacting me after I told them not to contact me because I have proof I do not owe the debt. 

They called me on XXXX/XXXX/XXXX at XXXX. The number they called from is XXXX. They asked to speak to me using a name I used in childhood that is not my legal name. When I asked what it was about, they said they were from XXXX XXXX XXXX, who I have filed a claim against before, and asked for my social security number. I told them I knew what it was about, I know I do n't owe the so-called debt and have proof and I was n't going to give them my social security number because I know my rights and I do n't have to. The person on the phone then pretended like he could n't hear me and hung up. 

I immediately called back and spoke to a XXXX. I told them this is the second time this happened, I know I do n't owe this debt, I do not want to get calls from them anymore, and it 's unacceptable that I was treated this way AGAIN by XXXX of their employees when I refused to give my social security number. I also informed them I would be filing a complaint, again, because this is unacceptable. They promised to remove me from their system and claimed they had no idea how I got re-activated in the first place. 

This is officially bordering harassment as meets the legal definition and I want them to stop attempting to collect on a debt that is not owed, stop trying to force my social security number out of me ( scammy! ), and stop contacting me all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This is in response to XXXX XXXX pathetic attempt at dealing with my complaint. their response to my cfpb complaint is a true example of exactly how inept this company is. They didn't response to even a single complaint I have. Their response is useless so I will try again until they actually do something. 

I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also  emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Paid in full XX/XX/12 Sent check and cashed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-06
Company: CIG FINANCIAL LLC
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: Account information incorrect

Complaint:
There is an account for CIG Financial reporting on my credit reports. On at least 3 occasions in the last year I have requested information on this delinquent account. On one occasion they responded with information that did not belong to me. Apparently this is an auto loan account. Upon my request they submitted " validation '' of the account. According to their records, the charge off was for a XXXX car, which I have never owned or purchased. I subsequently responded advising that they are reporting inaccurate information on my credit reports. This is when they stopped responding to my requests. 
Please help me. I am trying to purchase a home for my children and this account, this overtly inaccurately reporting account is stopping that process. 
I need some muscle to help me fight this. I've never purchase a XXXX car. This is what they have as a charge off on my credit reports. I would say that falls in line with inaccurate and must be deleted. 
Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Nelnet, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet Thank you for taking the time to read this letter. I recently pulled my credit report and found that Nelnet Student Loan Servicing reported a late payment regarding my account.

I am requesting that this late payment be assessed for accuracy. 

I believe this reporting is incorrect because I was attending XXXX College XXXX XXXX XXXX XXXX from XX/XX/XXXX -XX/XX/XXXX .I have included the documentation to prove that I was enrolled Full Time during this time that my loans were reported as delinquent and should have been applied as In-School Deferment. 

My credit report stated a delinquency in XX/XX/XXXX from Nelnet. I am currently with XXXX XXXX due to a recent loan consolidation, and deeply ap [ appreciate the time and service you previously provided. 

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2019-03-19
Company: Western Benefits Group, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I set up a consolidation re payment plan through Western Benefits group and come to find out it is a free service from my loan provider XXXX XXXX XXXX. Western Benefits required an upfront payment of two installments of approximately {$300.00} each than {$35.00} a month following those two payments. I signed up in 2015 and have paid approx. {$1800.00} to this fraudulent company with no benefit from it what so ever. Please be advised and call your loan provider. This company is a SCAM!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Someone used my identity to purchase a vehicle from capital one as well as a credit card. When I found out, I disputed the charges and the accounts. The credit card has since then been removed but the auto loan has popped back up on two bureaus ; XXXX  and XXXX. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 a XXXX account was opened under my name without my knowledge or consent and was used and left a {$1000.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2019-03-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I got a XXXX dollar private loan from Sallie mae, a small portion which was federal, to attend XXXX school. The interest for the loan was 14 %, I payed {$600.00} a month for 7 years. I payed back XXXX and still had 10 more years estimated that i pay them {$600.00} a month. I have never made more than 20k in a year but I'm obligated to give them XXXX of that a year and yet the best lowering of payment they ever offered me was paying {$550.00} a month. Now that I've defaulted I can no longer get any record of how much I payed them and I am no longer able to login on my online account. I was XXXX and didnt know better but was told after I asked that I would be able to afford this. This loan was predatory and paying $ 600+ a month for 17 years of my life when I never made more than {$1500.00} dollars in a month is absurd. Their help was to lower my payments by not even a three digit number. I also no longer have access to my account to prove how much I have payed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX there was a transfer from KEYBANK to KEYBANK account. I erroneously was charged a {$34.00} overdraft fee when there was no overdraft. My balance was XXXX. Overdraft charge of {$34.00} made my account $ XXXX. 

On XX/XX/XXXX at XXXX I made deposit into account via ATM AT a branch in XXXX NY , which was {$44.00} to bring account to {$10.00} while I disputed the gauging Overdraft. I didnt want to have it negative. 

The deposit did not register I notified branch personnel on site they told me to call 800 and dispute it. I did call and dispute it. 

On XX/XX/XXXX, KEYBANK charge my account a 'recurring overdraft charge ' of {$28.00} while ignoring my complaint and not repairing error that occured on XX/XX/XXXX and at ATM on XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation