BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To Equifax Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because in the high balance section of this listing it is reporting ( {$3600.00} ) which is Less Than the Original Balance of ( {$3600.00} ). How could this be? The " high balance '' can not be lesser than the original balance. Please Delete! 

Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with capital one, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XX/XX/XXXX in the  amount of XXXX $ and the next was XX/XX/XXXX XXXX  $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XX/XX/XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XX/XX/XXXX and XX/XX/XXXX you have no payments at all reflected, I can understand XX/XX/XXXX but NOT XX/XX/XXXX and XX/XX/XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I applied to XXXX for a Line of Credit for my XXXX XXXX.I was denied credit on the basis of a Credit Report provided by Experian.Review of my Experian and XXXX  Credit report revealed two XXXX XXXX Accounts the First Account with a Balance of {$6400.00}, Limit {$8700.00}, Usage 74 % Status : Current.This is the Account that does not belong to me.The Second Account XXXX XXXX/XXXX and XXXX/XXXX Balance {$7900.00}, Limit {$8700.00}, Usage 91 %, Status : Current Open XX/XX/XXXX is my Account. 
I submitted a Dispute to Experian on February 19,2019.I telephoned XXXX XXXX Customer Service no fewer than 10 times, Each time, I was told that they had researched my account.And it was determined that the second account was the only account that was associated with my Social Security Number.And that only one Account was being reported to Experian.I informed XXXX XXXX   Customer Service multiple times that Experian was listing two accounts with two different numbers on my credit report.XXXX XXXX insisted that they were only reporting the second account.I telephoned Experian regarding the results of the dispute.I was informed by Customer Service that XXXX XXXX verified that " Both '' accounts belonged to me.Experian was contacted XX/XX/XXXX.Last contact with XXXX XXXX  Customer Service XXXX XXXX at approximately XXXX EST.I again stated to Experian and Customer Service that the issue of an Account that does not belong to me, is still being reported as an account that I am responsible for.Both parties have failed to correct erroneous information that has been overwhelming harmful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been to US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX paying one of my companies credit card at XX/XX/2018. At branch I hand my ID, company name and {$1200.00} to teller. Same afternoon I received phone call from US bank XXXX department to inform me there is still around {$100.00} balance I hadnt paid yet. At spet XXXX I went to other branch to pay the remaining balance. US bank told me the {$1200.00} not going to right account. And new balance is XXXX which I had to pay. After the branch contact XXXX department, they would told me the amount going to my other company credit card. All they can do is pay that one first which is XXXX something. The rest of money can go to right account. Since there is mistake made by us bank employees, why US bank charge me XXXX more term interest on my cc balance?

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 2018-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed these charge off on this XXXX   XXXX And XXXX  XXXX XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. 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. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' "

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: NC
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:
This letter will serve as the second formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. In which both companies have responded with the same incomplete result from the original issue I reported On XX/XX/2019. Upon receiving a letter from XXXX XXXX dating XX/XX/2019 stating that they are currently reporting correctly to all three bureaus. Also a letter from Experian reporting a date of XX/XX/2019 and an Experian report number of ( XXXX ). In which, the Experian report does not show my current XXXX XXXX Credit card reporting. There is still a major disconnect between Experian and XXXX XXXX. Furthermore, the issue has NOT been resolved! I have attached in this document the original complaint also the new complaint. I would like this issue resolved immediately. The initial complaint was filed through the CFPB. This second round complaint will be mailed certified and filed through the CFPB as well. I am looking to get an IMMEDATE resolution to this issue. I have spoken with XXXX XXXX and Experian both several times and both companies are saying that I need to contact the other company. Due to the fact they are not responsible for this issue. This leaves me in the dark without a satisfactory resolution. This issue has been occurring for over 30days! An immediate resolution is required at this point.

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 2020-07-18
Company: Southern Auto Finance Co
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Basically I have a 30 day lateness on my Credit Score from XX/XX/XXXX 
This 30 days lateness happened at the height of the Corona Virus pandemic. At the time I was XXXX XXXX believing that I had the XXXX. Which due to my illness prohibited me from working. Later I found out that I had all the symptoms of the XXXX XXXX. I called and spoke to a representative in regards to my 30 Late payment. In hope of having my Creditor removing the 30 days late payment. 
After speaking to a supervisor from my Credit Union, I was informed that they WEREN'T able to help me. Unfortunately the 30 days lateness due to my illness of the XXXX XXXX   has put me in a huge jam. Especially since I had plans on purchasing a house at the end of the year. The 30 days lateness on my credit report has damaged my chances of buying a house at the end of the year. Since my 30 days late reporting, my score dropped at least 200 points. So please I would appreciate your help in assisting me with removing the 30 days lateness from my Credit Union. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX the bank charged me an overdraft fee for an account that had a positive balance. This in turn caused another transaction to overdraw the account by the value of the fee ( {$36.00} ) and XXXX cents on XX/XX/XXXX. I have overdraft protection with the bank and more than 34 cents in my savings account but less than 36 dollars at the time. Without the first fee I would not have been levied the second. On the XXXX I contacted the bank to resolve this and they dropped the first fee but did not, however, drop the second. I wouldn't nickle and dime this sort of thing if every nickle and dime didn't matter.

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 2019-02-22
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted XXXX and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with Experian, XXXX and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. XXXX, XXXX and Experian will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.

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 2019-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery is damaging my credit. I do not owe ally financial any money. I already filed a claim against the car dealership and was able to get my down payment back. I returned the car less than 3 weeks because of it being defective. They are disgusting pests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted XXXX and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with XXXX, XXXX  and Equifax because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. XXXX, Equifax and XXXX  will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: KS
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:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Your categories do not address my needs, which is no surprise. Why not have a category for cancel immoral, illegal, unjust, capitalized usury? I have paid {$69000.00} for the last 23 years on time, I only borrowed {$34000.00}. I am requesting and have requested ( begged ) via Navient and the Department of Education Ombudsman that the rest of the usury amount showing owed be canceled. I requested a copy of the phone calls I made on XX/XX/XXXX, they advised I need a court order or must hire an attorney. Really!!?? Incur more expense and time dealing with a loan I have paid for twice? Navient is one of the main reasons that Americans no longer have ANY trust in the so-called system. It is rigged by greed from top to bottom. Navient 's agents and supervisors are merely hired gatekeepers without a good moral compass. They and the Department of Education hide behind complex laws and regulations that they bribed legislators to pass. This is the height of evil. If you all are just playing with people and pretending to protect consumers, you are also evil. If you send me a scripted response instead of actually meting out justice, it will prove my case. I have paid what I borrowed TWICE. The right thing to do would be to just cancel the rest and move on. The government via Navient and it's pawns wants to enslave me for life. My loan was consolidated in XXXX, 27 years ago, I originally borrowed in XXXX, 36 years ago!!!! I was in school full time from XXXX getting a Ph.D. Unfortunately, that was a mistake on my part, believing in the so called American Dream. But, I have paid a VERY high price for this mistake already, and should not pay another day!!! You people will not get away with this financial genocide that you are perpetuating on Americans like myself. From this day forward, every dollar that is exhorted from me via usury and capitalized usury added to my original amount will be a mark against this government, because it is rooted in systemic elitism that is encoded within labyrinth student loan laws. The government has not fooled us! I don't care how many laws and lies you throw my way, they are all UNJUST. Every dollar that I pay going forward will also be blood money on your hands because you are not working hard enough, boldly enough, or courageously enough to do the right thing. Lastly, one of Navient 's supervisors even laughed at me while I was crying. That's OK. It demonstrated to me how right I actually have been about the systemic corruption, systemic elitism, and for those of us who are XXXX systemic racism. I will WIN in the end because I have done the right thing. The government can hide behind unjust laws, Jim Crow Codes and Regulations, and deceive itself forever. Rest assured that it will be amusing conversation to the XXXX, but it is not amusing to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
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 status incorrect

Complaint:
Due to a decrease in my income i fell behind in paying most of my bills, one of them was my credit card with XXXX XXXX XXXX. They eventually closed my account and sold it to XXXX XXXX XXXX, XXXX without my knowledge/permission. The owed amount was {$1300.00}. I agreed to pay XXXX on a monthly basis to cover my debt. I made the last payment to cover the full owed amount on XX/XX/XXXX ( see attached screenshot that amount was debited from my account on XX/XX/XXXX for  {$220.00} ). I have since then tried to have this derogatory item removed from all 3 of my credit reports but only recently discovered that the payment status is inaccurate on all 3 reports as seen on Experian, com ( paid service to view all 3 credit score/reports ). I confirmed with XXXX up to today XX/XX/XXXX that they received the final payment on XX/XX/XXXX to cover the full owed amount. I am concerned that the report is showing that i 'Failed To Pay or FP ' in XX/XX/XXXX ( see attached screenshot ). This is inaccurate information that is negatively impacting my score and as such hindering my opportunities to access favorable interest rates on a mortgage.

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 2019-03-06
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never notifed about this debt until it popped on my credit my insurance was to cover all medical expenses i was. in a very bad car accident I then called the collection agency and they said they never sent out notice to me directly but sent notice to my insurance company XXXX and since they didnt hear from them they put it on my credit I then paid the bill and they said they would delete it but now they are saying they cant even when I wasn't notifed of this debt please help me to get this removed asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation