BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: Bread Financial Holdings, Inc.
State: PA
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 a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Navient Solutions, 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:
navient is reporting incorrect information about my student loans to the credit bureau since XX/XX/2020. My credit score has dropped almost 200 points from this information. when i contacted Navient they told me theyre not reporting anything and havent since XXXX when my student loans were more than 30 days late. They then told me to contact XXXX XXXX and XXXX  directly to see what is going on and they continue to tell me they receive all their information from navient. 
the issue is every other 2 weeks my credit score drops or comes up because theyre reporting an increase or decrease in the amount of the loan. my student loans are currently covered under the covid act and the other ones are in forbearance so they shouldnt be reporting any type of change because they are current and no payment is required at this time or interest. 
they also arent showing which loans are decreasing and increasing and the original loan amount is still the same on all the loans listed on my report.. one student loan they report as decreasing in the amount of {$6300.00} then the following weeks increasing the same exact amount. ive spoken to navient 7 different times about this issue and they continue to tell me nothing is being reported. 
this information on my credit has made me unable to move or get the car ive been trying to get and no one seems to help fix it. my credit score continues to drop after ive tried so hard to rebuild it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM EXPERIAN, XXXX  AND 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 2020-07-28
Company: BYL Collection Services
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX, BYL COLLECTION SERVICE, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, BYL COLLECTION SERVICE, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is already paid with the original creditor and they agreed to remove the negative information and collection from my account with 24 - 48hrs. 
The collection agency just updated and reported the collection account to another credit bureau and I would like them to stop since the amount was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Resurgent Capital Services L.P.
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:
On XX/XX/2020 I paid Resurgent Capital Services a collections company {$170.00} for an account that had been sold to them by XXXX. I called XXXX to inform them that I had paid off the debt with Resurgent Capital Services, they informed me that I could call Resurgent Capital Services to have them contact XXXX about the {$170.00} having been paid in full. Resurgent advised me that is not something they do, but that they could send me a letter saying it was paid. I received the letter and called XXXX, who advised me that there was nothing they could do and to contact Resurgent. So at this point Im being given the run around after trying to update my account with XXXX, which had been sent to collections and bought by Resurgent, in which I paid in full the balance owed. And to date my information still has not been updated with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Despite having filed a complaint last year about receiving unsolicited marketing materials from Wells Fargo ( see # XXXX ), I keep getting them. Attached you will find copies of two such mails I got in the last two months. This despite having called them again last month requesting them to stop sending me such mail, and the many times in the last two-three years that I've called them about this.

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 2020-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am an elderly woman and believe someone has taken advantage of my information and open accounts in my name that are not mine. The following accounts are listed : CAPITAL ONE # 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. I am a victim of identity theft and all these accounts are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$650.00}

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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities  claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2019-03-07
Company: North Shore Agency, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018, the XXXX XXXX XXXX  sent me unsolicited merchandise which I did not order in the form of some type of coin ( I had never even visited their website until recently to figure out if they were a scam ) and sent me a bill demanding payment of XXXX for this coin I did not order. I looked up my rights and found that Im at no obligation to return unsolicited merchandise and so I ignored their mails. I recently received a notice from North Shore Agency that this has been turned over to collections. I have a very good credit score and need to get this resolved. I did not order this merchandise do not want this merchandise and know that I rightfully do not owe them anything for sending me a coin that I never ordered. That said, Im happy to return their coin to them at their expense only. I found that another person has also reported the same issue on the Consumer Affairs website in XX/XX/2019 so I do not know how many people potentially find themselves in this position but wanted to make you aware of their unethical practice and need to know how to proceed? Thank you for your time and support in this matter, Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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: Their investigation did not fix an error on your report

Complaint:
There were alot of errors on my credit report. I submitted a dispute addressing the errors but after submitting the letter the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: PA
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information 15 USC 1681 section 604 a section 2 says " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies Equifax, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: VA
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: MOHELA
State: IL
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:
I sent the following message to MOHELA on XX/XX/XXXX ( personal data redacted ) : To whom it may concern : These are standing payment instructions for my account # XXXX. Any and all payments made to this account are to be applied to the current bill. If the current bill 's minimum payment and all accrued interest has been met, payments are to be applied to the principal balance of the loan with the highest principal. I NEVER want a single payment or Auto Debit payment to be used to 'advance the due date ' on my loans or put them into 'pay ahead / paid ahead ' status. To repeat, all overpayments to this account shall be applied to the principal of the loan with the highest balance. If any of my payments are not applied per these standing instructions I will be contacting the Consumer Financial Protection Bureau and I will pursue all necessary legal actions against MOHELA. Thank you, I received an automated response stating that they had received my message. However when I check my account I see that they have indeed placed my loans in a " paid ahead '' status, with the next due date being set to XX/XX/XXXX. This, of course, in no way benefits me as a consumer or debtor, which is why I gave them such explicit instructions. As they are ignoring my instructions I can not trust that they are calculating my interest correctly or not otherwise committing any kind of fraud. I would appreciate any help you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Convergent Resources, Inc.
State: FL
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:
I had this debt on my credit from XXXX and XXXX XXXX agreed to remove the debt from my credit report and they did in XXXX and now this company XXXX XXXX is trying to collect the debt XXXX XXXX agreed to resolve I'm buying a house in 2 weeks and I need my credit score to remain high

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Me & wife applied at same time for 2 separate cards with same income. Capital one granted her XXXX line of credit. Me XXXX. Wife XXXX I'm XXXX. Ran my card up and try to pat off my account using our bank card from XXXX. They told me that I had a fraud alert on my account and wanted the bank to verify transaction. Wasn't going to accept payment or release account. They turned around took payment and closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains a total of numerous late payments reported between XX/XX/2020 to XX/XX/2020 ] for several of my accounts. 
I want you to know that I understand my financial obligations, and if it were not for the Covid 19 Pandemic, I would have an excellent repayment record. From XX/XX/2020 to XX/XX/2020, I experienced a devastating financial blow from Covid 19 affecting my employment of 8 years and ability to afford payments to my credit cards and mortgage temporarily. I did reach out to all my creditors to help accommodate during the pandemic, but I now have realized I was still reported in error and was never helped. Prior to Covid 19 I have never missed a payment on none of my accounts and had a 100 % repayment history. I made a mistake in not keeping an eye on my credit as this is the first time, I have used a credit reporting company, but moving forward, I will treat my credit with the utmost importance and have kept my eyes on every update to prevent any future errors. Since then, I have had a spotless record of on-time payments. 
I am planning to apply for a mortgage, and it has come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments for the following accounts. 
US Bank Mortgage = Account closed paid off, Dates reported late= XX/XX/2020 2020

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see all accounts in my attachment. I have also attached a copy of the law FCRA 605b.I have also attached a copy of a FTC fraud affidavit.

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