BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: AES/PHEAA
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:
All loans have been on hold because of income driven repayment. Due to COVID, 0 % on interest. Had my credit checked ( XXXX ) and my report stated that I was delinquent because of student loans. I already talked to Fed Loan ( XXXX ) and I'm not delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. XXXX literally told me that I can not have a 1 letter last name. XXXX would no longer help me any further. Experian can not find anything except when entering my middle name of XXXX as my last name. What they did find are two older accounts that were closed over 10 years ago. Experian did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX   XXXX  XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.

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 2023-04-16
Company: Experian Information Solutions Inc.
State: AL
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:
Credit cards has not been updated and inquiries are past the 7 year mark. They have been update with every other bureau.

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 2019-07-31
Company: Experian Information Solutions Inc.
State: TN
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:
The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

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   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 non-monetary relief
Consumer complaint received 2022-02-08
Company: SG and Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Stafford Group XXXX  XXXX is trying to turn an old debt into new debt that has already been filed in Ch XXXX case # 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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off on XX/XX/21.

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 2020-06-02
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In mid-May I emailed CashNetUSA to let them know that due to health issues ( XXXX XXXX and XXXX XXXX ) that my income is now much lower and I can not afford my regular payment. 
I have had my loan with CashnetUSA since XX/XX/2018. The original loan was over {$3000.00}. I have NEVER missed a payment. They did reduce my credit line to {$2600.00}, which I had no problem with about the time the Cortona Virus started.. 
On XX/XX/XXXX I received an auto generated email back from CashNetUSA giving me a number to call, which I called the same day. 
I was told that they do not offer loan modifications. Period. 
I would like to request that CashNetUSA redo my loan so that I can make principal payments and pay them off. I have already been paying around 299 % interest, so they would not lose a cent on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-09-24
Company: MOHELA
State: AL
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:
On XX/XX/XXXX I consolidated my federal loans with MOHELA and applied for SAVE. It is now two months later and my loans have not finished consolidating and I have no idea what my actual payment will be. As of two days ago, I received a statement showing my payment due on the level repayment plan. That is not the plan I applied for. My loans should not be in repayment while a repayment plan application is pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I always paid off my New Balance before or on the XXXX  of every month On XX/XX/XXXX I paid {$710.00} for my XXXX Credit Card XXXX XX/XX/XXXX Payment Due Date from my XXXX Checking - XXXX However on XX/XX/XXXX XXXX Credit Card showed ELECTRONIC PAYMENT on XX/XX/XXXX so I phoned Capital One Customer Service at XXXX told me that Capital One will waive {$25.00} of Fees Charged and {$11.00} of Interest Charged before I closed all accounts with Capital One on XX/XX/XXXX On XX/XX/XXXX I paid {$1900.00} my XXXX Credit Card XXXX XX/XX/XXXX Payment Due Date from my XXXX XXXX XXXX XXXX checking account because Capital One did not waive {$25.00} of Fees Charged as Capital One told me when I phoned Capital One before I closed all accounts with Capital One on XX/XX/XXXX Now on my XXXX Credit Card of XX/XX/XXXX Payment Due Date showed {$5.00} of Interest Charged while I closed all accounts with Capital One on XX/XX/XXXX I need XXXX XXXX XXXX to contact Capital One about refunding {$25.00} of Fees Charged as Capital One told me when I phoned Capital One before I closed all accounts with Capital One on XX/XX/XXXX and negating {$5.00} of Interest Charged while I closed all accounts with Capital One on XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-03
Company: Experian Information Solutions Inc.
State: FM
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 been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact Experian, XXXX and XXXX   via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.

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 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to the CRA several times about the XXXX accounts. 
I have proveided proof that the XXXX accounts were not mine and the CRA deleted all the XXXX ( XXXX XXXX XXXX XXXX ) accounts and updated my report. 
The problem is when they deleted the fraudulent account they should have also DELETED the XXXX inquirys as well. 
The XXXX inquirys are not mine and should be removed asap, cause they are associated with the fraudulent address that was removed and the fraudulent account that was just removed. 
PLEASE REMOVE THOSE INQUIRYS ASAP. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this 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 2021-05-25
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Truck was in the business name I was a signer on the loan. The Truck was stolen and reported to the XXXX XXXX sheriff 's office. Ally told the Person who stole the truck if he makes payment on it and gets the business in his name he can keep it. I had insurance and Gap on the Truck when this all took place. the person who stole the Truck XXXX XXXX XXXX department was there when the truck got totaled. they did nothing to XXXX XXXX XXXX. I haven't got a single word from ALLY why this is still on my report when it was totaled had GAP and Insurance. Please help me out. this is not my debit at all.

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 2018-07-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Received a email my account is in overdraft for XXXX you can not withdraw a XXXX from you account have not been using my card to order any thing lately and I went into the bank to withdraw this month with this technology and online management is becoming a nuisances and a avenue to abuse and charge customers erroroansly. I dont want to thing my bank or the products I use are scamming my account had to replace my card recently because of uber charges adjusting to the account at XXXX XXXX. Please same thing happen to my XXXX money card I feel like I am being discriminated against.

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 2018-07-26
Company: Experian Information Solutions Inc.
State: IN
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:
In my credit report is a hard inquiry I did not recognize as authorized.

In result, my credit score dropped down.

I received a copy of my Experian credit report on XX/XX/2018. The credit report showed a credit inquiry by XXXX  on XX/XX/2018.

I talked to customer service and credit card specialist 2 times and after verification, they assured me ( no case number ), the inquiry will be removed up to a month. But they didnt. Then I sent a letter to the corporate office and received a response on XX/XX/2018, confirming they will contact Experian to fix this error. Their credit card specialist did nothing again and they dont introduce themselves.

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 2023-07-24
Company: EQUIFAX, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My daughter died. I contacted EQUIFAX to place a deceased notice on her file. I sent hard copies by mail of the death certificate, my appointment as administrator from the probate court, a copy of my driver 's license, my address, her social security number - everything EQUIFAX requested. I received a letter from them indicating they needed a death certificate- which I had already sent. I called again and was told the death certificate was uploaded by their mail room as a blank page. I sent another death certificate. I received another letter that they needed a death certificate. I called again. Keep in mind, when one deals with the company via phone especially, the call center is in XXXX. I spent at least 40 minutes on hold before I got a supervisor. This time they wanted my social security number, too. I refused and asked for a supervisor. I refused because I had already sent a copy of my driver 's license for verification. Finally, I was connected to someone in the XXXX who easily found all the information was in place after all. She placed a deceased notice on my daughter 's file and initiated a credit report on her. I do not understand why it took from XX/XX/2023, XX/XX/XXXX to finalize this issue. The American agent was professional and competent, handling the issue quickly. So, the problem has been addressed - finally- but it is important to lodge this complaint because the XXXXXXXX  of their call center goes beyond the acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Innovis
State: NY
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:
I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! XXXX XXXX  went into my report on XX/XX/17 again on XX/XX/17, XXXX   XXXX XXXX XX/XX/17 again XX/XX/17. CBC Innovis XX/XX/17 again on XX/XX/17. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score, which is a lie. CBC Innovis gave me three fico scores in XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX. I received these scores over the phone from CBC. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, XXXX  XXXX had this abuse not happened I would be well into the mid XXXX 's, since I have no derogatory marks against my credit or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account with Truist, previously SunTrust XXXX XXXX XXXX. Since truist took control of whenever I deposit a check they would hold my checks, every single check and then continuously charge we overdraft fees when a transaction comes in. By the time the hold is released 60 % of my deposited funds are being eaten up in overdraft fees. I'm tired of complaining to them, and they say that they will fix the problem and refund the overdraft fees but they never do and it keeps happening. I never had an issue with SunTrust, back in XXXX of 2022 they even closed my account without informing me, and held my funds for weeks.

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 2022-02-08
Company: EQUIFAX, INC.
State: NY
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 reported on XX/XX/XXXX. 2022 on Equifax that XXXX misses payments. XXXX is a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX VALIDATION OF PROOF AND SUPPLY FOR BANKRUPTCY TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX XXXX FREEZE OF REPORT ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX XXXX LETTER TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX FRCA VIOLATION TO ALL THREE CRA 'S ( proof of exact letter sent and certified mail dates will be attached ) XX/XX/XXXX WARNING TO FILE CFPB COMPLAINT ( proof of exact letter sent and certified mail dates will be attached ) The above listed are the dates in when certified letters were sent out to validate how the credit reporting agencies obtain public record information. In doing so they have reopened accounts that were already included in the bankruptcy. 

Proof of what each letter stated will be provided for the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: CT
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. The Listed Account below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681 US DEPT OF EDXXXX XXXX Account Number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation