BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
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'm getting no help at all with this account that was part of my identity theft case. I'm so stressed out trying to fight the credit bureaus and i don't know what else i can do.

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 2021-11-27
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: GA
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 been disputing unauthorized inquiries on my consumer report with your agency for months now. I've sent multiple FTC reports informing the agency that they furnished my consumer report without my consent and that they're reporting unauthorized inquiries. Your agency have also been unable to provide the methods of verification or validation that proves I initiated the following inquiries. I was also stated to your agency that I was a victim of the Equifax data breach and still I was unable to get the proper help with my issues so I have to get the CFPB involved. 

1.XXXX Date of inquiry : XX/XX/2021 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 3. XXXX Date of inquiry : XX/XX/2021 4. XXXX XXXX XXXX Date of inquiry : XX/XX/2021 5. XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 XXXX. XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX XXXX TXXXX Date of inquiry : XX/XX/2021 8. XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXXs hired by the three major credit bureaus Transunion XXXX  and XXXX. My credit profile should mimic all accounts with all three credit bureaus. All my accounts are the same, current and all should be updated. XXXX XXXX continually refused to update both Transunion and XXXX  thus keeping my score at a low status monthly continuously For example Transunion XXXX is update but XXXX  XXXX  is not and its the same account. ARE THE CREDITOR AWARE OF THE FRAUDULENT REPORTING MONTHLY. CREDITORS CREDIT REPORT AGENCIES LIKE XXXX XXXX MUST BE ACCOUNTABLE. This practice appears to be designed to keep my score from improving. It's discriminatory and disparate treatment to update is wrong and frankly illegal and XXXX XXXX must stiop this action and be accountable. My XXXX XXXX  and XXXX XXXX account is the same it should not be treated with a different status because the two companies are different. Both have a positive and current status and should be updated positive. XXXX  XXXX  promting a lie they do not act on good intentions at least for me because this is evert month. This updating one credit bureau and holding back another is unfair. If the same accounts got like XXXX  got 14 points on Transunion then the XXXX  XXXX same account should have 14 points. XXXX XXXX representative every credit bureaus is different and that's why they don't get the same points but it's the same e account. The practice is fraudulently designed to not increase my score because this has been going on for years. As a person of XXXX  this practice will hender and tarnish chances of getting ahead financially because XXXX XXXX is saying my XXXX  or XXXX XXXX on one uses is good but not on the other when both are on the same credit bureaus ie Transunion and XXXX. I THIS IS MY 3RD ATTEMPT WITH XXXX  XXXX  TO CORRECT MY REPORTING. This complaint is the last attempt to remedy this illegal practice. I will seek legal counsel if this is not corrected.

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 2020-11-20
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company is in the business of predatory lending. They also charge misalanious fees that they call late fees or payment fees. It ruins consumers credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: Navient Solutions, LLC.
State: CT
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 am enrolled in an income driven repayment plan with Navient, which requires a yearly verification of income. Every year I timely file my paper work, yet Navient systematically ignores the receipt of the documents allowing the deadline to lapse which results in a capitalization of the interest. After the first occurrence of this in XX/XX/XXXXI would make repeated calls to the Navient after sending my proof of income to ensure that this would not occur. In general it would require 3 to 4 calls insisting that the paper work had been sent in a timely fashion and demanding that the acknowledge receipt of the documents and officially update their records to indicate that they had received it. This was an incredibly frustrating process and it was clear by their actions that Navient have been acting in a bad faith. It was not a one time occurrence, I faced this same scenario every year when attempting to renew my income driven repayment plan. Although this was a nightmare to deal with I thought my persistence had prevented any further unwarranted and erroneous capitalization of interest. However, due to my mistake I did not regularly check on my loan balances and aside from my yearly fight to remain in the income driven repayment plan I did not pay close attention. Recently I checked my loan balance and noticed it was much higher than I recalled and was able to determine they had capitalized interest in XX/XX/XXXX. I know that I had timely filed my paper work as I do every year. I think it is telling that my final payment of the prior year was processed, interest was capitalized and days later my payment was adjusted for my new income. Despite my timely filing of the paperwork Navient allowed the time period to elapse solely so they could capitalize the interest and processed the paper work for the recalculation days later. In my opinion this is an example of the systemic fraud undertaken by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Wells Fargo On XX/XX/2007 repossessed my truck because they claim I had no insurance and they never reached out to me back then and now there not reaching out to my insurance company. My Agent is from my home town and I have know him all my life. He got american family to release the proof without a court order as he remembers others that had this done to them. They added cpi insurance in a fraudulent manner and raised my payment to a point I could not afford after making all but 1 year left of payments. Leaving me without a car and I had just had XXXX XXXX.I supplied them with proof of insurance last week so they really should be able to cut me a check very soon and I dont see the need to drag this out any further. I had the very same insurance the entire time I had the truck and only after they took it 2 days later I dropped the insurance and they also told me they repossessed it on XX/XX/2007 then I called my agent and told him what happened so he advised me to drop the insurance and thats just what I did.I dont understand why they think I should of had insurance through XX/XX/2007 just would have cost me more money. 
I need my money and I also had to file bankruptcy and lost the money I had paid on the truck for years. The truck had 40000. miles on it and it was like brand new. I need a car and it is about time wells fargo gives me a check soican get one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2018 I submitted a certified letter to Experian asking them to provide me with the details involving their verification procedures. On XX/XX/2018 Experian says that they have completed their investigation process and they have found the accounts to be verified. Experian failed to provide me with information on how they how they went about their investigation process in order to verify the 2 XXXX accounts in question.

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 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on my credit report there appears a claim by XXXX XXXX. 

for YEARS i have been sending the information to XXXX XXXX and to TransUnion that the claim by XXXX is a FRAUD. 

the credit card was obtained by the ex-spouse a XXXX XXXX XXXX by forging my information and signature on the application. 

again the proofv of the fraud/forgery was sent to not only XXXX  and TransUnion BUT ALSO TO THE CFPB. 

in fact the CFPB opened a case against XXXX Card 's debt collector for continuing to harass me to collect a debt based on a forgery done by someone else when they had the hard evidence of the forgery. See CFPB case CONSUMER FINANCIAL PROTECTION BUREAU, Plaintiff v. 
XXXX, XXXX XXXX XXXX XXXX, XXXX, to date XXXX XXXX and TransUnion have REFUSED to remove the negative reporting that belongs to someone else - the one who committed the fraud by forging the credit application.

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 2021-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  DELETED THIS BANKRUPTCY FROM MY CREDIT REPORT YEARS AGO BUT XXXX AND EQUIFAX STILL HAVE IT ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I RECENTLY RECEIVED MY CREDIT REPORT, AND I NOTICED THE INFORMATION ON THE REPORT DOESNT BELONG TO ME. PLEASE REMOVE ACCOUNTS AND INQUIRIES AND SEND AN UPDATED COPY OF MY REPORT.

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 2018-06-28
Company: Slovin & Associates Co., LPA
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My name is XXXX XXXX and I am writing a complaint against the law firm of Slovin & Associates of XXXX, Ohio in regards to my student loan account which they purchased. 

I have repeatedly requested a written record of my account details including my remaining balance and the interest rate ( which I was told was 12 % ). 

I spoke with a woman named XXXX on several instances ( the last being XX/XX/2018 ) and was given verbal confirmation that my interest rate on a student loan was at 12 % .I expressed my concern at the absurdly high rate and she informed me that I could submit a letter for review requesting a lower rate. 

After a month had passed with no written letter containing the information I requested, I made another phone call on XX/XX/2018 and was connected to a man named XXXX. 
He told me that he was legally not allowed to send me any information on my account in writing. When I pressed him on this issue, he couldn't back up this statement with any fact and actually started to laugh at me the more questions I began to ask. 

When it comes time to pay this law firm every month ( which I have been ) they have no problem taking the money, but if I request information on the details of my account, they tell me it is illegal for them to do so. How is this legal? How is laughing at someone trying to get information acceptable? 

This is also the law firm that sued me and garnished my bank account of the only 2,200 plus dollars that I had to my name. I had no money to live on for months.

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 2018-05-04
Company: Experian Information Solutions Inc.
State: MA
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:
I was sued by XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: CITIBANK, N.A.
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:
it has to do with the reporting of my XXXX account. 
1 ) company is reporting differently to 3 credit bureaus per attached 2 ) XX/XX/XXXX on my XXXX, XXXX started reporting FP -Failed to Pay. XX/XX/XXXX they decided to change reporting to 120 days past due ; XX/XX/XXXX they went back to FP ( Failed to Pay ) ; XX/XX/XXXX they again reported 120 days past due. 
Since the account started report on XX/XX/XXXX FP I was beyond 120 days late. Therefore 120 days report in XXXX and XXXX of XXXX is incorrect and should be reflect FP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The first time this company reach out to me was via email. The same day they emailed me my mother received a phone calling telling her if she didn't return the call rearguards to me she would then be charged ( a voicemail was left and saved with this message ). I reach out to them told them i paid the debt they said to send proof. I sent the letter i received and used the last time i was contacted about this same debt. I also told them this was now the 3 agency to contact me about this debt and i don't understand why. They told me they believe this was one that was accidentally double sold and after i take care of it it should be the last time. I sent the letter and they emailed me back saying the company i paid is fake, the letter doesn't give proof i paid it and so on. They then have called me numerous times on my cell phone and on my work phone. I told him to cease and desist all calls when he called me work, he then called my cell phone and wanted to argue telling me hes helping me. I told him to send me a letter he said we did an email, i said no mail and do not call me anymore and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Inaccurate employer keeps reappearing on my credit report ( 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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 attach the report with the fraudulent accounts I never open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I saw the advertisement online for a {$350.00} bonus after opening an HSBC Advance checking account and following several requirements : XXXX XXXX XXXX I opened the account on XX/XX/2018, deposited {$10000.00}, and left the money in the account for several months. After the 90-day window after which the bonus should have been given passed, I called HSBC several times. At first, they confirmed that I qualified for the bonus and told me the bonus would be given after 6-8 weeks of processing. After waiting 8 weeks and not receiving the bonus, I called several times again and was eventually told that I actually did not qualify for the bonus as they claimed I had not clicked the correct link when opening the account. However after several phone calls they can not tell me where I had signed up that was apparently the wrong place. 

In summary, I opened a checking account that fulfills all the advertised requirements for a {$350.00} bonus, but HSBC will not give the bonus because they claim I clicked the wrong link.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Miller, Stark, Klein and Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Friday, XX/XX/XXXX at XXXX, I spoke with ( XXXX ). A representative from the collections agency ( Miller Stark Klein and Associates ). XXXX informed me that the reason for his call was because his client ( XXXX ) hire them to collect an outstanding balance that ( XXXX ) claimed it was due for collections for services dating back to " XX/XX/XXXX ''. 

I explained to XXXX, that I can confirm that I did have services with XXXX during XX/XX/XXXX. However services were cancel and there wasn't a balance left on the account. 

If XXXX 's records showed that there was an outstating balance on the account ; why didn't XXXX never contacted me in 12 years. I also explained that I had ( Cable, Telephone, and Internet ) with XXXX XXXX, just last year on ( XX/XX/XXXX ). 

In order for me to have services installed, XXXX did two things ; 1 ) Verified I DID NOT have any outstanding balances with the company for prior services. 2 ) I agreed to have my credit file review, my credit score was XXXX. I had services installed with out the requirement of a deposit. ( Proof attached ) I then went ahead and informed XXXX that as a collections agent, I was sure that he was aware that it was illegal for him or XXXX to attempt to collect on a debt that is 12 years old. I also asked for proof of this debt, he informed me that unfortunately he would have to report the debt. I would also be contacted through a conference call at a later time by XXXX. I also am a XXXX person on Social Security XXXX benefits. 

I'm not sure what to make of this phone call from XXXX. He claims to be employed by Miller Stark and Associates, but its clear that there is a failure for them to abide by the Fair Debt Collection Practices. I also could of been a victim of a phishing scam.

Company response to consumer: Closed with explanation