BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a SECURED credit card account with Navy Federal around XX/XX/XXXX. They took {$500.00} out of my account as security to hold. Around a week later I received my card. Months later I lost my job and was unable to make payments on the card. I did not worry about this because Navy Federal had my security deposit. Shortly after this I started receiving calls that I owed them money that they already had. After many hours on the phone trying to straighten it out I was told the bank didn't know what happened that there was a " technical issue ''. At that time I asked why their technical issue was being reported on my credit reports. If there was a issue on the banks end they shouldn't be asking me to pay AGAIN. I filed a complaint and received a call. This time they partially blamed me. Telling me that the {$500.00} they deducted from my account for the secured card they for some unknown reason put back in my account. This makes no sense as the purpose of a secured card is once again that the bank holds onto the security deposit in case of default. This account has now been reporting negatively for 3 years and in violation of federal law. The bank is knowingly reporting negative information for a problem that they have acknowledged is their fault. I called on XXXX and tried to settle the account because it is stopping me from purchasing a house and was basically told this is not only my problem but even if I do pay it they will not remove the negative history associated with the account by XXXX ( F ) phone number XXXX at extension XXXX. I spoke to her manager Mr. XXXX at extension XXXX and he also refused to help me fix the problem. Now after dealing with this for 3 years and having my finances and life ruined I am seeking legal recourse in accordance with the Fair Credit Reporting Act. There will be no more phone calls or me trying to fix their mistake. The information being reported is not accurate, due to negligence and negatively impacting my reputation causing much mental anguish. I need all of this documented because if there are other people being conned like myself I'm sure there will be another class action lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: AES/PHEAA
State: WA
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:
We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 90 plus days past due on XXXX XXXX XXXX Accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I initiated a dispute regarding incorrect information which was listed on my credit report. It has been well over 30 days and I have not received any response from the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BB&T CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my XXXX account with auto pay and my final payment was XXXX. It did not clear my account. I noticed it when I was reconciling my checking account. I went on line and scheduled it again that day. I notified them and emailed them about the problem. I was told that they refunded the late fee and it was not reported to the Credit reporting agencies. I called them to question it and they said we do not offer goodwill reversals, they said just dispute it. I made may double payments and paid the account off before 42 month no interest terms. It was paid 28 months in full. I was only past due {$4.00} because of advanced payments made and I received no secondary notice or email notification that the draft scheduled on due date did not clear the account. I have never been late or reported to the Bureau. I would also not pay an account off in 28 months early and jeopardize my credit for XXXX bucks. 

I attached a copy of the email showing that when I contacted XXXX that autopay was still on and they canceled it as of XX/XX/XXXX. Yet they did not draft the final payment as they have done since I had the loan. This is out of my control if a companies system does not properly execute their auto-pay feature and draft my checking on the due date. 
I provided the document showing that on XX/XX/XXXX when I caught the error ( no payment drafted ), that they did have autopay still on the account and she canceled it on XX/XX/XXXX. Why was no final payment drafted on this loan? How is this My fault? I paid them every month by auto-pay and they need to review and reverse this 30 day over due payment report. It is there error, not mine.

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

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$3700.00} XXXX XXXX {$9500.00} XXXX   XXXX {$700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$610.00} XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
Honda Financial reported a delinquent account on XX/XX/2020 for the amount of $ XXXX original loan amount was paid in full and this new balance previously disputed. I have requested for Honda financial to record this as disputed in compliance with the FCRA yet they have not. Attached is proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX   XXXX  XXXX {$4000.00} XXXX XXXX {$630.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} DPT EDXXXX XXXX {$4000.00}

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 2019-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I received notification that my credit score had decreased from XXXX to XXXX ( today it went to XXXX ). I was unaware the Capital One opened a credit card in my name and they were reporting that I was delinquent 30 - 60 and now 90 days because I had not paid the annual credit fee of {$59.00} .... not with penalties and late fees it went to {$140.00}. I reported fraud to both Capital One and to the credit reporting companies of this card. Apparently, nearly a year ago there were charges on this card that was reversed because of fraud. I WAS NEVER AWARE OF THIS. 
Ive worked very hard to have an excellent credit score and now in just two months its been ruined ... by no fault of my own. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I setup an XXXX though XXXX XXXX in XX/XX/XXXX and set them up as my registered agent. I paid the due amount in full. At the point was there ever a notification that a yearly recurring charge will be posted for registered agent. At no poont did I request or authorize these charges. Receivel a collection letter this month. 

1 ) no notification of yearly charge of {$170.00} for RA 2 ) price increase without notice - it has ballooned to {$390.00} 3 ) adding charges for additional services not requested or needed. as part of their fee justification- they added a " legal form '' service 4 ) XX/XX/XXXXis no longer my registered agent I CalledXX/XX/XXXX today and after nearly 1 hr run around - was transferred to a " retention specialist '' that offered to settle the manner for XXXX. They state they emailed customer price increase from XXXX to XXXX but I archive all emails and not notification was ever sent. 
Emailed and faxed collection agency disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Financial/XXXX XXXX XXXX I have never made any late payments and paid card off within month of usage. Tonight I reviewed account to ensure no unauthorized charges had been made as I am a part of the XXXX Security Breach.. My account had been closed XXXX balance XXXX credit limit.. 
I called the company for an explanation and was advised an automated system pulled account and I was a possible risk.. 
I am filing this complaint to expose Synchrony Financials of their unfair credit practices. This act has created a drop in score and its punishing me for paying off and keeping credit line in tact.. Now this bank has dicided to close my account for being a good customer?? Im confused.. how can I be a Risk..

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 2021-09-10
Company: EQUIFAX, 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:
I have file 609 disputes with each of the three bureaus asking for debt verification on all collections in the form of writing and certified Mail asking for information on any collections along with two different documents providing my identification I have not received any information all I have received was a email saying the unverified debt was correct information I dont understand how they can investigate without me seeing any information when the law clearly states to report off information in writing if not remove the collections they are not verified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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'M SENDING THIS LETTER TO HELP WITH GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT 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 2019-04-16
Company: Santander Consumer USA Holdings Inc.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello, I have had a loan now for 6 years with XXXX XXXX. Purchased a used XXXX XXXX on XX/XX/XXXX. My credit was not perfect at the time, with an end goal to raise it as quickly as possible as Im a single mom. Numerous times, including today I have tried to resolve an ongoing issue with my balance expected and what Ive paid to this day XX/XX/XXXX. Total cash purchase price was XXXX, with a lease trade in. 
Paying now for 6 years @ $ XXXX/month would bring it to XXXX paid. XXXX XXXX is telling me my pay off is still {$15000.00}. 

Im looking for answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
PayPal froze my account after I transferred money into the PayPal account. PayPal gave no warning and is not responding to messages while making extremely difficult to contact them to free up the funds. They are claiming my account is linked to another but that other account doesnt exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a XXXX XXXX. medical bill I have inform HRRG to stop calling me and collect the XXXX XXXX information I called them today and told him to remove all that information off the credit report and the XXXX XXXX XXXX was going to email him with all that information for the XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: TN
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 is reporting outdated and incorrect information to XXXX & Equifax Credit Bureaus. The date the account opened ( account original date of establishment ), the date account closed ( first date of delinquency ), the terms, and the balance is inaccurate. 
Account became delinquent in XX/XX/2013 without any further transaction activities. I notified listed company in XX/XX/2013 I was no longer a resident of said property were services was being rendered. The company did disconnect services ; however, unknown possessors of service 's address reinstalled utilities illegally. I have no responsibility for the fee balance imposed after notifying company of my departure from the premises. Per FCRA regulation, negative items must be removed, from credit reporting agency records, after seven years of first date of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX continues to report to experian and XXXX incorrect info.they are reporting that I opened an acct with them XXXX of XXXX.i did not have an acct with them.i had an acct with XXXX mortgage. I requested proof of application with XXXX XXXX XXXX they ignore my request and refuse to stop reporting fraudulent information

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 2018-02-12
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  MUST REMOVE ALL SECURITY FREEZES FROM MY CONSUMER REPORTS. IT IS INDIANAS LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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: Information belongs to someone else

Complaint:
I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1.  XXXX XXXX Account # XXXXXXXX ( XXXX {$1000.00} ) 2. XXXX XXXX Account # XXXX ( XXXX {$970.00} ) 3. XXXX XXXX Account # XXXX ( XXXX {$970.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: Regional Processing Services
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Narrative : XXXX on XX/XX/2019 - A woman called out of the blue my former mobile number XXXX and threatened me with a lawsuit for check fraud/ bank fraud at the XXXX XXXX XXXX in Texas. She called from a blocked number where the code on the caller ID appeared as XXXX. She first identified herself as XXXX XXXX and left on voicemail a case file number XXXX. She threatened to track me down at my place of employment and demanded I return her call at XXXX. 

XXXX on XX/XX/XXXX, XXXX XXXX XXXX called to threaten me with lawsuit and to track me down at work. She said I would be found and a lawsuit will be filed at XXXX XXXX XXXX if I dont comply with payment left Case file # XXXX. 

XX/XX/XXXX & XX/XX/2019 family friend XXXX XXXX in XXXX, Ky received calls from XXXX XXXX threatening him with jail time and that XXXX XXXX would be sent to his home and implement himin a case against me. Calls were also left on his voicemail. 

XXXX XXXX XXXX  on XX/XX/XXXX, XXXX Debt payment demand letter received via incoming email : XXXX from Regional Processing Services , LLC . Address XXXX XXXX XXXX XXXX, California XXXX Tel : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX but identities herself on voicemail as XXXX XXXX XXXX XXXX about settlement document sent on XX/XX/XXXX demanding {$1300.00} paid by XX/XX/XXXX. She left phone number XXXX EX XXXX. She called from XXXX. 

Regional Processiong Services, LLC also identified itself over phone as XXXX XXXX XXXX XXXX XXXX. Has refused to validate company contact information such as address and email address, and did not provide a website. XXXX XXXX does not appear on my credit reports. XXXX XXXX has refused to provide original debt verification letter and document verification show right to pursue debt. Refused to provide verifiable information about how my contact information was obtaind. XXXX XXXX failed to notify me that I have the right a verify debt. How to disput debt. Refused to state actual amount owed and proof. XXXX XXXX didnt notify me that I have the right to have the debt sent back to the original creditor for debt verification.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: IL
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 reached out to Experian about someone elses name appearing on my credit along with that persons collection account was told it was a records error call back in 3 days. 2 weeks later no resolution..

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