BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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 was charged a {$37.00} late fee on my Cabela 's  account that has a balance of {$150.00}. In addition to it being an usurious fee ( 23 % ) I have been working with a collection agency on this account, to which it was forwarded after non-payment over one year ago. The collection agency, XXXX XXXX, set me up for recurring payments. I agreed to make two ( 2 ) payments on the remaining balance, which was around {$160.00}, at the end of XX/XX/XXXX. The first payment was deducted on XX/XX/XXXX for {$80.00} and a second payment was set for mid XX/XX/XXXX. Today I received a bill from Cabela 's with a new  balance of {$110.00} which has been adjusted to include a late fee ( which the collection agency should have reversed because we agreed on a payment date ) and an interest charge of {$2.00} ( interest that should have been stopped when I entered repayment with the collection agency over one year ago ). 
In sum, I am realizing that I am basically paying off late fees that accrued because the collection agency did not adjust my payment due date and interest that XXXX XXXX staff led me to believe would be arrested due to the closure of my Cabela 's account and agreement to work with their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted XXXX, Transunion and XXXX to notify them they are in violation for not entering a notice of dispute for this account that I disputed in XX/XX/2021 and XX/XX/2021. They had plenty of time and failed to enter a notice of dispute within the timeframe allotted by the FCRA. As usual, XXXX ignored me and continues to report this account as if they are not in violation. I also wrote XXXX directly with no response. Creditors and credit bureaus can not continue to violate and have no penalty or consequence for their complete negligence for consumer laws.

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 2021-02-17
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the 500s. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced sexism from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over 700, mine never made it past low 600s. I know the industry is XXXX because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their XXXX and sexist practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: U.S. BANCORP
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Based on my credit report there was a credit card account opened using my personal information on XX/XX/XXXX. After reviewing my credit report in XX/XX/XXXX I contacted US Bank. I informed them that the account was not mine. They then created a case and mailed me an affidavit and police report form. I went to the proper measures to get the forms filled out and mailed them back to US Bank. I contacted US Bank again on XX/XX/XXXX and they informed me that they never received the forms however I know that is untrue because I sent it via certified mail. I have disputed the account with the 3 credit bureaus multiple times since XX/XX/XXXXas well as written letters asking for verification. US Bank never responds and when I call them they provide me the same information about sending them a police report, in which I have did previously. US Bank has not been willing to work with me and they appear to be unconcerned about with helping me with the fraudulent account.

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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX XXXX XXXX and  Transunion but they refuse not to

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 2021-02-17
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:
THESE ACCOUNTS DO NOT BELONG TO ME SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-01-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax indicated that my personal information was comprised in their breach. Therefore, I attempted to sign up for free 12 month credit monitoring service. 

I completed all the required steps to register for the credit monitoring and received a confirmation email from Trusted ID. Clicking on the link in the email, I was then redirected to theTrusted ID Premier website, I enter my DOB as requested but the same message captioned below always appears ... 

" SYSTEM UNAVAILABLE We are unable to process your request at this time. Please try again soon. '' The deadline to register for the free credit monitoring is XX/XX/18 less than two weeks from today. I have attempted to complete this registration online since last XX/XX/XXXX. 
Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This mortgage was bought from my original mortgage company XXXX for the amount of {$250.00}, XXXX on XX/XX/XXXX. As a government employee I qualified for settlement monies that are free after 5 years and has nothing to do with US Banks mortgage or their balance. US Bank is trying to count monies that they having nothing to do with to give the dishonest impression I owe them more on my mortgage than the {$240000.00} reflected on my mortgage statement. That is dishonest because if I move before the 2 years is up I would need to pay the money back to the State of Maryland and not US Bank as they are implying on the credit report. I only financed a mortgage for {$250000.00} on XX/XX/XXXX. They are giving the incorrect impression that I have only paid leas than XXXX toward the principle of their mortgage since XX/XX/XXXX which is being dishonest. I request they report the mortgage balance owed to US Bank only and to correct the balance to all XXXX reporting agencies.

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 2021-02-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
probably the most disorganized mortgage company i have worked with ever. I make a payment and it just sits there as unapplied funds. If i dont call in to speak to one of their account reps it will just sit there, potentially ruin my credit although i made the payment. So that happened this month and i have been trying to call all day and their phones are down. This has happened at minimum 10 times.

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 2018-01-18
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
customer service would not help and take care of the negative inquiries i dont recognize reporting to my credit report. 


XXXX inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX DE XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX DE 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 2018-01-18
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called Citibank on XXXX/XXXX/2018 to inquire about two outgoing wire transfers that were n't received by a secondary party. The customer service rep told me that Citibank had canceled the transfers and closed my account with no ability to dispute the closure. A few days prior, I had two outgoing wires on hold, and I had to call and confirm them. They asked if I 'd be making more wires in the future, to which I replied yes. The two outgoing wire transfers that were canceled totaled {$19000.00}. The checking account had approximately {$22000.00} in it. According to Citibank, it could take up to 30 days to receive my money, which I need to pay mortgages and other expenses.

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 2021-12-08
Company: EQUIFAX, INC.
State: MS
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 XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: NC
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I repeatedly receive robocalls leaving a message from NCB Management Services, XXXX, attempting to collect a debt for XXXX XXXX XXXX ( sic ). I have no idea who this person is and have owned this phone number for over a decade. I have talked with several representatives of the company and each time they say they will remove my phone number but I receive a call the next day. Not only is this an erroneous number but I believe they are violating the Fair Debt Collections Act in several ways. They are leaving a voice message that says they are a debt collector attempting to collect. My understanding is that is illegal as others could hear the information. Further if you listen to the message hoping to get a person to remove you, it states that by continuing to listen you affirm that you are XXXX XXXX XXXX. I believe that is also a violation. I have made multiple attempts to the company to stop this continued harassment with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I do not recognize any of these companies and have not applied for credit at any of them!

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 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 2022-08-10
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:
back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: VA
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 have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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 have been battling with Equifax for roughly XXXX calendar days about inquiries that I have no knowledge of thats showing up on my credit report. I have emailed several high ranking officials of Equifax countless times, I have called tons of times, and I even sent in letters in which none was received allegedly every time. This is becoming very tiring and starting to be daily slap in the face as I try to use all avenues to force this company to do their job and remove these inaccurate items. I have a total of 10 inquiries that I would like to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts all from Commonwealth Financial, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for the Commonwealth Financial Accounts furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. 

I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The school attended was University XXXX XXXX XXXX campus ( online ) and I was not given the option to obtain a federal loan. The University XXXX XXXX XXXX campus only offered XXXX XXXX ( Navient ) loans and I was under the belief that in order to obtain a XXXX  degree that I would have to take out a loan from XXXX XXXX ( Navient ). There was no other option outside of not going to school. I am questioning whether XXXX XXXX ( Navient ) and University XXXX XXXX have a business relationship in which students are strong armed into applying for a XXXX XXXX loan ( Navient ) because there are no other options. 

My second issue is the high interest rate that XXXX XXXX charges ; my payments are directed to my interest and not my balance so at that rate I will never remotely pay off my student loans. I will also question XXXX XXXX ( Navient ) payment policy. I have contacted Navient in order to try to work out a settlement or a way to relieve the burden and they are unwilling to assist me in anyway. That is why I am not filing a complaint.

Company response to consumer: Closed with explanation