BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: TX
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 tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, Equifax, and XXXX all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX}, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a single mom, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 2. 15 U.S code 1681n Infamis of pulls XXXX XXXXXXXX Account Number : XXXX 3. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 4. 15 U.S code 1681n Infamis of pulls XXXX XXXX Account Number : XXXX 5. 15 U.S code 1681n Infamis of pulls XXXX XXXX. 
Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This XXXX debt was issue incorrectly as a results of extreme mess in the paper work in the office internal XXXX information, and added as an extra service wich one has been not provided for me because luck of XXXX. Is not true because I have XXXX PLUS XXXX + XXXX and this service never change since I 'm on XXXX. 
They overcharge me XXXX wanted to XXXX me off, but I always had insurance and I will NOT  pay this XXXX amount. 
I already also contact XXXX regarding that incident back from XXXX. I also never has been threated in XXXX - XXXX XXXX XXXX and I never go there after this incident. 
Please make investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Threatened and called my family members, threatened arrest/warrant, threatened to call my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: MA
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:
Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX XXXX XXXX is reporting the account [ account # : XXXX ] with an inaccurate late payment. Delete this account Because Experian is reporting XX/XX/2020 as 30 days late, XXXX and XXXX are reporting as paid on time. This is a violation of XXXX XXXX standards as Experian claims to have already investigated the accuracy of this account. Delete for violation of section 623

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: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There was fraudulent activities on my account with small amounts of money being taken from my account that later turned into large amounts ( $ XXXX- {$20.00} turned into $ XXXX- {$500.00} ). I called their dispute line to bring it to their attention and they did absolutely nothing about it. Then, on XX/XX/XXXX of XX/XX/2020, Chime Bank closed my account without any direct or clear reason. I tried to get in contact with them through their support email and Chime ignored several of my attempts so I then proceeded to contact the attorney general office and file a claim. They continued to ignore me until I brought to their attention that I was opening a case with the attorney general. Then they proceeded to tell me that it would take 30 days not including a 14 day processing period to receive my funds. Ive yet to receive this check in the mail that they had promised me. This was the main bank I was using to get my direct deposits from work deposited into. I had a loan that was deposited into that account for over {$6000.00}. My rent ended up being late because they rejected my automatic withdrawal. Im behind on credit card bills, loan payments and wasnt able to renew my lease with my apartments due to this inconvenience. Im currently XXXX and living with a friend. This has given me XXXX and XXXX out of this world. Im at my wits end with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Atlanticus Services Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a charge on my Fortiva card for XXXX that I did not authorize from XXXX XXXX XXXX. The gentleman advised the charge was made XX/XX/XXXX of this year. I advised him I have not used that card since late last year. He advised me they would investigate and it would take 90 days and then they would let me know. I asked him can't he simply call the store to verify the charge is fraud. He said no they can not do that. My issue with this is I did not look at the statement I would've paid the charge. How many elderly customers is this happening to? I can't believe with big companies that they can not do better tracking than this. It doesn't even advise what I am being billed for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are a couple of accounts on my credit report that I do not recognize. I also have a bunch of inquiries that I did not authorize. There are 2 addresses I have never lived at. Please remove them immediately.

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 2017-10-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have two major issues : 1. Despite numerous attempts to consolidate all my loans under one company, I have been unable to do so. 

I have {$270000.00XXXX under Navient ; and three separate loans for {$24000.00} under Nelnet and one for {$3400.00} under Debt Collection.  The reason I did not originally include these other loans under Navient initially is that I was advised by a Navient customer service representative that these loans would not qualify for an Income-Driven Payment Plan request once the consolidation was completed. I was later told by a separate customer service representative that this was not correct information. At any rate, I am unable to modify the consolidation to included these items and the separate payments I am being requested to pay is going to be very XXXX over time. 

2. Navient 's determination that I am able to make 9 payments of {$1500.00}, 124 payment of {$2700.00} and 9 payment of {$1700.00} from XXXX until XXXX is incredibly unrealistic and will lead me to bankruptcy. 

Despite numerous attempts to select a reasonable monthly payment of approximately XXXX XXXX monthly given my income and financial obligation -- the payment schedule they send me does not truly take into account my REAL discretionary income. Their definition for discretionary income is income which exceed 150 % of the poverty guidelines. In XXXX the poverty level for a family of three is {$37000.00}. If you multiply this number by 150 % they are saying that I have approximately {$58000.00} in discretionary income given that my gross salary is {$100000.00} annually or {$4800.00} per month. So totally, not the case.
My net pay per month is {$4700.00}.
My monthly expenses are approximately {$4100.0XXXX. See below : XXXX XXXX {$2400.00} XXXX XXXX {$70.00} XXXX {$280.00}  XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX {$280.00} XXXX {$160.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX 1 {$100.00} HXXXX XXXX XXXX 2 {$25.00} Total XXXX These two items are taken from my gross income XXXX XXXX XXXX$410.00} XXXX XXXX {$73000.00} Total {$5200.00} Please keep in mind that food, gas, car maintenance, etc. are not even included. 

I NEED HELP!!!!! No one at Navient is listening or seems to care. I do not want to file for XXXX but may be headed down that path if I can not get the REPAYE payment plan of {$620.00} per month which was offered when I completed the electronic Income-Driven Payment Plan request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
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: Account status incorrect

Complaint:
XXXX XXXX in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into XXXX XXXX was recorded would like to go back and hear that conversation. 

XXXX XXXX also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX 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 2017-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into Capital one was recorded would like to go back and hear that conversation. 

Capital one also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX Capital One!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: MA
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:
Hi XXXX XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2022-03-30
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This complain is in regard to XXXX XXXX through TD Retail Card. 
On XX/XX/2019 i Trade-In my old XXXX phone for a new XXXX XXXX XXXX. I bought it for {$590.00}. 
On XX/XX/2019 i received another offer to Trade-In my phone for XXXX XXXX  XXXX. 
I Trade-In my phone with transaction ID ( XXXX ) successfully. 
The price of XXXX XXXX  XXXX at a time was {$940.00}. In the offer that I received through XXXX web site that luckily i did get a print out because later they deleted such information from my page at XXXX web site indicated that upon successful Trade-In eligibility i would receive a sum of {$800.00} discount toward this Trade-In. 

On ( XX/XX/2019 ) my balance on my phone was {$390.00} The Payment summary indicated that i have to pay {$580.00} for XXXX  XXXX after Trade-In, which means i had to pay {$180.00} on top of my balance and i accepted the offer. 

However, next billing statement i saw that not only i had to pay {$390.00} but also I had to pay {$580.00} or total of {$970.00} which was more than New XXXX  XXXX. They did throw in a promotion for online music services that anybody could get without any purchase for 3 months any way. The only thing that had monetary value was the ear buds that they included as a bundle. 

I have called XXXX support team several time and my written dispute was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
My wife and I each have an XXXX XXXX XXXX XXXX XXXX  credit card issued by Barclays Bank Delaware [ under two ( 2 ) separate accounts. ] We have instructed them on several occasions to desist sending us so-called convenience checks, for which we have no use whatsoever. For a while, no checks, then later they start reappearing again. We are concerned about the possible theft of these checks and their fraudulent use. How many times should we be compelled to waste our time calling them only to be connected to a call center where the representatives -- halfway around the world -- barely can speak intelligible English?

At a time when the President of the United States has cautioned us to beware of all kinds of potential scams and security thefts is it possible for you to issue an order inquiring credit card issuers not to send out convenience checks unless opted-in by their customers? And establish a stiff fine for failing to comply with an opt-out request.

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