BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient has reported incorrect information on my credit report. I have several monitoring companies alerting me about my credit report. Navient has reported duplicate accounts on my reports for the same account. Navient needs to correct or delete the duplicate accounts that they have been reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Depot has been giving me the run around on an application for a mortgage and the seller is about out of time. I can't go to another lender due to the excessive amounts of credit pulls they have done. This has left my credit damaged with no choices to go elsewhere. I have talked to managers and none care or arr willing to do anything. Im currently homeless because of this and have included a copy of a form the lender sent that lists the excessive amounts of pulls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In response to a TV ad I logged into a website on XX/XX/2019, and ordered a free sample of wrinkle cream. The stated cost was {$6.00} for shipping and handling. I was sent a package containing moisturizing cream and eye serum. I did not request eye serum. No invoice or price was included in the package. Without prior notification, on XX/XX/2019, a charge was made to my credit card of {$88.00} for the cream and {$89.00} for eye serum. The merchant did not communicate with me in any way, but sent another package which was refused at the post office. I notified my credit card company of the unauthorized charge, and they obtained a payment cancellation on XX/XX/2019. Another charge was submitted on XX/XX/2019 from the same merchant. Payment to the merchant was withheld at that time. The " free '' sample was returned, post paid. 

However, in XXXX and XXXX, the credit card company determined, based on documents provided by the merchant, in favor of the merchant in the amount of {$350.00}, even though I submitted my case and cited violation of 16 CFR part 251 and 16 CFR part 245.1 ( 2 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told that the debt belonged to me and the only way to get it off of my credit was to pay it. It was only {$67.00} so I did. They wrote it as paid and never removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted Discover in regards to a " XXXX XXXX '' program, involving the freezing of charging privileges on the account, combined with a lowering of the interest rate to 9.99 %, and automatic payments of {$14.00} per month, paid on the XXXX of the month for a period of XXXX months, or until I was under the credit limit, at which point I was free to be removed from the program upon request and verification. 

Upon requesting removal from the program, I was told ( falsely ) that this was not possible. The argument became quite heated, and it came to the point where I 'd said that we either need to find some remedy, or close the account, and that I would wait for the debt to age out. I eventually began using profanity, and she told me she would terminate the call. I told her to " go XXXX herself '' and she hung up. 

Upon calling back to speak to another representative, I received a notification that an email was received from XXXX. The email said my account had been closed. 

This happened without a proper request for authorization on my part. Me being angry does not constitute a verbal contact, as there is no agreement portion involved, and because of that, it 's also not enforcable, because it 's unlawful. 

I 'm seeking the maximum damages, as this resulted in my losing access to the money that I put into the card before my request ( {$260.00} ). Also, it damaged my credit report because this was a closure of my oldest account. 

They refused to provide a copy of the internal complaint I submitted for " security reasons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: AFNI INC.
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: Old information reappears or never goes away

Complaint:
I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on credit karma it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with Afni for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: American Student Assistance
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: Old information reappears or never goes away

Complaint:
Account was paid in full on XX/XX/2019 and still showing on my credit report with an amount. The accounts are showing up twice on my credit report. Also, my income taxes was taken twice by this company. Second time I call and had to wait for them to send my check back to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2017-10-06
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:
Equifax breach. And exposure to personal information, in which can be used for all three credit branches. Exposure to theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Security Credit Services, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection company is trying to collect a old debt that is passed its statute of limitations time period. It was already disputed and taken off my credit file which I believe was XXXX. Which I believe makes the debt fraudulent if further pursued. Collection agency threatened if debt is not paid it will result on my credit file again which was already disputed and taken off my file about XXXX months ago roughly. The debt dates are also inaccurate stated the debt was XXXX/XXXX/2018, Realistically the debt dates are inaccurate and passed the 7 year statute of limitations, debt amount is : {$310.00} XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ID XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i try to dispute this trough equifax severals times, specially my last dispute on XXXX XXXX was ignore, XXXX XXXX was ignore as well ( i even send the other party a letter on XXXX XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since XXXX and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I have written to TrasUnion on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a " frivolous '' letter, sent a " working with a credit repair company '' letter, or continues to state that they have verified the debt. Let this be a formal complaint against TransUnion. 

The following accounts are the items the credit bureau has refused to investigate : XXXX XXXX # XXXX XXXX XXXX # XXXX Please note, I have enclosed copies of letters sent to XXXX via certified mail and confirmation of receipt by the credit bureau . Remove these erroneous items immediately. 

Sincerely, 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 2020-04-24
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$230.00} XXXX-XXXX  XXXX {$1400.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX/XXXX   XXXX {$83.00} XXXX  XXXX {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$330.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attempted to write, and made phone call to the company Rent recovery Solutions. The company could not and did not ever verify this debt. Also they did state the signature was signed electronically. Never my signature. But they never removed account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
In response to you CFPB response " We were not able to verify that you were advised that Wells Fargo Dealer Services ( WFDS ) would be waiving the final payment on your loan, nor was there a reason for the payment to be waived '' I was not advised that Wells Fargo would be waiving the final payment, but that option was presented to me by whomever I was speaking with in the Presidents office at that time. What I did not know at that time was that I should have been provided a CASE NUMBER ( none was offered ). 

In the interim, I waited for a response from Wells Fargo for the request to waive the last payment offered to me by the Presidents office employee. 

No response arrived and my wife made me aware that the account was delinquent. 
The final amount was not an issue and I would have paid it IMMEDIATELY had the offer to waive that same payment had not been made to me. It makes NO SENSE to me at all to ruin my credit by shirking my responsibility of paying the last payment after paying EVERY OTHER PAYMENT. 

Due to the incompetence of the Wells Fargo PRESITENTS OFFICE staff, this situation has been created this absurd round of communication by myself and my wife and is usurping a great deal of my time to try to get Wells Fargo to take responsibility for the situation that they created. 

I dont need Wells Fargo to admit that they made an error ; I dont need Wells Fargo to admit that they have incomplete notes and are not able to verify that their employee made an offer to waive the last payment, I do need Wells Fargo take responsibility for creating this situation and correct the credit reports delinquency entries.

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 monetary relief
Consumer complaint received 2020-04-24
Company: Experian Information Solutions 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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from 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 2017-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A firm called Portfolio Recovery has been calling my home phone number, XXXX XXXX XXXX about debt owed by my deceased and ex wife of 27 years ago , XXXX XXXX XXXX. I have asked them repeatedly to stop calling me and referred them to the executor of XXXX XXXX estate. They continue to call and call our home phone number and insinuate that I am lying about my ex wife martial situation and estate. 

The number they call from is XXXX XXXX XXXX, although this changes from call to call. 

Please report to all that this firm is unreasonable, and will hound you to the point of violation of every ethic that is embodied in the fair credit act and consumer protection laws. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: CITIBANK, N.A.
State: OH
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 customer service

Complaint:
I am complaining because CITIbank is not allowing its credit card holders to view their statements online. Over a two week plus period, I have been clicking on view statements through a pdf or otherwise, and the bank continually notes that its system is temporarily not working. In the meantime they send me all types of emails with special offers, etc. Today, XXXX sent me two emails which said I should click on them to view a statement ; instead I received the same message I have been getting for some time that their system is temporarily down. I do not receive this same type of fraudulent service from other banks. Your agency should contact the bank which is clearly keeping information about interest rates and prior charges from customers. Thank you.

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 2022-08-12
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:
Should Not Reporting On My Credit Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681 ( 5 ) this acoount in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account should not be listed on my credit report I've never did any business with that company i did not authorize this account. List of other companies XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly a charge-off on the XXXX XXXX  partial account number XXXX in the amount of {$130.00}. ( Please see page 2 of the attached credit report. ) This is a secured credit card that had a deposit and therefore there is no outstanding balance due. This incorrect reporting is harming my credit score. Please delete this line item from my credit 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 2019-07-02
Company: EQUIFAX, INC.
State: TX
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 reported to Equifax credit reporting agency that the below listed inquiry was olaced on my report as unauthorized and considered fraud. Equifax has failed to investigate this matter for proper removal of this inquiry. I am a victim of identity theft and therefore, this item needs to be investigated appropriately. 

Inquiry : XXXX XXXX/ XXXX, onXX/XX/2019 is Unauthorized and considered Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a Dispute Letter to the company and according to them they are stating that the account belongs to me without verification of the debt whatsoever. 
In my dispute letter XXXX asked for specific information, of which they have failed to provide to me as per my request. 
I did not sign a contract with this company that binds them to me and me to them. So how can they state that I owe them any money? I DO NOT owe this debt to them as they are stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Capital One received a debt validation letter from me regarding the alleged debt that they are claiming i owe. Any person who attempts to collect a debt falls under the FDCPA ( Fait Debt Collection Practices Act ) Under 15 USC 1692 ( g ) I requested a written notice containing the amount of debt owed, the name of the creditor to whom the debt is owed and a statement that upon the consumers written request within a 30 day period the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. I also requested a ( n ) audit trail according to ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX of the alleged debt that is owed on the account stated in the letter. This is a violation of 15 usc 1601 subchapter ( a ) & subchapter ( b ). Its been 2 months Since this letter was sent ( usps tracking XXXX ) this is also a violation 15 usc 1692e ( 2a ) 1. False representation of the character, amount, or legal status of any debt ; or 2. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Capital Ones failure to correspond is an admission of guilt.

Company response to consumer: Closed with explanation