BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Military Star Card XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a charge off on my account in the amount of a XXXX balance that never was a charge off. It never went to any collections. I am requesting that the charge be removed, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

Please investigate this matter and correct the reporting error as soon as possible. 

This was account was satisfied before and collect action to include any form delinquency issues this account did not default nor surpass the 210 day threshold, You can not charge off and account that has already been satisfied and closed as requested and its demanded you remove the erroneous charge-off on my credit report because legally you are obligated to do so. This situation does not fall under the 7 year disclosure because it never went to any form of collection bureau because its proven and represented that you were getting paid on a monthly basis this account was closed in good faith. At this point any further negligence from your company will be submitted up further for military further review. Disrespect like this with victimizing our well decorated veterans is not only disrespectful but will not be tolerated it discredits our military that funds this company and already at the desk of the military committee.

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 2020-06-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX keeps making threatening, repetitive calls with abusive, profane language. Swearing to sue me, destroy my credit and have me thrown in jail, because of the credit card amount I owe 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 2020-10-11
Company: R & B Corporation of Virginia
State: SC
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:
Looking through my report and noticed there are some accounts that don't belong to me. This is an act of fraud and the following accounts need to be removed from my credit report. 
XXXX/XXXX  # XXXX CREDIT CONTROL CORP # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown findings on my credit report. 30 days have elapse since sending my letters to the Bureaus and to my surprise I still have not received an update on status of investigation. Although I am not an expert on the subject matter, I do know that Section 611 ( a ) of the FCRA states that failure to investigate these items within 30 days gives reason for immediate removal of disputed items. I am now DEMANDING these accounts be removed and the Bureaus be held to their fiduciary duty. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong individual. 



Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
lexis nexis reported to the three credit agencies that i had a bankruptcy in my name. i disputed this and they say its verified, but i go to the supposed court house that its with and they say two things. 1 they do not provide information to any third parties, 2. my name and social security and date of birth do not match any of their records. so how can they possibly be getting my information from the courts. they must maintain information through the original company for full socials and date of births.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
- I opened a Citi checking and saving account in response to a promotion.

- I learned that the accounts were not right for me ( poor service, long call center hold times, high fees, and non-competitive interest rates ).

- On XX/XX/18, my account balance was {$0.00}. I spoke to an agent at XXXX central time ( extension ID XXXX ) and requested my accounts be closed.

- The agent would not provide any form of a confirmation number.

- I received a letter dated XX/XX/18 from Citi indicating I am in collections for an account that should have been closed on XX/XX/18.

- After receiving the letter, I contacted Citi again requesting my account be closed and the agent said they would take care of it.

- Today ( XX/XX/XXXX ) I have started receiving collections calls.

When speaking with to the collections department and customer service, they were unable to offer any 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
Consumer complaint received 2021-07-21
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
During XXXX the covid 19 could not make a payment because everything was shout down they charged me late payment and i would like it to be remove and up date my account the dont send me no bill of my account what was paid it supoose to be paid out in full i made my last payment in XX/XX/XXXX of XXXX they did not put nonting on my account of being paid out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Collection Consultants of California
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 have tried several attempts in writing and verbally to alert Collection Consultants that they have sent me someone else medical information ; diagnosis, record number, etc and not the account they claim I owe for. I have alerted XXXX XXXX of this as well because this is a violation of privacy and HIPPA regulations. Each time I dispute this account XXXX  allows them to place meets FCRA requirements which is false and fraudulent. FCRA requires credit reporting to report accurate information. I have in my possession a completely different medical file that they are claiming I owe for. They have updated my credit profile to reflect they can not locate consumer. I do not understand how not only XXXX has received this information and neglected to research this and allow this to stay on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: HYUNDAI CAPITAL AMERICA
State: UT
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:
Hyunday Capital America is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I applied to have my student loans discharged due to the fact that I am XXXX percent XXXX veteran XXXX acting on Behalf of the DOE sent me a letter dated XXXX XX/XX/XXXX acknowledging receipt of my application along with the list of student loans that I had that were eligible for discharge. 

On XX/XX/XXXX I received a letter from XXXX which stated that all of my loans were discharged listing the the same loans that were in the letter dated XXXX XX/XX/XXXX On XX/XX/XXXX I received a letter from NAVIENT which stated that my loans were discharged. However the list of loans in the letter were different to the list of Loans That XXXX had advised me were XXXX. I contacted Navient on XX/XX/XXXX about the discrepancy. Navient informed me in writing that : The XXXX loans I had on file reflecting in an ln-School Deferment is currently being processed, and awaiting discharge from the Guarantor of the loan. 
On XXXX XXXX I contacted NAVIENT to find out about the status of the loans that were showing in school deferment that should have been discharged. They responded that : As of today 's date which was XXXX XX/XX/XXXX we have not received the funds from the Department of Education to pay in full your Federal Consolidation Loans XXXX and XXXX, due to yourTotal and Permanent XXXX Claim. I contacted XXXX on XXXX XX/XX/XXXX and notified them what I was told by NAVIENT. XXXX Responded on XXXX XX/XX/XXXX, stating : The Total and Permanent XXXX Servicer only handles processing the application. Once it is approved, your loan holder is responsible for discharging the Federal Student Loans, reporting to the credit bureaus, and issuing any eligible refunds for paymentsmade on or after XX/XX/XXXX. 
For specific questions regarding the discharge, please contact your loan holder, Navient XXXX. XXXX. I am getting pushed around by NAVIENT and these loans are on my credit report is affecting my credit to income ratio due and credit score due to the fact I am trying to refinance my VA XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
AS OF XXXX XXXX HAS FAILED TO DELETE THE 5 INQUIRES ON MY CONSUMER REPORT AS WELL AS TO UPDATE THE ACCOUNTS WITH AMERICAN EXPRESS REPORTING ACCURATLEY IT WOULD STATE THE THE PAYMENTS WHERE MADE AND CURRENT AS IT DOES WITH XXXX. ALSO XXXX I HAVE SUBMITTED THE DOCUMENTS PERTAINING TO THE DEFERMENT AND I HAVE NOT SEEN AND UPDATE IN THE CREDIT REPORTING AT ALL ITS SHOULD STATE THAT I WAS NEVER LATE AND CURRENT I AM CURRENTLY IN DEFERMENT AND WAS AT THE TIME OF THE ACCOUNT BEING REPORTED LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I refinanced my mortgage for a lower rate and to consolidate debt. I paid off several credit cards. No problems there except one company said they did not receive the check. Comenity Bank aka XXXX. 

On XX/XX/XXXX, said payoff check was still not received by Comenity. On XX/XX/XXXX, a stop payment was placed and new check was issued. Comenity was advised. It was overnighted ( on a friday ) and received and signed for by Comenity on XX/XX/XXXX. 

On XX/XX/XXXX I received notice that Comenity received the check, paid off my credit card, and sent me a refund of {$20.00} because it was overpaid. 

On XX/XX/XXXX, I receive notice that the check was returned for a stop payment. 

What happened, was they applied the check that was stopped, which they were informed of, and added Interest, return check and past due fees now to my account. 

I have proof from XXXX and a tracking number that they received and signed for the new check. They ( comenity ) are telling me they never received it.

So i had to call yet again ... ( this is now XX/XX/XXXX ) ... .and they are sending me dispute papers ... but there is nothing to dispute ... they received the replacement check and lost yet and I am being crucified because of their ineptness .... They said there is nothing they can do to help me. 

So i am paying on my mortgage for the XXXX dollars that was mailed to them and signed for and they lost it .... and its still on my credit card balance. 

When i asked how to rectify now ... .. I was told ... .This is how we do things here. 

They wont even help anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TRANSFER BY AMEX SAVINGS ACC TO XXXX XXXX XXXX XXXX  ON XXXX WAS NOT RECEIVED IN THE AMOUNT OF {$300.00}!! - AMEX TRACE NR XXXX!! SEE ATTACHMENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report today and realized I had a collection from Eastern Account System that I was unaware of. My credit dropped from a perfect XXXX to XXXX because of this. I never received a letter or collection from Eastern Account System. 

The report says this was reported to credit bureau XX/XX/21.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX reposesed my car in XXXX/XX/XX/2015. They have in the credit bureau a date of last payment on XX/XX/2015. They also have a closed date of XX/XX/2015. The account was NOT closed the same date of last payment. Also, XXXX charged off the account less than 180 days after last payment which is ILLEGAl. They continue to try to hurt consumers who no longer want lemon cars. Their account needs to be REMOVED from my credit bureau never to come back.. It has been since XX/XX/2015 since we parted ways and I keep disputing their illegal reporting to the credit bureaus and no one listens. But they keep reporting so It can stay on my report. Please have them remove or the next step will beto take them to small claims court along with the credit bureaus also.

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 2021-05-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home received substantial flood and windstorm damage XX/XX/XXXX, yes I said XXXX. As of today XX/XX/XXXX Select Portfolio Servicing has refused to release all of the insurance funds they are holding despite over sixty pages of repair documentation from contractors, my attorney and myself. I gave up trying to deal with SPS directly and hired an attorney. SPS lied to the attorney several times and still refuses to release MY insurance proceeds. My attorney has had no luck trying to deal with this issue despite calls and emails. SPS is still calling me direct concerning the issue when they are suppose to talk to my attorney not me. They told me today that my issue is being reviewed by management. ( What!! Really!! ) My attorney suggest we may have to go to the next step which would be litigation as the only option. All is want is my insurance funds as I haven't been able to complete the repairs to my home almost four years later due the actions of SPS. I have been clearly damaged by the actions of SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have accounts still under investigation, it has been over 30 days and I have not heard anything back from the credit bureaus

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 2023-01-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reason to believe that Equifax and YES XXXX XXXX XXXX XXXX  have violated my rights as a consumer and incorrect information as far as addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2016 I recieved an unlawful detainer it was for a no money judgement it was only for posession of the property. That being said the property was recieved on XX/XX/2016. This matter is still showing up on my credit report even though there is no debt amount i have exausted all measures to try and dispute it with the credit beauro and the credit reporting agency i have also reached out for legal help and no one is able to resolve this issue. The legal aid i did reach out to does not understand why it is showing up on my credit report at all seeing as there is no debt amount. This matter is preventing me from getting housing and i am currently homless

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
AS OF XXXX TRANSUNION HAS FAILED TO DELETE THE 5 INQUIRES ON MY CONSUMER REPORT AS WELL AS TO UPDATE THE ACCOUNTS WITH XXXX XXXX REPORTING ACCURATLEY IT WOULD STATE THE THE PAYMENTS WHERE MADE AND CURRENT AS IT DOES WITH XXXX. ALSO XXXX I HAVE SUBMITTED THE DOCUMENTS PERTAINING TO THE DEFERMENT AND I HAVE NOT SEEN AND UPDATE IN THE CREDIT REPORTING AT ALL ITS SHOULD STATE THAT I WAS NEVER LATE AND CURRENT I AM CURRENTLY IN DEFERMENT AND WAS AT THE TIME OF THE ACCOUNT BEING REPORTED LATE.

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 2018-02-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There's 6 unknown addresses on 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 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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