BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: OH
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient just called me and pretended to be the Department of Education until they knew they had me on the phone, then told me I owe them {$5.00}. They call 30 times a month if youre behind on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Paypal Holdings, Inc
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal is holding {$10.00} XXXX from my account they said that they can not release the money and I can not close the account for 90 days. they started that is they right to hold it and i can not do anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I did join XXXX XXXX from XXXX to see free credit report and spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for Capital One credit card. So 2 Capital One Inquiries on XX/XX/XXXX and XXXX, 2020 are not resulting from my personal action and 1 approved Capital One card beginning with XXXX is not mine also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: ZIONS BANCORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for a refi of an existing mortgage with a conventional loan on XX/XX/2019 with Vectra bank and it has been 90 days, I have received no loan status for the last 30 days. Vectra Bank has ignored my emails. The lending personnel I started with Sonary Im is no longer working on the loan. Her boss XXXX XXXX took over a month ago and he has not responded to my loan status inquiry. Every day I wait, I am losing $ XXXX/week for interests that I could have saved. I paid my appraisal fee {$780.00} in full 3 months ago and now I received no loan status. Forget about how Vectra bank do business in Colorado ( they shouldn't if that is how they treat their customers ), there got to be some regulations on the bank as to how much time they have to provide loan status -approve or not approve than leaving consumers hanging like me.

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 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I began disputing a charge-off that I don't believe to be accurate as well as a collection that is being wrongfully reported. After the bureaus didn't respond to my dispute request, I sent another dispute on XX/XX/XXXX. But again, the bureaus have not responded and it's now been 4 months of this!

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 2022-10-27
Company: Experian Information Solutions Inc.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been working with Transunion to update or delete accounts that have errors on my credit report and Transunion confirmed they did a complete investigation into the accounts and everything is 100 % accurate by law. 

I then pull my annual credit report from Transunion and notice the changes havent occurred. I have attached the accounts in question, I have highlighted the issues and I am submitting this filing for help addressing this big company. 

I have noticed they are manipulating my scores. Please see attached for a detailed picture. 

XXXX XXXX XXXX XXXX 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 2020-05-22
Company: Experian Information Solutions Inc.
State: AL
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 am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( Experian, XXXX  and XXXX  ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these  accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX  ( 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 2018-07-20
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been trying for the past two years to get these loans forgiven because XXXX scammed me. The loan I have has been very unhelpful with me to the point where Ive had to hire a lawyer to help me get some things done. The loan company has also pretend to help me by giving me fake phone numbers and having me call a number that has nothing to do with what I need. 

I also have no degree because of this and can not get a job in my field. XXXX claims and told XXXX  that I graduated but there is no proof. The company that took over XXXX transcripts has no degree for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully suggest that you make investigation because I believe I am a victim of identity theft. I do not know these items ... I will have to refer the matter to my attorney and take immediate legal action. I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I have been a victim of identity theft fraud. I have no idea of any of these inquiries. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I was offered one month deferment. I paid the escrow amount approximately {$570.00} on XX/XX/2020. The deferment was never given as promised nor did I receive anything in writing. On XX/XX/2020, I asked for another forbearance doing Covid-19 and was offered a forbearance. The deferment was never placed on my account. I've called and called and have not received a follow up call. This is not the first time Fay Servicing have been in trouble concerning Consumers. Please investigate and listen to the recorded phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have an account with XXXX XXXX XXXX. During this pandemic I had lost some income due to loss of some work. I called XXXX XXXX XXXX  and was told I can go on a smaller monthly payment and lowered interest rate for 5 months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account 60 days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for 5 months. We weren't even near the 5 months. I made the payment they wanted and requested to please remove that 60 day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from XXXX  and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full 5 months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.

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 2020-12-08
Company: U.S. BANCORP
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 information incorrect

Complaint:
I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.

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 2018-09-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They called me IQ Data International.. on XX/XX/18 I had no idea I had two things in collections..

The guy was screaming at me and using abusive language with me, threatening my credit if I didn't pay the full amount on that day.. he wouldn't even give me options to pay, or give me time to THINK HOW i was going to resolve the issue. 

I felt violated and highly disrespected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2017, I had an unauthorized transaction put on a Citi credit card that I had not been using for a long time ( and so, had not been checking statements as I knew I hadn't used the card -- -the card had {$0.00} balance prior to this transaction ). I only found about this transaction when I checked my Credit score and saw that it had dropped 100 points ( previously was in the 820s, dropped down to 720 or so ). Upon checking my credit reports, there was a 60-day past due mark associated with this account for XX/XX/2017. I contacted Citi -- -who offered to refund the associated late fees and also to help me fix the credit report -- -- because there was an understanding that this all related back to an unauthorized transaction on my account. They said that if I could get the merchant to reverse the charge -- -as proof that it was an unauthorized charge -- -- that they'd refund the late fees and also help me get the credit report fixed.

I got the transaction reversed, and Citi subsequently removed the late fees -- -- but the delinquent mark on my credit report still sat there for months.

Recently, I wrote a credit bureau dispute directly to Citi 's Dispute department and provided all of the necessary detail needed for them to work with the bureaus to fix my credit report. However, their team wrote back to me with a letter stating " our records show that the information on your credit report is correct '' -- -- in spite of the fact that multiple service reps that I talked to agreed that I shouldn't have a delinquent status over an unauthorized transaction that went unnoticed on my part ( again, the card was not being used for months, so it took a while to even see the transaction ).

I am looking for the CFPB 's help to intervene on my behalf with Citi so that they can take the corrective action -- -- which is within their means -- -- to work with the bureaus to get rid of the bad mark on my credit reports.

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 2019-08-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I issued a few disputes in various ways about this already, but didn’t realize the scope of the problem. At first I thought this only was on my Equifax report. Now I realize it’s also my XXXX and XXXX as well!There is an account from a Collections Agency being incorrectly reported an my credit files.The account is from the collection agency, “XXXX  XXXX XXXX”, account #XXXXThis account was paid in full with a XXXX dollar balance, closed settled as of XX/XX/2016. It should not be active on any of my reports. I have submitted various disputed to all three credit bureaus now. Equifax simply responded that the Collections Agency is “not reporting at this time”.I should have no accounts in collections, and further, XXXX is displaying this item as a “Charge Off”, meaning that they say I still owe money for it.XXXX XXXX  XXXX needs to be held responsible for correctly reporting this item as “Closed with a Paid in Full status, as of XXXX), and being sure the credit agencies receive that information.I have a correspondence from them, verifying that the status of closed and paid in full is true and accurate, which I will attach, along with pictures of the Charge Off status from XXXX and the Open status from Equifax. This account still shows as active in collection on XXXX too. All of this needs to be corrected and properly reported by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Did what was requested to register for a Freeze on-line. After completing, received notice it did not go through & asked to call. Should have been able to complete on-line - unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Had a home in another state while in XXXX, took care of it when got XXXX ( sold it ) however XXXX XXXX turned me in as bad credit while in the process of selling! They added charges and what ever he could because they knew it was being paid off!!!! 
On the statements it said I had 6 % interest, when got payoff, said I had 6.875 %? don't know why it changed!!!!!!!!!!

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 2020-09-03
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want to start off by saying I was considering looking for a mortgage. When my lender looked up my information, he thought it was odd that I opened an account in XX/XX/2019 but the " creditor '' reported it delinquent in XXXX of 2019. I thought it was weird as well because how can someone open an account in XXXX but is deemed delinquent in XXXX. So I reached out to the company and the staff was so rude. So I ended up paying the {$220.00} and {$52.00} debt that they said I owed with the intent that they would delete the item on my report which they never did. Once I noticed almost 2 months later I called back and they said they will not remove it but will update the status to " paid in full ''. The representative I spoke with in XXXX said it was my first offense with the company and they would delete it but the second representative was extremely rude about it. Even when I informed her that I moved and never received any notifications or calls. I even emailed the manager that sent me a receipt and still to this day, I haven't received an answer from him. At this point I feel taken advantage of because of the rudeness and lack of compassion from " Firstpoint Resources '' or " Firstpoint Collection Resources ''.

Company response to consumer: Closed with explanation