BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I contacted Wakefield and Associates about a debt collection letter I received. In the letting it states my balances accrues 7 % interest. I informed them that the original creditor did not have interest included into their bill and they told me that it did not matter. It is my understanding that they are not allowed to tack on interest unless it was written into the original contract, meaning they would be taking part in illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: Investigation took more than 30 days

Complaint:
I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Navient Solutions, LLC.
State: VA
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:
Approximately 5 years ago I contacted Sallie Mae in reference to PSLF - public service loan forgiveness. I have worked full time as a government attorney since XX/XX/2009. I was told that there was no way to make my loan eligible for PSLF. This was not correct information. They put me instead into a 20 year loan. I spoke with Navient yesterday and they told me that I was given incorrect information, that a simple consolidation would have made my loan eligible. So basically Sallie Mae / Navient was deceptive in that I could have been half way completed with my student loans, and instead they expect me to start fresh the 10 year standard payments that I've already been paying for nearly 10 years. This was completely deceptive behavior. I've been paying nearly mostly interest payments for 10 years already, all of that time while being a public servant. Instead of assisting me in my request for PSLF, they deceptively told me I would not be eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Two payments of last statement balance were made to credit card via phone in error, one on XX/XX/2023, the other on XX/XX/2023. Statement balance was due XX/XX/2023. Online access is very confusing. Have been unable to find these payments. Payment via phone willingly accepted both payments. Recently called and spoke to an outsourced ( apparently ) representative who did absolutely nothing to help me. She could not provide that payments were made. Citibank credit card bombards you with offers for personal loans and to make purchases.

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 2021-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Capital One has disabled access for authorized third-parties i.e. finance apps for users to access their own data, make payments/pay bills via their API.

This was initially reported to me as a Debitize customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed Ally Financial about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX/mth The second company was XXXX and was late only 3 payments. I was late 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 2023-10-03
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Discover Card opened an account in XXXX, and XXXX both applications were submitted fraudulently and Discover never sent a card nor statement for either account. I did attempt to resolve this with Discover as they show these accounts as charged off discharged in bankruptcy. I did not apply for either account, Discover did not verify my information before opening the account. The address doesnt match my address. The phone number doesnt match my number, the email doesnt match my email. I dont know what the username or password was or is, I never received a single card or statement and I never signed any applications. Yet I had to file bankruptcy because of the identity theft. I have called to deal with this several times and they told me they would open a case yet keep telling XXXX the account is valid. Without providing any proof of such account. Who did they send the card to? Who authorized discover to opened the credit cards? It wasnt me. Discover did not verify my information and I did not benefit from either account or service. These are true application fraud even the employer doesnt match mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2019-11-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up with Suntrust under promo code XXXX. It specifies " Earn {$300.00} when opening a new SunTrust Advantage Checking account. Then, within the first three full months after opening the account, complete at least {$3000.00} in Direct Deposits*, per statement cycle**, for two consecutive cycles. 


Terms Apply. Offer valid for new personal SunTrust Checking clients only. A minimum opening deposit of {$100.00} is required within 14 days, and you must complete the direct deposit requirement as stated in the Terms and Conditions. The reward will be deposited up to 8 weeks after all qualification requirements have been verified. '' I met those conditions. Suntrust says the promo code was not attached to my 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 monetary relief
Consumer complaint received 2021-09-24
Company: EQUIFAX, 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:
On XXXX, Original Creditor : Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Risecredit, LLC
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: Public record information inaccurate

Complaint:
I filed Chapter XXXX bankruptcy in XX/XX/2018. Last week, the company RISE listed late payments on my account. This account was part of my bankruptcy. It needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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 sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. These inaccurate items must immediately removed : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please refer my complaint against Bank of America during last month. Complaint XXXX XXXX. I have explicitly told Bank of America to not call me unless you have a resolution. Bank of America really needs to be trimmed down and become efficient. Somebody from Bank of America called me for this case when i was totally busy. 
Whenever somebody from Bank of America- they waste a lot of time in verification etc ... Bank of America might say that it's part of their job but why not be more efficient and not waste customers ' time, Today at around XXXX, I called Bank of America as I was not able to setup XXXX even after providing new email-ID. It's saying that email-ID exists. Tried call and asked for supervisor..Supervisor disconnected the call - almost 45 minutes got wasted. Tried on teh chat- they were not good enough to resolved on the chat also. 

But suprisingly Bank of America is too easy when it comes for ACH or wire- as they make money in these kind of transfer service. XXXX is too difficult and intentionally Bank of America is making it difficult for the customers.

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 2019-11-05
Company: Innovis
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I HAVE HAD ISSUES WITH FRAUD IN THE PAST AND I WOULD LIKE MY REPORT TO BE BLOCK AND NOT INFORMATION RELEASED WITHOUT MY CONSENT. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CORELOGIC 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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I HAVE HAD ISSUES WITH FRAUD IN THE PAST AND I WOULD LIKE MY REPORT TO BE BLOCK AND NOT INFORMATION RELEASED WITHOUT MY CONSENT. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Rosebud Economic Development Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/22 XXXX XXXX XXXX was NOT authorized to take a credit/debit transaction in the amount of {$200.00}. However they did take out this money from my bank account. 

They are refusing to refund me the money. They are refusing to answer the phone. They are refusing to communicate with me personally. 

They keep replying with automatic replies. 

I am unable to reach a human at XXXX XXXX XXXX. 

I am working with my lawyer to sue 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 2019-11-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit System, located in XXXX, GA has repeatedly falsely claim and reported a debt for the amount of {$2700.00} on my credit report with all the major Credit Reporting Bureaus which has continued to impede on my ability to obtain any credit or attain any measurable jobs. Several attempts has been made approximately a year now to have this company validate the so called debt I owed them per Section 609 of the Fair Debt Collection Practices Act or delete it from my credit profile with deliberate  speed. But they have woefully ignored my humble requests for it's validation. 

National Credit System is hereby advised to delete that erroneous claim off my credit profile with immediate effect. It is causing it is causing me a serious financial crisis in my ability to move forward with my family. 


Sincerely! 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: NY
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:
Consumer reporting Clarity have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. Income can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.

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 2021-06-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have asked Equifax for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXXXXXX XXXX  in the amount of {$840.00} be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX XXXX did not process my payment which was on time. They state I was 60 days late and yet when I contacted them directly, they admitted the account was paid in full and they received my payment. They sent me a letter indicating that there was zero balance and never late. But would not update my credit report indicating that I should use the letter to dispute with Experian.Experian rejected the letter and kicked it back to 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 2023-06-19
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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX

Company response to consumer: Closed with explanation