BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: MS
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:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a XXXX  representative. There is no balance due on my account. You all have reported incorrect information to the credit bureau twice this month. Once on XX/XX/XXXX and XX/XX/XXXX. My XXXX XXXX has dropped XXXX points. I have spoken to an attorney including the attorneys that sued XXXX and won. I will pursue legal action against XXXX. You all have caused me great pain and suffering because my credit score dropped XXXX points in 8 days due to your negligence. I have emailed, faxed, and mailed letters to you all. I have proof that I have been working on my credit I have even paid several items off and you all intentionally reported incorrect information. I was also informed you all report at the end of each month, but this was reported on the XXXX and the XXXX of XXXX. Please fix this as soon as possible or I will move forward with the attorney recommendations. I have included proof of the points dropped and the dates you all reported this. On XX/XX/XXXX XXXX reported another change. this time the balance decreased by {$2300.00} and my credit score was increased by XXXX points. XXXX has continued to cover up there errors by sending me an inaccurate letter. If what XXXX is stating to be true why did the report another change on XX/XX/XXXX? XXXX has reported to the Credit bureaus three times in one month. XXXX is trying to cover up their mistakes. I want this situation fix. I am prepared to send this information to the news media in order to get this problem solved. XXXX was suppose to supply me with a letter so I can send to the credit bureau I have never received that letter. I will file a law suit against XXXX if necessary.

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 2016-10-25
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage has been paid in full to this company and they are telling 6 months before the lien is released. I need this lien released immediately. I have another bank that I refinanced through that has to place the lien on the property. I have kept calling and keep getting told its " in process. '' No one is helping get this lien released.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this item however, I have not been successful.

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 2020-06-02
Company: EQUIFAX, INC.
State: MA
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:
Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX  account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Recovery Service has been trying to collect money from me that has been reported on my credit report from a charge by XXXX XXXX XXXX ( TX, XXXX area ), that is completely erroneous and is currently hindering my credit for no reason. The collections amount is {$260.00}, and although we briefly used this company, after poor service ( being told services were being rendered when they were not -- we have security cameras that proved this -- and poor service when they were actually here ), but we requested they never come back. No contract was signed stating the services that were rendered for this {$260.00} should take place. At one point, an employee trespassed on our property to make it seem like a service was being given -- one that we did not ask for, and was only done in part. No matter how many times we try speaking to this company, they hide behind this collection agency, and we DO NOT owe them any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is made against Comenity Bank and XXXX XXXX. The last purchase made at the XXXX XXXX retail store in XXXX, GA was XX/XX/XXXX for {$130.00}. Since that time, there have been no additional purchases. The current balance due as of XX/XX/XXXX is {$970.00} due to late fees, and a predatory interest rate of 26.49 % Contacted Comenity Bank ( XXXX, OH XXXX ) XXXX to request a settlement on this outstanding debt. Multiple attempts to get a settlement option have been unsuccessful. Each time being told that was not an option. On XX/XX/XXXX, I was transferred multiple times, spoke with 6 representatives and requested a settlement offer from each of them. I was told repeatedly that a settlement was not possible -- since a partial payment was made on XX/XX/XXXX. No additional payments were made, the account was again in arrears on XX/XX/XXXX when I called Comenity Bank and attempted to negotiate a settlement to resolve the debt. Again I was transferred and spoke with 3 representatives, the last was a supervisor, " XXXX '' who was curt and dismissive. I would like to settle this debt for far less than the current {$970.00}. since the original bill was only {$130.00}. 
On XX/XX/XXXX I called and spoke with XXXX who offered an option but could not provide a confirmation in writing before the payment was made that it was to be a final settlement. Given the recent difficulty this is unacceptable. 
Here 's the backstory -- in XXXX I relocated from XXXX, GA to the XXXX XXXX area while my home was being renovated. I had a XXXX XXXX in XXXX I am very embarrassed and somewhat distraught over the neglect of this account. The balance increased on this account due to late fees and interest charges. This is a request to remove and or significantly reduce all bank fees and interest fees.I am willing to settle and close the account. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased the vehicle in XXXX with Credit Acceptance being the finance company then covid happened so I was on the covid relief program but when it ended I was still struggling so I wasn't able to pay they came and repossessed the vehicle they sent out a letter saying it was sold and that was in XXXX and now it's XXXX they're trying to garnish my wages this doesn't seem right and the amount they said I owe is not the same as the paperwork I received can you please help 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 explanation
Consumer complaint received 2019-01-15
Company: CITIBANK, N.A.
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:
I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 XXXX XXXX account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd XXXX XXXX account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is citi, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted 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 2018-05-08
Company: EQUIFAX, INC.
State: NJ
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:
There is one inquiry on Equifax that was fraudulently done.I went on XXXX  and file an Identity Theft Report. FTC report number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XX/XX/XXXXCase Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.

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 2019-09-10
Company: AES/PHEAA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX / 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I was just made aware a hard inquiry was made on XX/XX/2018 was made to capital one. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Navient Solutions, LLC.
State: UT
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  and XXXX are reporting incorrectly that I am 120 days past due on several student loans with Navient that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
US Bank is saying I owe them {$1700.00} over 1 penny back in 2007 I tried to resolve the problem I couldn't get any help so I just left the bank alone. They were trying to charge me {$100.00} for the penny overdraft now they want {$1700.00}. They state that they are a federal bank and will get their money. {$1700.00} for 1 penny

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 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After I filed a transaction dispute on XX/XX/2022, Capital One placed my credit card in a hold status denying me the use of a provisional credit as a form of punishment. 

I continued to request for this hold to be released, but was told by a Capital One Dispute Representative that this would not be done until the dispute is completed with the vendor. However, the vendor issued a refund and had participated in a call conference to further verify that the transaction was canceled. See attachments. 

I believe Capital One has retaliated against me just for filing a dispute. This is a bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check with Bank of America using their mobile app. ( XX/XX/2019 ) My check is now being held hostage until XX/XX/2019. I have never had any negative issues with my account as it has always been in good standing. This two week hold, which I've deposited many, many, many checks and have had direct deposit for quite some time will now cause a slew of financial burdens for my family and I. I do not have funds for paying my bills which I now will default on 4 of my credit card payments, possibly my rent and I have XXXX small children that are relying on these fundamental my husband works hard for. In my 20 years of banking I have never seen such a thing. Please I ask for you help. 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 2018-05-08
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 I was contacted via my personal cell phone by a woman from XXXX who identified herself as being with XXXX XXXX. She left me a voice mail to call her on a different number XXXX ext XXXX about an urgent matter and that I needed to call her by XXXX. 

I have no open accounts with any creditor other than a mortgage. I decided to call this number back from a different phone on XX/XX/18. I was pressed by the agent on the other line to give my phone # that I was called on and when I refused they asked for my social security number. I gave neither items. The first lady I spoke with gave me a PO Box with a zip code of XXXX. When I pressed her for a physical address so that I can come to their location and speak to a manager they transferred me to a XXXX XXXX. He also pressed me for my social security number and refused to provide nothing other than a PO box address. XXXX XXXX XXXX XXXX OH XXXX. The first lady may have transposed a number but it seems odd that an employee would do that. 

This may be a completely legitimate company but their collection and contacting practices are aggressive and predatory. When googling the name of the company this appears to be a legitimate bank but their communication tactics are questionable. 

I attached the voice mail left on my cellphone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I checked my credit report and noticed inaccurate information in my Public section. I have I asked Lexis Nexis how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX Cell XXXX My bank account is I dont have overdro with my bank And when I open the account I ask my banker I dont need over drow plane to my account if I have money in my bank when I use my card ok if I dont have money dont let the bank make transaction and add fee to my acount What I need 1- all the money for the fee it goes back to my bank account 2- my account go to positive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was told a supervisor was going to call me and never received a call. 

This is associated with another complaint : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company refuses to provide me verification and validation of debt. I am disputing this debt because i do not owe it. I have never been to this facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Collection Consultants of California
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: STATE FARM BANK, FSB
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: Old information reappears or never goes away

Complaint:
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX account number XXXX. ( Please see page attached from my credit report. ) I was enrolled in a special account program to assist me in catching up with the payments due to a lay-off from my job. Because of this hardship, they agreed to let me make payments and bring the account current. When I obtained a copy of my most recent credit report, I discovered they had re-opened this account. When I called to inquire, I was told by the representative that this was an error on their part however, they were unable to reverse this incorrect information from being reported. Also, this account is reporting an incorrect balance. This negative reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation