BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated calls from Dynamic Recovery Solutions on XX/XX/2019 and XX/XX/2019 regarding debt collection. ( I have no debt ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: MO
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 sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.

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 2020-10-22
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
L

ogged into account to find out it was closed with no notice. Called customer service and they can not explain why I wasnt notified. Said it was in activity for 2 years but I. The account is a summary from 2019 with transactions on it. Rep put in to see if it can be reopened ( not holding my breathe ) and that Id receive a letter, we shall see. Also stated she would put a complaint in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed the XXXX several times with Experian and they have failed to provide me with information showing that this account belongs to me nothing bearing a signature.

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 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020 I purchased a purse from someone on XXXX. It was in the amount of {$180.00}. I received a confirmation and a tracking number. I received the box attached to the tracking number, however the item was not included. I was out of town when the box was delivered but my mom was home and brought the package inside. 4 days later when I got home I opened the box. ( I was out of town for a funeral ) The box only had magazines in it. I reached out to XXXX and they said they have a 3 day dispute policy and I needed to reach out to my bank. I did and I spoke to a claims agent and gave him all the info he asked for. I asked him if I needed to " return '' the box even though it didn't have the product, the agent said no. I received a response letter from my bank, XXXX had provided the tracking sheets showing it was delivered however I never argued a box was delivered. My argument was that the item was not in there and I got scammed. They asked my to appeal their response with a letter explaining the situation. I did. They responded again and said that " I needed to return the box even if it didn't have the item inside. '' I asked this specific question previously and was told no. So again, I reached out to my bank and they told me that the " temporary credit '' I received while they investigated will be pulled back out of my acct by the end of XX/XX/2020. When I explained the situation, yet again, I was told that " It has now went past the amount of time that my bank could help me '' and I needed to reach out to you to get this resolved. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Experian Information Solutions 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:
There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to XXXX, Experian, and XXXX regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXX   XXXX  Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have emailed and called many times to explain that Im an overseas military subject to scra rights. Exeter repossessed my car even though I was told Id here back from them by many representatives which lead to my car being XXXX with over XXXX of military gear inside vehicle. I was unable to retrieve my coworkers property though third party because of slow property release by Exeter and non communication I am seeking reimbursement for the missing property that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While I was overseas I became a victim of identity theft. The following inquires were not authorized by me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Navient Solutions, LLC.
State: DE
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:
On XX/XX/2023 I was notified by XXXX that Navient reported my private student loans as 60 days late. I was in disbelief. I was never late on my payments. Actually Navient takes payment from me every month of the 3rd. I check my bank statement and sure enough the XXXX was removed. I never received any statement in the mail from Navient. I never received any invoices from Navient prior to this issue because I found out Navient was sending my information to my co-signers house. My father, who does not live with me or will not open my mail. When I called Navient even the supervisor filed a report for me stating I did infact make my payments monthly. When I called them back to ask what my status was because they never returned my call, they stated the reason why I was late was because the federal interest rates went up and making my payment higher. How is this possible when I am clearly on a payment plan and I was never notified of these changes needing to be made. They were the ones taking this out monthly for me out of my bank account. There was no follow up and no one wants to help me at this point. I have filed to dispute this with Navient at which they ensured me on a recorded line an ombudsman would contact me, and never did. I have also tried disputing these accounts with all 3 credit bureaus. I was in the process of buying my first home when they reported these frivolous findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Statement date : XX/XX/19 Creditor : XXXX XXXX XXXX XXXX XXXX account # : XXXXXXXXXXXX Credence reference ID : XXXXXXXXX Balance : {$70.00} Hi, I have a previously cancelled debt for an XXXX XXXX XXXX mobile phone bill that has now been sent to collections with Credence Resource Management. The number on the account was ( XXX ) XXX-XXXX. 

At the end ofXX/XX/XXXX I requested a change in plan with XXXX XXXX XXXX, but the move was botched and forced me to incur a charge of the aforementioned amount. XXXX XXXX XXXX repeatedly could not fix the issue and eventually recommended I switch carriers, noting the charges would be eliminated as a courtesy in urgent ticket XXXX. The representative on the case was XXXX. 

However, XXXX XXXX XXXX still sold the debt to Credence, with whom I disputed the case 6 times in the following order : - Two phone calls - Two e-mails dated XX/XX/XXXX and XX/XX/XXXX - Letter In each of the e-mail exchanges, they claimed XXXX XXXX XXXX asserted the charges were legitimate. After the first response, I called XXXX XXXX XXXX on XX/XX/XXXX and had to escalate through 5 different people before they confirmed that the charges were cancelled based on the notes in the urgent ticket above. I do not believe Credence has made a good faith effort to verify this. 

In the final e-mail exchange, the following was written and the debt remains : We are in receipt of your email, dated XX/XX/2019. Please be advised that we will cease all communications with you regarding this matter. We strive to provide professional and courteous service. 

I called Credence two more times on XX/XX/XXXX ( XXXX, XXXX XXXX ) and XX/XX/XXXX ( XXXX ) to no avail. At this point, I hope the CFPB will be able to resolve this issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 my credit was pulled by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have reported to Experian multiply times to remove all Potentially negative from my credit history which is now impacting my credit score. i told them its not helping me and that its Illegal to have that on there even when paid in full. here are all the credit companies i told them to get off my credit history. 
XXXX XXXX opened XX/XX/XXXX paid in full XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX paid in full XXXX XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX paid in full XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX paid in full XXXX, XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX, XXXX opened XX/XX/XXXX paid in full XX/XX/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 2021-11-05
Company: Experian Information Solutions Inc.
State: MN
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:
ISSUE WITH EXPERIAN REPORT # XXXX THERE IS A HOME ON MY REPORT THAT I HAVE NO KNOWLEDGE OF : XXXX XXXX XXXX XXXX, XXXX MN XXXX THIS COMPANY BELOW HAS SOMETHING TO DO WITH THIS PROPERTY!! XXXX Phone XXXX Mail XXXX, XXXX XXXX XXXX XXXX XXXX, WA, XXXX MY NAME IS XXXX XXXX ( XXXX ) I DIVORCED : XXXX XXXX IN XXXX - HE ALSO GOES BY : XXXX, MY CURRENT ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX MN XXXX MY SOCIAL SECURITY # XXXX DATE OF BIRTH XX/XX/XXXX my email is my only contact : XXXX MINNESOTA STATE ID # XXXX MINNESOTA DRIVER LICENSE # XXXX and XXXX this home is on my credit report, can u tell me who sold this property and who bought it. 

no knowledge of these inquiries XXXX XXXX via XXXX XXXX IN XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IA XXXX Phone ( XXXX ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( 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 non-monetary relief
Consumer complaint received 2017-03-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Received an escrow shortage letter from Wells Fargo for {$4700.00}. Part of the taxes were not paid at closing by the title company and taxes/interest part of mortgage was calculated too low. This was a refi, so most of the paperwork was already on file with Wells Fargo.

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 2021-04-28
Company: EQUIFAX, INC.
State: NC
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 recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bank of America will not apply my additional principal payments I make towards my RV loan. They place some towards Principal and some towards Finance charges and push my payment due dates out. I'm ahead of my payment schedule. My principal balance is not dropping by my additional principals paid. ( minus loan pay, etc. ) I've contacted Bank of America a couple of times about this problem. I just got off the phone a 3rd time since I've had this loan with XXXX who tried to explain ( but couldn't ) that I don't really have a payment due until XXXX 2020 and that the Finance charge on my statement is really a holding place for the next payment. So my extra principal I'm paying only buys me time and pushes my payment due date out not reducing my principal Balance? Every time I make an extra payment I specifically tell the teller I want the extra to go to principal. They tell me it will but doesn't. At least not in a way I'm used to. I believe this is a deceptive tactic on Bank of Americas part and would like it investigated.

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 2023-09-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have serval unauthorized credit inquiries that I have no knowledge of and would like to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE FOLLOWING ACCOUNTS ARE NOT MINE, MY IDENTITY WAS STOLEN AND CREDIT WAS EXTENDED WITHOUT ME KNOWING FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX -ACCT # XXXX - {$2400.00} XXXX -XXXX XXXX -ACCT XXXX XXXX - {$26000.00} XX/XX/XXXX XXXX XXXX XXXX -ACCT # XXXX - {$320.00} XX/XX/XXXX XXXX XXXX -ACCT # XXXX - {$930.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$440.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$150.00} XX/XX/XXXX -XXXX XXXX - {$5000.00} XX/XX/XXXX -XXXX XXXXS XXXX - {$340.00} XX/XX/XXXX -XXXX XXXX   XXXX - {$3200.00} XX/XX/XXXX XXXX XXXX - {$920.00} XX/XX/XXXX -XXXX XXXX  - {$870.00} XX/XX/XXXX -XXXX - {$7200.00} XX/XX/XXXX XXXX XXXX XXXX - {$13000.00}

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 2018-05-09
Company: KEYCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My billing statement from KeyBank for a car loan does not include the number of days in the billing cycle. It includes the interest rate, and amount of interest taken from my previous payment, but does not tell me how many days were in the billing cycle. The amount of interest charged is all over the place -- often increasing for several months even though my principal balance has gone down. Credit card companies tell me how many days of interest were charged, so I can go back over the past year to see if the number comes out to XXXX. With KeyBank, however, I am not given the information of how many days interest I am charged in a month, or a year. 

I think there should be transparency in lending, and they should give me a complete picture of how my payments are calculated each month. When I called them about it, they said they just don't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
A complaint was filed about 6 months ago with this company ( NAVIENT ) because I was paying on their coupons and then every month I paid, I was getting late notices. I then asked for new coupon payments so that ALL fees would be included. I also asked that any credit report items be fixed because of their inactivity. 

Navient never responds to letters ( I have sent six this past year, three were certified, no response to any ). I do not use their online portal due to issues in the past. I want all responses via regular mail. After my last complaint, I got a listing of payments made and am still checking them, but there was no explanation on why I would pay and then get late notices. I was paying on time and then getting extra charges. 

I am sending a certified letter today XX/XX/2019, asking for a 2-3 month deferrment and a NEW payment booklet with all charges by month so that if I pay on time, I should not get calls and letters saying I still OWE money. I don't make up the payment booklets, they do. They were suppose to send a new one after my last complaint, but only sent a list of payments. I really need a definite payment, by month and no hidden or extra charges. I can not respond to emails send that will not allow responses or texts that do not allow responses. 

They are the MOST frustrating company to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance : XXXX - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX Balance : {XXXX - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX Balance : XXXX - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : XXXX - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : XXXX - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXXXXXX Balance : XXXX - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately.

Company response to consumer: Closed with explanation