BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: SLM CORPORATION
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sallie Mae has denied me access to my account. I am unable to verify if my payments have been posted to my account. They are calling family and friends and harassing me, but refuse to allow me to verify my balance. 
I lost my job due to covid and I am trying to get on my feet. They are jeopardizing my job, my credit score and my XXXX  health. 

I believe they are missing payments, but I can not resolve anything without access to my records. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to the er back in XX/XX/2013 and had medical treatment done.I didnt have insurance at the time, but got insurance two months later.The treatment was done at XXXX XXXX, in XXXX colorado.I checked my credit score and noticed i had a XXXX bill in collections from aargon collection agency.Since 2013 i have not received or been notified by either the hospital or the collection agency.Or had the opportunity to try and pay the debt.My insurance was willing to retroactively go back and pay it..but being that they havent tried to contact me for 5years my insurance wouldnt.

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 2020-12-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have make a mobil deposit in my business account ( At regions bank ) for XXXX dolar. it supposed to be available next business day and now got and email telling me that deposit will be available 10 days later. I called to 1800 number to look for remove hold and the informed me that I have to go to the branch. went there and was attended by XXXX XXXX. That person have the worst customer service I have never had in my life. She refused go help me, she scream me and also invited to me to close the account. Also told me that he will call the police if I don't move from the chair that I was seat. my phone number is XXXX. Regions bank and XXXX XXXX must be responded to clients like me that has been hurt for their bad service

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 2022-01-11
Company: Experian Information Solutions Inc.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The Equifax agent deleted my two accounts in dispute that were resolved. These 2 accounts were paid in full and I requested for the dispute remarks to be removed for the sake of my mortgage loan process, but instead, the agent deleted my two accounts which caused my score to decrease and is now affecting my mortgage loan process!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: IL
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 account is not valid and has been sold to a 3rd party after attempts to resolve this issue with no resolve.

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 2019-09-19
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have wrote to all Credit Bureau to have this debt with West Lake Financial removed from my credit report. This debt is over seven years and West Lake Financial is reporting it as a new debt and placing it back on my credit after removed. I never agreed to a payment arrangement on this with West Lake Financial because I'm unable to work and the bill is over seven years old. It is a violation of law for a collection agency to report old past-due amounts as if they are new again. If an agency persists in reporting old debts with updated activity dates, I may have a legal case against them. West Lake Financial is reporting a debt that's over seven years on my credit report and hindering my credit score. I would like this removed once again off all credit bureau and not to be replaced again as if I open a new contract with West Lake Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: NV
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:
Experian reporting and allowing unauthorized inquiries on my report. They wont provide written documentation as to the nature of the inquiries. Someone has my social security number attempting to get credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: Affirm Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased 4 Fuel rims from XXXX XXXX and paid through Affirm. I never received order. The tracking did not include a signature or where it was delivered. I contacted seller and they never did anything. I created a police report for the lost package. I contacted Affirm to open a dispute as I have not received the goods, but they never helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: NAVY FEDERAL CREDIT UNION
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: Personal information incorrect

Complaint:
So I got a used car loan from XXXX XXXX, and they put the wrong address on my account, I stay at XXXX XXXX XXXX XXXX NC. They put some Virginia address where I didn't stay at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
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:
Today, XXXX XXXX 2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called Capital One. Capital One used XXXX, as the credit bureau where they pulled my credit report, also without affecting my credit score, because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX  of XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on XXXX, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless Capital One also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  of XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at thXXXX District Court of  XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  of  XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XXXX 2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX  never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XXXX XXXX 2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  of XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XXXX XXXX 2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX ( Original Creditor : ) 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 2019-03-27
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a account from XXXX! I disputed it and finally the credit bureau removed it! Now they putting it as a new account opened XX/XX/XXXX this is double jeapordy and illegal!

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 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
I received word on XXXX/XXXX/XXXX, via a news outlet, that a security breach had occur within Equifax between XXXX and XXXX where my personal information may have been compromised. I went onto Equifax 's website and found, from them directly, that my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 non-monetary relief
Consumer complaint received 2022-09-03
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: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX # XXXX is violated my rights XXXX  XXXX  XXXX  # XXXX is violated my rights XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Diversified Consultants, 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:
Good morning. DCI agreed to a settlement to remove an item from my credit report. I have paid the settlement amount but the company did not remove it from my credit report as agreed. 

I have contacted them multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: VA
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 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 non-monetary relief
Consumer complaint received 2018-05-19
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently subscribed to credit monitoring through XXXX and noticed a collection account that I have no knowledge of. I mailed a 2nd debt validation letter by certified mail on XX/XX/XXXX to the collection agency listed on my credit report, United Revenue Corp, for proof of the debt, what it is for, anything with my signature on it, etc. The company sent me a one page response saying my debt is valid per their investigation but did not send any form of proof that the debt is mine, that they have anything with my signature on it, etc. I have no knowledge of this debt and it does not belong to me. The original creditor is XXXX XXXXXXXX XXXX and by doing a basic XXXX search, its a chain of hospitals in the XXXX, TX area. The letter states that I was seen in an emergency room on XX/XX/2016. I have not been to the doctors or any hospital in the XXXX area. I requested that the debt be removed from my credit report due to fraud and the fact that proof of the debt can not or will not be provided to me, the consumer who is suffering from a negative account which does not belong to me being hit on my credit report every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KS
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:
I was one of about 143 million US citizens affected by the Equifax security breach reported on XXXX XXXX. I have checked and the website that tells users if they were affected or not and they believe my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I went to a branch of Santander Bank in XXXX XXXX, Pa. and paid my mortgage note as I usually do. To my surprise, on or about XX/XX/2018, I received a collections letter saying that the payment had not been made. I took a copy of the cashed checks and presented them to a representative at Santanter Bank, however, they told me that they could not help me because their mortgage department has been sourced out to another company. But for your information, the representatives from the outsourced company answers the phone as Santander Bank. 

I called Santander several times about my missing payment and finally during one of my calls, their representatives requested that I send an email of the collections letter and copies of the cashed checks. Meanwhile, a representative of the branch of Santander Bank in XXXX XXXX, who tried her best to help me, also sent copies of the payment I made to the XXXX XXXX branch. As a result of the emails sent, I received two separate letters from Santander several weeks ago acknowledging the receipt of the email and the letters stated the problem was being investigated. Since that time I have received another past due letter and two collection calls from Santander. Will you please advise me on what can be done to solve this problem.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
I 'm impacted by the recent Equifax breach. My information is available to whomever obtained this data. They knew about this issue for 3 months and barely made people aware of this. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
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:
I currently have Three accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 I finally received my XXXX  from Nevada, I been having the card for months I never used it before I never gave no one the pin I always had the card in my possession I log on to my account and I seen a whole bunch of unauthorized purchases popping up back to back right before my eyes I immediately took the money out of the nearest atm, I called bank of america and I had a hard time they saying that was not possible, I called so many times before I finally got my money back I was issued a new card as well and each time I received money I took it out of the bank, then the charges was reversed saying that I authorized those transactions I kept calling and calling trying to prove it wasnt me I received some of my money back not all of it, I tried to file a police report, the police said I cant because it was online I filled a FBI Report, I contacted the XXXX XXXX XXXX multiple times it was a little help Its been almost 2 years and Still use is still on going

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