BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-15
Company: American Accounts & Advisers, 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: Account status incorrect

Complaint:
This account has been paid for over a month. I have not received any letter showing on credit its been paid or removed from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've asked this company to stop contacting me via their online contact us form ( twice- most recent was yesterday ) and through physical mail ( mailed XX/XX/2019 ) and told them that they may contact me via email or mail ONLY. They repeatedly call me, my husband and my WORK EVERY DAY! even AFTER I told them not too!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: DE
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:
Im accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 15 U.S.C 1681 Section 602 A, States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy. Please block and delete the following accounts from my profile : DEP OF ED/XXXX {$57000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare , LLC is my current servicing company for the home mortgage. 
Form the month this loan got to LoanCare , LLC for servicing a deferred payment amount of {$2700.00} being reflected on each and every statement. 
We have submitted multiple requests for an explanation and description of this amount with the dates and incidents it occurred from. 

This company simply ignored all of those requests and it is impossible to get in touch with 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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently challenged the validity of XXXX XXXX Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX updated the payment history to current with no late payment history based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Transunion, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information is true, Im requesting the information Transunion used to verify this account payment history in writing. If such documents can not be produced please notify Transunion to update this account on my credit report immediately. Transunion failure to validate the account violates my rights as a consumer. How is it that XXXX doesnt reflects a late payment. Transunion reflects late payment for XX/XX/XXXX and XXXX reflect late payment for XX/XX/XXXX. If the information was validated all credit bureaus would reflect the same information. Im requesting legal action to remove information from my account immediately

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 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Account shows 90 day late payment in XXXX of XXXX. Applied for a loan modification in XXXX of XXXX due to reduction of income due to my wife having XXXX XXXX. Followed all the directions in which we started a trial period of 5 months of a reduced mortgage. During this period we could not be late and had to pay on the XXXX of every month. We qualified for the assistance. Following Bank of Americas directions we where told to put a stop on our scheduled deposits for the original mortgage. They never communicated with their own departments and placed us as 90 days late. I have spent 16.5 hours on the phone with Bank of America and applied for 4 credit reviews with documentation and all came back as denied. This has caused us to have a higher interest rate on our new mortgage. Also dramatic reduction in my own credit scoring.

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 2021-03-05
Company: EQUIFAX, INC.
State: NV
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:
This is in reference to XXXX XXXX XXXX 
There is a collection with XXXX, Equifax and XXXX XXXX concerning a loan that I had with XXXX XXXX. The collection was on my credit report for 7 years and was removed because of the time frame had expired. By law, they had to remove this collection and was removed in late XXXX or early XXXX. It has since been re-established on my credit reports as of XX/XX/XXXX. 

I believe this is a flagrant and intentional violation of Federal law. I am requesting you look into this issue on my behalf and hold the company responsible for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I contact the credit bureaus 4 times already.

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report it.

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 2019-11-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Major issues with my Navient account, which has resulted in delayed, doubled, and missed payments on the account within the last 6 months. Inconsistent payments while enrolled in auto pay, with no notification of the agreed arrangement end date. I have called for various issues once every other week, with no consistent help : XX/XX/2019- Late fees charged to account with auto pay deducted on the Navient appointed due date ( payment not late ) XX/XX/2019- Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019- Auto payment not deducted for Federal loan ( through navient ) Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019 - Auto payment not deducted for Federal Loan ( through Navient ) Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019- Auto Payment not deducted for Private Loan ( through Navient ) Loan was sold for {$37000.00} with no approval or notice XX/XX/2019- Private loan increased by with no notification/ Federal loan auto pay charged twice. Called back to reverse payment ( fault of Navient ), and have not received refund as of XX/XX/XXXX.

I have had to file a forbearance to assist with the fluctuation of my account, and have requested to not be placed on auto pay, which I am unable to do if I want the lower payment rate.

I continue to be pushed around from customer service rep to rep and I am not receiving the proper customer care. The inconsistencies continue to not be resolved, with multiple errors to my account at the fault of customer service reps who are not processing my information correctly. It is difficult enough making these payments month to month, but when I am charged twice, or payments increased not to the fault of my own, Navient is blatantly taking advantage when they know there will be no consequences. Every month its a different problem and I can not keep calling every week to reverse mistakes that I have not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: PA
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 have found that the reporting agencies XXXX XXXX and Equifax or in violation of my consumer rights according to 15 u.s.c. 1681 d

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had a credit card with Barclay 's Bank Delaware in XXXX, during that time I got XXXX and my wife at the time didn't take care of the responsibilities. The account was closed in XXXX and the balance charged off was {$1400.00}, but I'm being charged {$1900.00}. I recently lost my XXXX XXXX because of this negative mark on my credit report, I've been trying to contact the company for the last 4 days and some foreign guy always answers the phone after me being on hold for almost an hour and then he is no help. I wanted to try to pay off the account and get some conformation, but he refuses to take a payment over the phone and refuses to give me any documentation about trying to correct the issue.He puts me on hold again and says he will transfer me, but I only sit on hold again for another hour just to be transferred again. I'm trying to get this issue resolved ASAP, but I cant get any assistance from this company.

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 2019-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a XXXX XXXX XXXX XXXX XXXX report for a utility ( natural gas ) on my credit report for a company I did not have an account with. I have submitted disputes twice, but the collection agency will not prove or remove the collection account. I have receipts for all my natural gas payments in my online banking account and in my email. However, it has not been removed by the credit agencies.

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 2017-12-14
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX of this year I sent a wire tranfer worth {$20000.00} USD to coinbase to their account in XXXX XXXX XXXX to an account under my name. Coinbase confirmed through email that they recieived it and said as the wire wasnt send from an account under my name that they have reversed it ( I sent it from my business account ). Unfortunately my bank never received those funds back and coinbase just doesnt answer with any solution, they just say they are " working on it '', but dont give me a confirmation of the reversed wire or any documentation that support that indeed they reversed those funds. It has been almost 3 months about this, and I still havent seen any solution. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I opened the account I was new in the Main Land and I opened an account at Wells Fargo. Initially I only wanted to open one account for my daughter which was a Teen account so that when I'm in Hawaii her father can make transfer into her account. Then I was also force to opening another account just for myself even though I only wanted to go there for my daughter 's account. I notice I started getting charge monthly service fee and overdraft fees which I was not informed during the time when I opened the account. I spoke to a representative and I expressed that I wasn't told about the fee and they reverse it. Now it made it complicated for me since my daughter child has my account information not the teen account so it's preventing me from closing the account I didn't want in the first place. I want my overdraft and monthly service fee refunded but they are refusing to reverse it. I want to file a complaint because I shouldn't be charge for something I didn't want in the first placed.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: MS
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found univariable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requests to know all the steps your agency took insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was in forbearance but late payments from the end of XX/XX/XXXX-XX/XX/XXXX are reported. If the account was in forbearance there should not be any late charges reported on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Avant Holding Company, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have never paid this card late in fact I have always paid it early I had no issues with my other payments coming out of my account on this particular date but they tried to draft a twice and canceled my payment then said I owe Late fee I asked them to waive the late fee they sent me an email saying that they couldnt I do not owe them a late fee I see on the account where the payment tried to be processed twice I can show proof I have the funds readily available in my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I would like all the auto inquires removed from all 3 credit reports< of course I didn't know that they shop your info out to other places without you knowing unless you have been through this before at some point in your life. Long story short I have way too many inquires on my file and they are mainly due to other companies handing out my information that I was unaware of t the time. 
The new me cares about my credit score and report and I take it very seriously. This is hurting my score and stopping me from getting access to a lot of things. Please fix this issue or have them fix it. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: SANTANDER HOLDINGS USA, 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:
In XXXX I opened an account with Santander USA while purchasing a car. 
Every payment per month, I obtained 1 point toward my credit score. During Covid, I complained about the company Santander USA for their delay in offering assistance to customers affected by Covid. Ever since I filed the complaint, members of the Santander USA staff began retaliating by failing to report payments for credit or blocking payments online in an attempt to make my payments difficult and/or late.

Their efforts failed. Their system partners with credit bureaus such as XXXXXXXX, XXXX, and XXXX. XXXX has reported XXXX point increase every XXXX months. XXXX and XXXX have reported a XXXX point increase every XXXX months in spite of on time payments. This hinders any progress towards an excellent credit score of XXXX. 

In retaliation to my complaint, Santander USA recently reported a late payment taking place in XX/XX/XXXX by fraudulently stating that the payment was made of XX/XX/XXXX. This was only done after a recent complaint about absent score reporting in which I accused them of withholding up to XXXX points. The entire 3 years and 9 months, my payment score has been 100 % on time. While they only give XXXX point per XXXX months, this false report has in XXXX removed XXXX points. Which was recovered after a complaint with the State Attorney Generals Office. In XXXX in the same month they falsely reported last year in XXXX, XXXX points were deducted in 1 day, based on this false accusation of this false payment made in XX/XX/XXXX. The online credit history and my receipts, both validate and confirm my onetime payment of XX/XX/XXXX, yet the Santander USA, XXXX, XXXX, and XXXX have all opted to ignore the evidence and allowed my credit to be destroyed and damaged after years of effort to obtain good credit. In XXXX Santander USA reached a settlement of {$550.00} XXXX dollars with XXXX states for deceptive loan practices after legal action by the federal government. I estimate my credit would be XXXX, if not for the practices of Santander USA, XXXX, XXXX, and XXXX to subtract hundreds of points from my credit score based on fabrications, retaliation, and fraudulent credit reporting. The lack of legal action has made this organizations arrogant and fearless with corruption towards consumers. Thousands of consumers have communicated on social media, comparing the practices as part of a norm with these organizations. After three years of obtaining XXXX point every few months for continued on time payments, Santander USA, XXXX, XXXX, and XXXX casually deducts hundreds of points sending me back to the beginning of my plight 4 years ago. I would like these companies investigated and my score restored to its actual score between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Someone called and stated they were a debt collection agency and that XXXX sent them my debt for two hundred and something dollars. I paid XXXX for 1 year worth of Auto insurance up front a few months ago. So there's no way I owe them a debt. I was also never contacted by XXXX or received any mail from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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: Information belongs to someone else

Complaint:
There are accounts, addresses, names and inquiries that are not mine.

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