BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: MidAmerica Mortgage Inc
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:
For one i have multiple. Inquiry within the grace period. That all should be counted as one. 30 days i do believe. Or 15 either way it's in that time period. Secondly I've only approved one to run my credit. The others should not have ran my credit so. Idk why i have 3 others. I need these removed immediately because now it is affecting my credit and makes it look like I am searching for more credit when I'm not I'm trying to build my credit and this is messing with it I only approved one not four

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: AZ
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:
When I reviewed my updates, I discovered that inaccurate information was being reported to my personal credit file. Credit reporting agencies have failed to comply with the Fair Credit Reporting Act, 15 USC Section 1681i, and have continued to disclose unverified information without giving the necessary documentation. The three credit bureaus failed to properly identify and produce verifiable proof within the time frame required by law. The following information is incorrect, and I never gave permission for my credit to be accessed. They have not provided me with formal consent or removed these things from my credit report. The following elements must be removed : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In XX/XX/2023, I was issued two American Express Reward Virtual Cards. Each for {$25.00}. Each with an expiration date of XX/XX/2023. On XX/XX/2023, I attempted to redeem one card in full in an online transaction. The payment was rejected. I attempted to use the card in other transactions with other online retailers. All were rejected. I had the same experience with the second card. 

On XX/XX/2023, I was able to access the card details at amexrewardcard.com for both cards. I verified that both cards had a balance of {$25.00} each. I also verified that the cards are valid until the last day of the month of the expiration date. 

On XX/XX/2023, I called the customer service number at XXXX. I spoke with XXXX. She verified that card one had a {$25.00} balance and I should try the card at other retailers. I followed her advice. I tried to use the card in full and in transactions smaller than the full balance of the card. All were denied. 

I do have documentation and can submit as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello- There's a closed XXXX XXXX account from XX/XX/2019 that's showing up on my credit report as a charge-off/derogatory entry. This is 100 % inaccurate. This account is only being reporting in such light from Experian- The other two bureaus are reporting the same account accurately. I have long good standing history with XXXX and continue to be a loyal customer. I'm attaching a copy of my credit report showing XXXX and XXXX reporting " Paid as agreed '' whilst Experian is showing " Charge Off/Derog ''. 


I thank you much in advance!

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 2019-06-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have repeatedly requested that Navient provide me with an application for the income based repayment plan. Annually they play a game of neglecting to contact me in any way about the need to reapply. They fail to provide the application to do so. They move me to a standard repayment plan, the monthly payments of which are approximately 1/8 of my annual income. When I call they force me to agree to forbearance under duress, and finally agree to send an application, which they without fail have neglected to do. Then they put me in default for not paying on the loan despite making every reasonable effort to keep my account current. The only barrier to my student loans being current is Navient and its potentially criminal and fraudulent business practices. My last complaint to the cfpb went fully unanswered by Navient. I got some obscure and bizarre letter from the cfpb about the delay in the response but waited and waited and waited for a response from Navient prior to moving forward. Im once again in default because Navient has failed to make an application available to me. I spoke to them again today requesting that an application be sent to me and I requested specifically that due to their previous malicious neglect, that they provide more specific information about when and how it would be sent and that tracking information be provided. I was transferred to a supervisor that refused to listen to anything I said and just obstinately refused to participate in the conversation. He additionally refused to transfer me to his supervisor because he didnt want me to yell at her. I will not ever again be speaking calmly to these people, and yelling is the only thing that will happen when I speak to them. This is directly the result of their refusal as a company to provide the most basic of loan servicing services required of them because Navient prefers its borrowers to be in default. I am done with the games. Please provide any information you can on how to pursue legal action and to have my loans either forgiven or transferred to a different servicer. Navient is deliberately and maliciously damaging my credit and I will not ever again be involved with any interaction between myself and them that is not a part of court records. This is unacceptable on the parts of Navient, the cfpb, and the federal government. Get it together or eat the $ XXXX and growing debt i have. My credit has already been destroyed. I will gladly swap to an off the grid, cash only existence for the remainder of my life and let you spend thousands of dollars attempting to collect a debt that Ive been begging to take care of for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
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 requested multiple times for this account XXXX to be investigated properly with the original creditor and I'll I get is a response that the " data furnisher '' has verified the account. Yet the account being reported does not have any information on who the creditor is? Contact information? On some of my request I have asked who and how the account was verified to make sure it was not dont through what is known as the XXXX system or similar to it which does not constitute proper validation. I have also requested if the Reporting Agency Equifax has HIPPA release to hold such information since it is a medical account and again have failed to provide such, I will also follow a complaint with HHS.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Law Offices of Donald R Conrad P.C.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XX/XX/19 for a debt of XXXX to XXXX XXXX. XXXX XXXX shows they cashed my check on XX/XX/19. The debt has been paid and was paid before they ever reached out to me. The letter I received does not state it is from a collections agency, and does not have an inked signature. They have called me and don't identify themselves as a collections agency on the phone. This collections agency technically owes me {$1000.00} for violating the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 charged off and the debt is no longer a debt as it has been written off by the company. Ive requested the 1099 for this and have been ignored. this is a violation of the Fcra.

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 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 120 days past due on XXXX - partial account number XXXX. ( Please see pages 16 and 17 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-06-10
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I was in the XXXX Airport. That is the date the fraudulent charges started. I received a call from Suntrust Fraud Department 2 days later, where they asked me over the phone to review charges and say if they were mine. At the end of the call, I was advised they would send a list for my signature, and I would be able to review charges to ensure we caught them all. Next thing I heard was on XX/XX/XXXX, when Suntrust reversed an approximate {$2300.00} provisional credit they had applied since I had not responded. I went to my local SunTrust and completed the form on XX/XX/XXXX and discovered over {$7000.00} worth of fraud had occurred. And, most were quite obvious, as they were happening in XXXX Ohio, and I live in XXXX XXXX. I then had the SunTrust representative fax it to the fraud department. I have the fax receipt. 

To begin, the reversal of the initial provisional credit occurred prior to the 60 days allowed to report fraud. I have also not been given a provisional credit for the {$7000.00} within 10 days as mandated. 

Numerous calls and faxes and nothing has happened. I just want this resolved.

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 2019-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. I have previously provided each of my creditors and each of the three Credit Bureaus, Equifax, XXXX  and XXXX XXXX with certified legal documents from the Superior Court of Jurisdiction validating the name, the legal spelling and hyphenated middle names. 

Each of the three credit bureaus continue to list my name incorrectly. I want my name listed accurately and correctly on my credit reports. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ACCT # XXXX This item was paid through their 3rd party collector XXXX. The confirmation number for this payment/settlement is XXXX. 

They have yet to cease collection efforts and still list these tradelines on XXXX, XXXX  and XXXX. This is despite statements from them at the time of payment that collections would cease and that the tradelines would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ). plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will for litigation due to the stress you caused 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 2023-06-07
Company: Westlake Services, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On XX/XX/23 I purchased a vehicle that I finance through Westlake Financial. I placed {$10000.00} cash as a down payment and signed lending paperwork to payback the loan at {$830.00} starting XX/XX/23. I called Westlake Financial on XX/XX/23 to pay my loan payment and they said my account does not exist. The verification department stated that the loan was revoked as of XX/XX/23. I asked for documentation to support their claims and Westlake Financial 's Customer Service Department and Verification Department refused to furnish any information regarding the state of my loan account. I asked to speak with someone in management several times. I was declined, saying that if I don't have an open account, I can not speak with anyone. Westlake Financial also withheld my tags for over a month preventing me from working as my loan was for a work vehicle. I have missed out on over {$25000.00} worth of work because they refused to send me my temporary plates and registration unless I paid for it 2 times. The registration and tags were finally sent on XX/XX/23 after Westlake Financial charged me an additional {$150.00} for my registration and tags that I had previously paid. They are now trying to get me to finance the same vehicle that I have had a loan on for over a month, again at a higher finance charge and omit any payments I have already made, implyiong this is the only way I will get my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Spring Oaks Capital, LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received numerous calls from Spring Oaks Capital over the past two years for a debt they have reported to my credit. In an attempt to get the credit reporting removed, I have made several attempts to settle this matter. Spring Oaks has repeatedly offered one settlement amount and when I attempt to pay they increase the amount due by {$700.00} or more. These tactics are not legal. I have already paid over {$1500.00} to Spring Oaks and I am taking steps to get this illegal reporting removed and do not and have never given Spring Oaks permission to access my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: AL
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 investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX : XXXX. XXXX XXXX. 
Account Number : XXXX Account Name : XXXX and Associates Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Bank Account XXXX Account Name : XXXX XXXX XXXX. 
Account XXXX Account XXXX : XXXX first XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
A year after I graduated, I was allowed to take out a tuition answer loan through Sallie Mae citing my boyfriend as the person who was enrolled. I believe I was unfairly and fraudulently targeted, not understanding that this loan was unaffordable and unnecessary. Additionally, all tuition was paid in full for the year yet I was allowed to take out this loan not being educated or explained the future ramifications of having this loan and making {$12.00} an hour out of college.

Company response to consumer: Closed with explanation