BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: SUNTRUST BANKS, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had my vehicle repossessed after losing my job with a remaining balance of {$8500.00} in 2015. Within a weeks time I reclaimed the vehicle and paid all fines associated with reclaiming the vehicle. I continued to pay the vehicle at the minimum payment of {$180.00} up to double to amount, {$400.00}, due per month. The vehicle is paid off and still shows on my credit report with inaccurate information. I attempted to call the bank but only get shuffled around departments and never to anyone who can assist with the issue. I have had multiple people tell me the bank does n't hold the account but yet it is reported as such on my credit. Not only has my XXXX credit report failed to change but I have also not received my lean release.

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 2021-03-24
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I suffered a total loss on a vehicle. TD Auto told me my balance once my primary insurance paid them would be covered by GAP. I asked if I needed to do anything else and was told no. Only to find out somehow the GAP was denied and now my credit report is showing Im delinquent for a year on a car that at the start of that year was not a factor because it had been totaled out and paid by insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The company MoneyLion closed my checking account without notice or any emails notification! and told me I would have to contact the originator of the funds, MoneyLion doesnt give me any more information about if and when the funds will be released to the originator or myself!!! There is currently {$5800.00} on hold!! when I speak to the originator they act clueless to the situation!! I feel like MoneyLion is scamming me and I want justice for the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2022-10-14
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was inappropriately assessed a total charge of {$46.00} by Intellius.com on my XXXX credit card account # XXXX for service I did not receive, which is still outstanding, despite my writing XXXX 's XXXX at XXXX XXXX, XXXX, KYXXXX on XX/XX/XXXX. I told him/her if they can't rectify the charge and credit m {$46.00}, Cancel My Credit Card XXXX. Note : I always pay my balance upon receipt, except the XXXX charge of {$46.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX 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 monetary relief
Consumer complaint received 2019-07-12
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For several months I have tried to fix my bill with XXXX XXXX XXXX I would call their 800 number and they would keep me on hold and constantly hang up the phone. I disputed the bill they sent me and waited for a new one which I never got. I also received a letter from them stating that they would cut it in half which I also sent to them and they did not honor what they wrote so I contacted their head office and send them the letter I was also told that one of the phones was free they never took it off the bill as well as the activations and half of specials was not on the bill after several months of waiting. I never got a bill after contacting the head office and sent them all documentation. As of today 's date I never got the final bill that was suppose to be half off and then 800 off the phone. I do not owe the amount of {$3700.00} as stated in the collection notice from Sequium Asset Solutions LLC the consumer has letters where XXXX XXXX XXXX promised to cut bill in half and as of today 's date that has not happened nor the {$800.00} credit nor the activation specials taken off of bill. During the time I had the phone it was constantly having to search for wi-fi even after they told me I had unlimited data. If I have unlimited why is the unlimited never working? I would call about this for I constantly required the use of WI-FI from other carriers after having to be billed full price for services not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$2100.00} XXXX XXXX XXXX / XXXX / {$9400.00} XXXX XXXX XXXX / XXXX / {$5800.00} XXXX XXXX / XXXX / {$7500.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2018-01-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
OnXX/XX/XXXX untiXX/XX/XXXX my student loans were placed in deferrment without my permission. I was completing my dissertation at XXXX XXXX University but was still able to work full time and make my payments. I had automatic account deduction set up so I had no idea that my payment was not being made. 
When I found out my loans were in deferrment, I called and asked the servicer to remove the deferrment and to never do that to me again. Little did I know that the deferrment had gone on so long and I had accrued over XXXX in interest during my deferrment. 

Now, unless I make a lump sum payment of over 8000 dollars, none of my payment will go toward the principal amount because all payments from now for the rest of the year will strictly go toward accrued interest and new interest before being applied to principal. This is not fair. 
1. Complaint, policy that allows any company to put your loan in deferrment without specific permission from the borrower. 
2. Complaint, the ability to apply all my payment toward interest of interest before any principal can be touched makes it impossible to get out of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have new information pertaining to my complaint I submitted to TransUnion. I sent a complaint on XX/XX/2022. On XX/XX/2022, they responded. They did not give me the proper response once again because they said they need more time to investigate, up to 60 days. I already told them that this is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response. TransUnion is willfully being non-compliant with federal law.

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 2022-02-05
Company: Persolve, LLC - Legal - Series 2
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX I was billed by the XXXX XXXX XXXX XXXX New Jersey. i was charged and contacted for the amount of {$680.00} collection has contacted and informed me of my billing this charge also shows on my credit report. I am contacting you to rectify this billing issue in hopes they are paid and I am not billed which then will ultimately be removed from my credit history. 

I was billed by XXXXXXXX XXXX XXXX XXXX  by XXXX XXXX XXXX for the amount of {$460.00} which also was sent to collection. the date of service was XX/XX/2020 please help me rectify these two amounts in hopes I could have these two concerns removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed multiple inquiries on my report that I dont recognize

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 2017-07-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
About a month ago I submitted a complaint to the CFPB regarding XXXX XXXX and Navient, and their response was a stock answer which looked a lot like the annual disclosures that are sent. The original loan was opened in XX/XX/XXXX, I graduated in XX/XX/XXXX. 19 years later my balance is still roughly the same. I have called Navient many times to try and get to the bottom of this as there have been easily over 10 years that I have made payments, at one point the payments were over {$120.00} a month and that was well over a years worth of payments. Navient is now the servicer on XXXX XXXX loans which means I cant get any type of payment history or balance history from when the loan was with XXXX XXXX which was with them for over 10 years and I paid them on a monthly basis for years. I need a balance from day 1 in XX/XX/XXXX when I started college, with all payments and interest included but I have never been able to receive such documentation. I am a good record keeper but this is 20 years in the making. Like my previous complaint stated no way should my balance be what it is so I put the loan in forbearance because i am not paying anymore towards it until I have an accurate balance showing all payments and interest. Why is it so difficult to pull a previous payment history? Also how do I learn more about student loan forgiveness as I do have a XXXX. Submitting this thru the CFPB is a way of having a 3rd party monitor the correspondence between myself and XXXX XXXX and Navient as I have gotten no where trying to get answers on my own. The balance is currently around {$6700.00} which is about what the original balance was 20 years ago. Its just common sense that the balance should n't be anywhere near that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed multiple inquiries on my report that I dont recognize

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 2022-02-05
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:
I submitted a complaint to Experian on XX/XX/2022 pertaining to a issue about inaccurate balances reporting on my consumer report. They responded on XX/XX/2022. They stated that they started a reinvestigation and started to contact the furnishers. I want to stress that they have to conduct their own investigation and not just wait on the furnishers to reply. They also claimed that the other balance I disputed is not on my consumer report. The two balances I disputed were with XXXX Bank and XXXX Bank. The balance with XXXX Bank is in fact on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made payments to my Capital One account in XX/XX/XXXX through my mobile app. The XX/XX/XXXX Bill ( statement ) had a due date of XX/XX/XXXX. The Card was paid on the XX/XX/XXXX and the XX/XX/XXXX. My credit reports that XX/XX/XXXX was late. I wanted it removed by going through Capital One and disputing it. Capital One has yet to resolve this matter and its been on ongoing struggle with them. This is the only blemish on my credit holding up my VA loan approval for my families first home. 

It appears that they probably misapplied one of my payments and are having a hard time fixing it. I have a letter dated XX/XX/XXXX which stated to please allow 15 days plus another 10 for mailing? That puts us at XX/XX/XXXX max to investigate and up to 10 days to mail. Should have received this by now, and a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from American Coradius International LLC, the number is XXXX.  They claimed they owned XXXX of my debt, the creditor is XXXX, XXXX.  I checked my XXXX account, there is a $XXXX balance, I've never carried a balance on XXXX, this is obviously a false claim by a crooked collection agency that somehow got my address through dubious tactics.They claimed their NY State License is XXXX.  I'm reporting them to you for investigation of fraudulent debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: NY
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:
I reviewed my credit report and realized I have 4 unauthorized credit inquiries. Equifax has been reporting address where I have never lived or been affiliated with before. Notified credit bureau immediately and was asked to reached out to creditors for verification. I sent a letter as well as identifying information to XXXX  and Equifax and nothing has been done to resolve the issue. It has been more than 30 days and no one is helping in resolving this matter as I am aware they are not to report inaccurate information on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Problem with personal statement of dispute

Complaint:
This is a student loan that my wife took from XXXX while attending college in XXXX. When we got divorced in XXXX of XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and XXXX tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.

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