BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At  the end of paying off the loan they will not report the loan was paid in full {$26000.00}. I want it reported to XXXX, XXXX and experian that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be 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 2018-11-18
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: Information is missing that should be on the report

Complaint:
I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At the end of paying off the loan they will not report the loan was paid  in full {$26000.00}. I want it reported to XXXX, equifax and XXXX that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Credit Karma, LLC
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 information incorrect

Complaint:
XXXX  continues to report a balance for assurance even after Ive shown documentation of a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been trying to negotiate a settlement with Navient to be removed as a cosignor. They continue to call me on my cell. They have found my direct phone number at work, and have actually gone as far as contacting my youngest daughter on her personal cell phone, who is not involved in any way shape or form with this loan. 
I am clearly being harassed!!!! 
I have clearly stated to them on multiple occasions to not call me, as I will never make another payment on my EX STEP DAUGHTERS loan. 
I have told them to mail everything, and please ... ... by all means ... ..take me to court. 
They just continue to call and harass and threaten me. 
Unless they are willing to negotiate a settlement, without asking for all of my private information, I will gladly meet them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a fraud deposit of {$2600.00}, then a fraud wire withdrawal of {$2400.00}. 
However, when I contacted the fraud department, they took the fraud wire credit back and left me with a negative balance!!!! I never wanted to open a savings account with AMERICA FIRST CREDIT UNION. I only have an auto loan and savings account with {$1.00}. Now I have a fraud savings with - {$2400.00} XX/XX/2023 FRAUD ADJUSTMENT - {$2600.00} - {$2400.00} XX/XX/2023 XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$2400.00} {$210.00} XX/XX/2023 ONLINE BANKING SHARE TRANSFER FROM SHARE ACCOUNT : XXXX XXXX XXXX XXXX {$2600.00} {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Adler Wallach & Associates, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I notice that this company is on my credit report. I never received any outstanding bills, any notices from this company no information about this collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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 my identity theft information and they disregarded my claim.

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2018, I wrote TransUnion about an account that is improperly and inaccurate and with old information. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from TransUnion, a few days later I received the letter back because it was undeliverable. 
TransUnion is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my TransUnion Credit Report inaccurately. 

2. Given that the furnisher ( XXXX XXXX  ) has provided false information to TransUnion about me, and provided TransUnion with a false address, I am demanding that the item ( XXXX XXXX  ) they are reporting be removed 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 2017-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This issue with Bank of America and XXXX. 

On XX/XX/XXXX and XX/XX/XXXX transactions were made in error via XXXX to the wrong person. 

BOA and XXXX were contacted on XX/XX/XXXX about the error. Both pointed at each other about how to resolve. On XX/XX/XXXXspoke with an agent in the Move Money Dept of Bank of America. Who provided me a claim # and stated it would take 10 days to investigate. On multiple occasions, I have contacted the bank of the error and no one has a process to rectified a human error. I received confirmation today that they are closing the claim and not issuing my funds back into my account. I have email confirmation that this was done in error.

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 2018-11-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX, attorney for the law firm Weltman , Weinberg & Reis Co., L.P.A.disregards federal bankruptcy law and states that a consumers wife 's medical debt due to XXXX is questionable or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: LEXISNEXIS
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm really not sure what is being charged on my credit but I know for sure I don't owe anything!! I've been trying to fix this and all I get is put on hold for hours ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all file to the ftc violations that occurred

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 2018-11-18
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
On, XX/XX/2018 I sent a letter disputing an account for XXXX XXXX XXXX in regards to the amount being reported incorrectly for one report as {$33000.00} & another {$36000.00}, as well as being charged off/collections. During this time XXXX failed to report my account was being reported, the letter was mailed on the XXXX of XXXX certified, signed for on the XXXX of XXXX, and a response was sent and received on XXXX.2018. I pulled all 3 credit reports for the next 60 days and a dispute was never recorded on my account. Per the FCRA & FDCPA a notice of dispute is to placed on any account disputed within 31days and XXXX XXXX XXXX violated these federal laws. No response was ever received after sending the letter requesting for this item to be removed due to these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: National Credit Services, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The loan was put in default by error. We were contacted about payment and put the loan in forbearance due to a financial hardship. However, the people we were contacted by was not the actual loan servicer, but a scam company masking as our loan servicer.

Now the result has placed the loan in default, which should not be because the original loan payments should no t be due until completion of college. Also, a semester was just completed from XX/XX/2018-XX/XX/2018. The student is still actively attending school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: FIRST ADVANTAGE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A background check was done on me for employment and something is on the record that belongs to my father and not me, we have the exact same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: AMERICAN EXPRESS COMPANY
State: OH
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 rewards from credit card

Complaint:
I responded to an American Express account opening bonus offer, wherein I was offered XXXX bonus points if I spent {$2000.00} on the credit card in first 3 months. I applied and was approved for this card in late XX/XX/2018. 
I spent more than {$2000.00} on the card by XX/XX/18. I contacted customer care via online chat on XX/XX/18, who confirmed that I had completed the requirements for the bonus, and that the bonus will be credited in 6-8 weeks after the requirements were completed. I contacted them again on XX/XX/18 as the bonus was never credited. I was then told that although I had completed the requirements, the system was not recognizing all the charges for some reason, and that they will have to conduct an investigation which may take 3 months. 
It has now been 3 months since fulfilling all the requirements for the bonus, and now I will need to wait another 3 months for this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, 60 days late as of XX/XX/XXXX, and another 30 days late on XX/XX/XXXXI am not sure how this happened. I believe I made my payments to you when I received my statements. My only  thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I pulled a hard copy of my credit report and noticed a negative account that I had never seen before. 

That same day XX/XX/2018 I reached out to the company via certified mail and asked them to validate the alleged debt. 

It has been well over 30 days and I have yet to receive a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX/XXXX/16 a XXXX XXXX refund check was credited to my Citicard account in the amount of approx {$7400.00}. This was because our planned cruise had to be canceled I request that a check for the refund be mailed to me on or about XXXX/XXXX/16 I was told that the check would be sent within 5-7 days It is now XXXX/XXXX/16 and I have not yet received my check. My account balance shows a - {$7000.00} balance so I know check has not been issued

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 2017-11-16
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I just received a notice in the mail ( XXXX-17 ) that my Chase credit card 's terms are changing. Specifically my interest rate is being increased from a moderate, but not entirely unreasonable ~10.9 % APR to 15.75 % APR. They did not provide what I consider to be a valid reason for the change. This was not based upon missing payments, nor upon credit history, or any other of what I would consider to be " reasonable '' justifications. 

Their sole justification effectively boiled down to " we 're not charging you a high enough interest rate, so we 're increasing your rate by ~50 %. '' In the more 'legalese ' verbiage of the notice, the only justification for this outrageous increase is " ... because your APRs are below the lowest APRs we currently offer on similar accounts. '' To me, this is simply them saying, " we 're not over-charging you to the same extent we 've managed to over-charge everyone else through our methodical long-term upward APR creep, so, we 're simply adding an extra 50 % to your APR, welcome to the club. '' Sure, they say that you can " reject the change, '' but if you do so, the only recourse listed is to " notify them in writing and then stop using and close the account. '' To me this is quite unacceptable. I 've had this account for years. Probably a decade even. They inherited it from Washington Mutual. And, up until now, they have never seemingly had a single problem with my account resting at 10 %, and taking their pound of flesh, so-to-speak. So, why, all of a sudden is a rate closer to what I would call a " penalty interest rate '' apparently the " lowest they 're willing to go ''? 

In my opinion, an un-telegraphed 50 % increase in APR, with no justification other than " we want more money, '' is simply nonsensical. 

And, for reference, my card at a competing " too big to fail '' institution is only 8.90 %, and has been equally stable for approximately a decade. Chase has always charged a higher rate with a lower spending cap than the equivalent larger cap and lower interest rate. Now, they seem intent to charge DOUBLE what I 'm paying at the other institution. To me that says, it 's not me that 's the problem, it 's them. Pure and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, 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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. This item is fraudulent. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions 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 status incorrect

Complaint:
Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that XXXX XXXX reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that XXXX XXXX place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.

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 2018-11-18
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hunter and Warfield are trying to collect on an invalid debt from XXXX XXXX. XXXX XXXX was paid in Full. I have submitted a separate complaint about XXXX XXXX and the incorrect balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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: Investigation took more than 30 days

Complaint:
Several letters have been sent to XXXX XXXX ( XXXX ) asking them to verify the inquiry that was placed on my credit back on XX/XX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
XXXX XXXX ( XXXX ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. XXXX XXXX response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to 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