BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
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:
The following accounts were opened up fraudulently and I'm demanding the immediate removal of these unauthorized and unknown accounts, please remove and block the following 1. XXXX   {$4700.00} 2. XXXX XXXX {$0.00} 3. XXXX XXXX {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently bank with USAA and have a credit card with them. Without notification or request for authorization, in the min amount due section of the website, stopped letting me know what my min amount is due to avoid interest charges. I usually make extra payments anyway but stopped once I saw {$0.00} in the min amount due, gave me the impression to only make regular payments. I started seeing interest charges of $ 40-60 even though my balance was XXXX. I brought it up to the company XX/XX/XXXX of 2017 and was told my account will be fixed. Today I see interest charges again of {$48.00}, after addressing it with the rep, was told that the feature ca n't be removed and that I could find the min amount due in my statement that 's mailed each month. So basically the min amount due is n't listed in the min amount due section of my account, this is a trick to get users thinking they do n't have a min amount due so they can charge them interest. I have documentation of today 's discussion with the rep if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I previously reported as well notified XXXX XXXX of errors on my report and supplied them with documentation letters court orders vas well updated my consumer statement Registered Letter XXXX XXXX XXXX XXXX XXXX XXXX asking them to remove XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$4500.00} and XXXX XXXX I supplied them with Divorce Degree as well notified them that XXXX XXXX is reporting in error and there Contact on profile not to be valid as well attached returns email on bad contact I also asked for a full updated report with new address as well to remove inqireiers dating over 2 years to date XX/XX/2022 my record reflects the same as well that have not got me my updated report and or remove dispute dating of 30n days XXXX is acting in bad faith and not following Federal guide lines

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with Wells Fargo back in XX/XX/XXXX. They sent me a copy of the satisfaction letter at that time which also goes to XXXX XXXX to show that the mortgage has been satisfied. Wells Fargo sent this information for a property in Minnesota. I found this out while trying to close on the sale of my home back in XX/XX/XXXX. In order to close on the sale, I had to leave money in escrow with the Title company until this gets cleared up. Wells Fargo has been giving us the run-around with no responses, wrong responses. They sent the wrong response twice to XXXX XXXX. I can not seem to get them to understand the gravity of the situation and their lack of timely/correct information is now jeopardizing my ability to close of my new home since my money is tied up in escrow. 
Help please!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: EQUIFAX, INC.
State: OH
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 sent a dispute letter to all the credit agencies wanting to receive proof of ORIGINAL documentation of accounts on my credit report and they have to yet do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I previously reported as well notified Trans Union of errors on my report and supplied them with documentation letters court orders vas well updated my consumer statement Registered Letter XXXX XXXX XXXX XXXX XXXX XXXX asking them to remove XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$4500.00} and XXXX XXXX I supplied them with Divorce Degree as well notified them that XXXX XXXX is reporting in error and there Contact on profile not to be valid as well attached returns email on bad contact I also asked for a full updated report with new address as well to remove inqireiers dating over 2 years to date XX/XX/2022 my record reflects the same as well that have not got me my updated report and or remove dispute dating of 30n days TransUnion is acting in bad faith and not following Federal guide lines

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 2018-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND THIS ACCOUNT WAS DISCHARGE UNDER MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. THIS ACCOUNT IS NOT REPORTING CORRECTLY ON MY XXXX CREDIT REPORT AND I HAVE DISPUTED THIS WITH XXXX AND CAPITAL ONE AUTO FINANCE MANY TIMES. I AM NOT ASKING THEM TO REMOVE THE ACCOUNT SINCE IT PART OF MY BANKRUPTCY SINCE IT NOT DUE TO COME OFF MY CREDIT REPORT UNTIL XXXX OF XXXX. THIS ACCOUNT NEEDS TO BE UPDATE CORRECTLY ON MY CREDIT REPORT. FOR EXAMPLE THE PAYMENT HISTORY GUIDE ON THIS ACCOUNT IS ALSO PART OF MY XXXX  XXXX BANKRUPYCY AND IT NEEDS TO BE UPDATE AS PART OF MY DISCHARGE XXXX  XXXX BANKRUPCY. THE PAYMENT HISTORY ON THIS ACCOUNT SHOULD NOT BE SHOWING ON MY XXXX CREDIT REPORT. MY LATE PAYMENT AND MY CHARGE OFF ARE PART OF MY BANKRUPTCY WHICH IS INCLUDED IN MY BANKRUPTCY AND IT NEEDS TO BE UPDATED CORRECTLY. SECOND THE TERM 72 MONTH IS ALSO INCORRECTLY IT SHOULD BE SHOWING XXXX SINCE THIS ACCOUNT IS DISCHARGE AND THAT PART OFF MY CREDIT REPORT NEEDS TO BE UPDATED CORRECTLY. CAPITAL ONE AUTO FINANCE AND XXXX ARE NOT REPORTING THIS DISCHARGE ACCOUNT CORRECTLY ON MY XXXX CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection appeared in my credit report out of the blue as of XXXX XXXX. There has never been any correspondence between this company and I, no records of any emails or phone calls regarding this collection. If it was a very old dept, why now after so many years. I require this fraudulent company to PRODUCE any documents or contract with their name on it next to my signature. I do not have any recollection of contraction with such company. Please get them to remove their dirty paws out of my pocket. Thanks. 

Here is the company name and details below this line -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Amount {$580.00} (

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX 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 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 2018-09-28
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2018 I got a notice from Experian that my Credit Score had changed. I logged in to see what had changed and why. My Credit Score had dropped with no explanation for a drop. No late payments, no credit inquiries, no new or closed accounts, no changed status to any accounts ... I could see no reason for the drop. At that time they showed my new dropped Credit Score at XXXX. Experian advertised " Credit Matched '' credit card offers matched specifically to my credit. I thought that if I qualified for a bank credit card that seemed acceptable it would help my credit score according to Experian, as not having a Bank Issued Credit Card lowers my overall score. So, since they have " Credit Matched '' offers specific to my credit, I can't really lose. I found a Credit Card offer that was offered by Experian specific to my Credit from XXXX XXXX for the XXXX XXXX XXXX XXXX. I applied. I was turned down. When I got the letter of explanation from XXXX XXXX they state that Experian submitted my credit score showing it as XXXX. Why is Experian showing me a score of XXXX and showing others my score is 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 2015-04-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Monthly fees of {$15.00} were taken out of my checking account starting in XX/XX/XXXX through XX/XX/XXXX without my knowledge. Bank 's explanation was these fees accrued because a minimum balance was not maintained. 
I informed Citizen that I 've had a checking account for over XXXX years and I was never told there was a minimum balance requirement. I was told the reason was, I had an additional mortgage account and because of that, the minimum balance was n't a requirement. After my mortgage was paid off, I had to keep a minimum balance in my account. 
My concern is that I was never notified of this, nor told that once my mortgage was paid off I was required to maintain a minimum balance. I was also told I signed up for electronic monthly statement and this is not correct either. 
I am respectfully requesting that all my funds which were taken out for fees, be replaced in my checking account. Fee amounts total approximately {$180.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
mailed to XXXXequifax/XXXX and I asked for a verify/and or validate this alleged debt owed to XXXX XXXX also requested the contract and signature that I provided to XXXX XXXX  ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$1500.00} - Original Creditor : XXXX XXXX, Currently Held By : XXXX XXXX XXXX XXXX, Opened ON:XXXX - Joint Account. The lease was not supposed to be under my name, I was staying with a friend for a month and had to fill out paperwork stating that I would be there for a month. When I contacted the company I was informed that the most that could be done was take it off my credit if I paid half the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Navient Solutions, LLC.
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:
Early this year there was a mix-up with my mailing address that is still affecting my credit score. After making payments for what I assumed was interest to avoid capitalization, my correspondence from Navient began inexplicably being sent to an address that was over a decade old, and I received neither emails nor phone calls that notified me of the change. Again, I had been receiving correspondence and even made payments from my current address at which I 've been since I purchased it in XXXX. It was only until seeing a major dip in my credit score that I was even aware there was a problem. After speaking to one of Navient 's representatives to see why they 'd reported me as delinquent, XXXX, and later a manager, XXXX, we were able to get the situation cleared up. They acknowledged that correspondence had been sent to several old addresses and were unable to determine precisely why. They claimed that they had tried to contact me but I can attest to the fact that I received no contact. My current address and phone number were confirmed and my account was made current and placed into deferment until my next payment which was due XXXX/XXXX/XXXX. Unfortunately, my credit score is still showing me as having delinquent payments, even though I didnt receive any bills, correspondence, or contact of any kind from Navient after the payment made in XXXX XXXX ( again, made under the impression that it was another interest payment to prevent it from being capitalized since I had n't received anything that indicated that my loan had moved from a deferment to a repayment status ). 

Ive filed a dispute with the credit agency ( XXXX ) already and did the same with Navient. I asked Navient to send me a written confirmation that my bills were being sent to the wrong address so the credit agency could complete their investigation and repair my credit score. Failing that, I asked that they provide an updated report that reflects the fact that my account was current, no payment was due until XXXX/XXXX/XXXX, and I was therefore not a delinquent borrower. I provided all this information to Navient in the form of a letter, along with a copy of my credit report. Also included was a copy of a billing statement dated XXXX/XXXX/XXXX which reflected no past due balance and no payment due until XXXX/XXXX/XXXX. 

Navient has refused to remove the delinquency or provide the information I requested so I can try to get the matter resolved through XXXX. Because my Federal loans count as 13 separate accounts, this has had a MAJOR impact on my credit score. My payment history for this and all other lenders is otherwise flawless and it is n't fair that a mistake made by Navient can have so much impact on an otherwise perfect history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ive been having issues getting payments through to Navient for about 3 years now. Theyve given me inaccurate and inconsistent information time and time again. Not to mention the wait time Ive endured just to even speak to a representative. On numerous occasions Ive dealt with representatives who were irate and had really bad attitudes with me, about MY loans. Ive been threaten before by a representive stating that theyre going to come after my mom. Theyve made threats of ruining my credit so I wont be able to purchase a house some day. The straw that broke the camels back for me was a recent occasion. I called and spoke with two different representatives, one telling me theyll need a payment from me for x amount at an x interest rate. The representive got an attitude after I asked questions about MY loans. She puts me on hold for five minutes. Afterwards, I heard her pick up the line, then she literally hangs up the phone in my face! I call back and again, I have to wait another hour before I speak with someone. A guy answers the phone and I explain to him what happens and that I want to file a complaint against the last representative. He seemed sympathetic. After about 5 minutes into the conversation he began to go over the same thing the last representative went over with me. This time he pulls up the previous representative notes and now hes telling me I will be charged a y amount at y interest rate. Both the interest rate and amount to pay increased drastically within an hour. I told him that the last representative mustve put some things in her notes to make things worst for me because she was at odds with me after me questioning her. Then he began to tell me, sir, Im going to charge you y amount now at y interest rate and there is nothing you can do. Now Im wondering how did things change so quickly, so I asked him. Sir, how did the rate of my loan change so drastically since my last phone call with the last representative, he rambled on and on about what he can only allow me to pay back. I then realized that he wasnt giving me an answer so I declined to discuss anything further and now Im here. Ive been experiencing issues with Navient for too long now and I want answers. Because, I feel as though theyre trying to keep me in a trap, so I can never be financially freed from them. Please please please help me receive some understanding. If there is any more information that I can provide Ill be more than willing to work with whomever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TMX Finance LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was a few days late on a title loan from XXXX XXXX, as i was backing out a XXXX XXXX in XXXX XXXX when a repo truck blocked me in lift my car up then told me to get out or they would pull me out.

I responded you can't block me in an restrict my movement that is holding me against my will and it's called false imprisonment. As i was still in the vehicle the driver began driving off with me in the car. They drove about 15 feet then stopped, i told them i alerted the police an that this was actually a kidnapping. One of the repo men said XXXX XXXX told us take your car an please call the cops back an tell them everything is fine. They first blocked me endangering my life and others then threatened to pull me out the car and after that drove off with me in the vehicle. California law states any unwanted movement of a person more than 3 feet i believe is kidnapping.

Company response to consumer: Closed with explanation