BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I already filed a complaint on XXXX and they say they going to do a " 30 day investigation '' on my first complaint which I have been hearing this so many months. Today they wa n't me to get contact the creditors that got in contact with them and can be anybody but they don't care. Why because XXXX XXXX XXXX wrote them on XX/XX/2021 saying to them to delete 2 accounts and I have written XXXX with proof and you think they actually deleted it, nope its has been 6 months and they're still on my credit report just like others are. I had to go filed a complaint against XXXX XXXX XXXX which they really didn't do nothing because when I wrote them back in XXXX they couldn't provide me with anything. So I filed a complaint today because XXXX and Equifax still reporting something that couldn't validate in their office. XXXX compliant number is XXXX. I mean XXXX really was doing right about consumer than the consumer doesn't have to work so hard to get this off their credit because my attorney told me about this site which it will have paper trail. How many 30 days I have given you all to do right. XXXX XXXX and XXXX XXXX  are the same you can't do Double Jeopardy so I would like both to be deleted as well. Duplicating account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. XXXX is collecting on XXXX XXXX whomever that is and XXXX XXXX also collecting on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Navient Solutions, LLC.
State: FL
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:
I originally applied for a government school loan in XXXX, this loan since XXXX has been transferred to a private lender Sallie may to Navient. Even though this loan was back by the government I have no relief with the cares act. I can defer but still have to pay for interest, this is not fair and disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
HSBC advertized the following : " Deposit a minimum qualifying balance of {$10000.00} or more in new money in cobined checking and savings acounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. You will automatically receive the {$350.00} Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities ; It's that simple. '' I opened the account XX/XX/XXXX, and made the XXXX deposit on XX/XX/XXXX. The balance stayed at XXXX or more for longer than 90 days ( specifically through XX/XX/XXXX- ie, 98 days ). It has been 8 weeks since then, and I still have not received the bonus. 

Additionally, when I spoke with XXXX ( a phone representative on Thursday ) she also said the bonus should have been in my account last week, and that should would look into it, and call me back on Friday. She did not call me back, and she still has not reached out to me or resolved the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company inaccurately reported my account as delinquent despite it being consolidated over two months ago. The new account shows on my credit report in addition to this false report that I am delinquent. I tried calling the agency and informed them of the issue as this is an urgent matter and trying to close escrow. They said a supervisor will return my call but no one did. I asked them to update my credit reporting to the bureaus immediately as it was an administrative error. They have not updated it. I called several mire times to no avail. XXXX  XXXX university admitted an administrative error. They declined to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Reporting Agencies and Collection Agencies violated the 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 explanation
Consumer complaint received 2017-11-27
Company: Fay Servicing, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After 35 years of employment, my job was lost I filed chapter XXXX repayment plan and the mortgage company only reduced my mortgage {$27.00} monthly after giving my part time salary and the repayment which is XXXX monthly. They refuse to offer me nothing but foreclosure. I have lived in my house for 15 years and asking for temporary assistance and they refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: LA
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:
My ex-wife and I entered into a mortgage in XXXX, with XXXX XXXX XXXX to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with XXXX XXXX since the time of my divorce in XXXX or XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to XXXX. I called XXXX back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with XXXX which I did. A copy of my letter to XXXX XXXX XXXX dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing XXXX XXXX from my credit report is greatly appreciated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted this company XXXX XXXX several times in attempt to complain about sales lady I am XXXX and XXXX I believe the lady knew it and took full advantage of me. She opened a credit card with a XXXX limit then said i needed to buy more stuff without having a parent who takes care of me there I was sold into XXXX worth of merchandise including mens XXXX XXXX sunglasses perfume a wallet and gym pants. When i returned to the store to return them after I had took my medicine they would not let me return the items. I am now having and looking into bankruptcy. I was only making XXXX on XXXX XXXX a year and they qualified me for XXXX limit more than I make in a month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: REGIONS FINANCIAL CORPORATION
State: IN
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:
At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX. 

For my line of credit with Regions Bank, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used Regions own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, Regions reported me as late even though the reason is Covid, and my credit score dropped significantly. Regions tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, Regions does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. Regions ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from Regions to be corrected.

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 2021-09-13
Company: EQUIFAX, INC.
State: CA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: MA
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 have a credit card with XXXX XXXX Credit Card ( XXXX XXXX ). I have been making regular payments on my card and I have the payment history to prove all my payments posted. The bank is reporting my account late but I was not late. I called the bank and I spoke to a representative who told me that I had a returned payment. I checked with my checking account and they didn't attempt at withdrawing the payment. The representative said I contacted them and expressed that I did not authorize the payment, and that's why it was returned. This is completely false. I never unauthorized a payment. They never notified me of the " returned payment '' as well. The bank reported to my credit report 60 days late. I disputed it with Experian and it was changed to a 30 day late. The investigation and bank are giving me inconsistent information and it's completely fraudulent how they are destroying my credit. I asked for proof of how and when I contacted them to " deauthorize '' payment but I was told they don't have that information available. I was told the late fee that they charged to my account because of this mysterious returned payment was credited back to my account. The fact that they credited an erroneous late fee but refuse to fix the information they provide to the credit bureaus is proof in itself that this bank is fraudulent. This bank is unfairly ruining my credit that I am working so hard to rebuild. Attached to this complaint is my account payment history that shows I indeed made payments yet they tell me it was returned. I don't think they ever attempted to debit my payment and I'm paying the price for their negligence and destructive business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX a complaint was filed with Consumer Financial Protection Bureau with XXXX XXXX XXXX XXXX disputing the information that is being provided to all 3 credit reporting agencies concerning a previous auto loan, account # XXXX In that complaint I requested that XXXX  remove the negative info reporting that my account went 60-90 days past due. My payments with XXXX were due on the XX/XX/XXXX of  each Month and a late fee would apply only if payment were not received on or before the XX/XX/XXXX of the following month. 

XXXX  further stated in their response to my original complaint that the delinquency was reported due to " no payment being received in XX/XX/XXXXor XX/XX/XXXXwhen in fact a payment was posted on XX/XX/XXXX for {$360.00}, and the XX/XX/XXXXpayment was posted on 08/26/2019 well within my 30 day grace period. Payment schedule to follow. 

There has been a 2nd complaint ( XXXX due to the fact that I have called XXXX XXXX, faxed them and sent an email and this issue has still not been resolved. 

The Fair Credit Reporting Acts state that a creditor must report accurate and complete information to all available reporting agencies! My rights are being violated due to XXXX XXXX refusal to treat this matter as urgent and to correct the errors they are reporting Enclosed you will see that not only is XXXX XXXX reporting inaccurate info, they are not even providing consistent info to the 3 reporting agencies! 

Please also review the account summary of payment history from XXXX XXXX where it clearly shows a payment on XX/XX/XXXX, XX/XX/XXXX and the very last payment which PAID OFF my loan on XX/XX/XXXX. You can also view where XXXX credited my account which were $ XXXXeach, on XX/XX/XXXX for ( {$35.00}. ), yet XXXX reported to Equifax that payment was 60-90 late! 

I need this information updated as sson as possible to ensure my appliaction for a mortgage will make it through underwriting so please understand the urgency inwhich I am writing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: SUN LOAN COMPANY INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple debt collection calls from the company " Sun Loan '' in XXXX XXXX, Texas. The company is calling to contact me about my sibling, who owes a debt that I have no knowledge of. I don't know what it's for, how much is owed, or why the company is calling me. I have not lived in Texas for close to ten years, as I am in the military. I have personally spoken with a female employee at the company twice, and asked to not be contacted anymore, as I'm not in close contact with the sibling. The employee was polite during all contact with me, but did not respect my request to not be contacted further. I blocked the number after they continued to call me. Today I saw that I could view calls from blocked numbers, and found that they have continued to contact me on nearly a weekly basis about this debt. I am worried that they will just start calling from another number once I haven't responded for a while.

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 2018-03-20
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since GM Financial switched payment systems and companies they have failed to process payments. 
I have spent HOURS calling them trying to get my payments posted. Every month I spend more time researching my account, payments, calling them, following up, getting proof of payment and all but BEGGING for them to post the payments. 
My account is in a constant 'overdue ' status when its paid via electronic check every month. 
I was assured last week the issue was resolved, yet again, they failed to apply my payment from Thursday XX/XX/XXXX. 
I've worked with XXXX XXXX however he's just a facilitator to an endless cycle. I've lost time at work, I've lost sleep, I've had XXXX over the countless hours spent in nearly THREE MONTHS of this mess.

If this is not resolved, I will have no choice but to seek relief through court. I don't know what else to do. 
Also, this is the second complaint I've filed with the CFPB, the first complaint was 'closed by the company ' reporting that they fixed this issue. Clearly that was a false statement. 
Please do not permit this complaint to be closed without my confirmation that they've actually cured the issue. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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 been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.

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 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity theft 2 years ago. I sent 3 certified letters to XXXX requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.

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 2018-03-20
Company: EQUIFAX, 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 been trying for months to get this company to remove it's inquire from my credit report. I did not request a credit card from them, they refuse to submit documentation of proof of an application from me, despite numerous letters sent asking for this proof so that it can be review. I have put alerts on my credit reports since the breach. I want proof from this company that an application was submitted to them, if so then I can use it as proof that my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Southwest Credit Systems, L.P.
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:
Im not sure why they will not take this off my report after i have sent in my proof this is not mine .... 


I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX XXXX representing Midland Credit Management pursued and obtained a judgment against me and my husband. This company has documentation showing my husband is currently serving on XXXX XXXX and they still pursued the judgment. This is in violation of the XXXX. I was not able to obtain employment after our last change of duty station and that is why the account fell behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CCS Financial Services, Inc.
State: PA
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:
These accounts are erroneous. I do not recall said accounts and have made steps to try and get this issue repaired by all reporters. I have a right to fair credit reporting and to dispute anything that is incorrect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation