BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter in the mail on XX/XX/XXXX ( postmarked XX/XX/XXXX ) explaining that they have a claim about a car accident a couple years ago on me for about 12000 . I sent a letter on XX/XX/XXXX in response requesting more information so i could verify the debt was valid and how much of the total amount. They sent no response to the letter. I called the company i believe on XX/XX/XXXX to verify the letter was received and to request the information. They confirmed they had revived the letter. I was told that they did not need to respond to the letter because of HIPPA laws. So i was never sent any more information to verify the validity of the claim. He gave minimal information on the phone call about how much was property and what was medical. Did not say if the entire amount was what i owed or if it was only part of it. Then proceeded to tell me the options i had to pay it back. 50 % up front by XX/XX/XXXX ( check had to be received by XX/XX/XXXX ), or payment plans for 100 % over the next few years. I said i would look into it, which is when i called the CFPB to discuss the situation. I have attached a photo of their letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Navient Solutions, LLC.
State: CA
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:
While in strong disagreement with terms without a signed agreement, my professional consultants were able to locate part of the principal error. 

We worked with my bank to obtain past information. 
Sallie Mae cashier check, at their request, for {$1800.00} dated XX/XX/2004 is not showing as part of the payment history to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
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: Investigation took more than 30 days

Complaint:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: BARCLAYS BANK DELAWARE
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: Personal information incorrect

Complaint:
I have 4 address on my credit report that I have never lived at on my credit report with XXXX.Also the companys that are reporting these address also have collection accounts in my name as well as the incorrect spelling of my name and the wrong names.I have reached out the these companys with no resolution.

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 2020-10-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXX S.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Service Finance Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
We are paying 6.99 % interest. It is too high. I obtained a credit card to do a balance transfer. XXXX sent the balance transfer to them to pay off the loan. Service Finance rejected the payment and sent it back to XXXX. When I reached out to Service Finance they denied ever receiving the funds but then responded to me saying that the only electronic payments they accept are from a personal checking or savings account. They are purposely making it impossible to do the balance transfer so we have to keep paying the higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 i review my credit and notice the late payments in one of my capital one credit card in XXXX and XXXX account number XXXX, i believe i have made my payments to you on time, the only thing could happen is the statement did not get on time to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: MI
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 have sent 4 letters to Experian to update or remove inaccurate information from my credit profile, and they have not did their due diligence in this process, meaning they are getting results back in less than a week, I feel like they are just using the XXXX XXXX   and not letting a human read and do the work. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question, I have asked for this information several times with no results.

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 2017-08-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a loan through navient in 2015 XXXX university chose this lender without giving me the option or any information about interest rates or payment plans, and then informed me i would receive XXXX through navient and the remaining costs would be tacked onto my parents loans. 6 months later navient said I only had XXXX in loans through them and I owed XXXX XXXX. They are currently both in class action law suits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was trying to resolve all the errors on my credit report but the credit bureaus don't investigate about my case. I want to fix the inaccuracies because my credit score is getting lower.

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 2018-12-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Prestige Financial Services is incorrectly reporting the balance owed on my account on all three credit reports. The actual balance as of XX/XX/18 was {$8000.00}. I make payments biweekly and this balance will go down every month. Prestige needs to accurately report the balance owed monthly! It says on my credit reports that the last time they updated the balance owed was XX/XX/2018 and left it at XXXX obviously this is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Receivables Performance Management, LLC
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:
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : RVCL PER  MNG XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX has reported an account delinquency on a paid off account. I owe no balance on the account since XX/XX/18. They originally ove rcredited the account giving me a surplus balance which was intended for another credit card, same company. Both numbers were listed on the check and both payment slips were included to correctly identify the amounts. 
On XX/XX/18 I realized they had made a mistake and called to have it corrected. The XXXX XXXX employee backed out the payment and once again credited the incorrect account. On XX/XX/18 I owed nothing in XXXX they reported a 30 day overdue payment for the original amount {$57.00} plus XXXX in interest. I have had this happen with XXXX XXXX over a 13 year relationship a number of times and so am currently calling in my payments separately for each account but they charge additional fees for that. 
On XX/XX/18, I called and they rectified and backdated the payment to reflect ALL 3 errors on the part of XXXX XXXX,  and are sending me a letter with the specifics in the meantime I have a delinquency on my credit report and my score dropped about 20 points which could change my interest rates in other credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: SYNCHRONY FINANCIAL
State: FL
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 reviewing my credit and noticed a 30 day past due in my sync/XXXX account number XXXX in XX/XX/2012, i am not sure why this happened, i believe that i had made my payments to you on time, my only thought is that my statement did not get to me on time.

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 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 were removed off of my credit roughly a few months ago and once I checked my report days after around XX/XX/XXXX these inquiries were put back on my report with me not being notified from Transunion. 
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XXXX XX/XX/XXXX x2 XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX del XXXX everything else on there is incorrect

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 2018-04-24
Company: Mobiloans, LLC
State: FL
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 credit monitoring. I was alerted that there was a hard inquiry on my report XX/XX/2018. I checked the company out & dont recognize it. Nor have I applied for anything recently. I called them & they offer no help & can't tell me anything. I want to know who used my social to try & get a loan & i want the inquiry removed.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called USAA about their repeated mailings. They are interminably sending offers to my self and my wife for both insurance and credit card offers. I wanted to be taken off their marketing mailing lists. We do not have a relationship with USAA When I called them, their CSR stated that he could not help me because I " don't have an account number or profile number ''. 

Stating the obvious, I said I don't have either of those but I do have my address and the other info on the latest offer for a USAA XXXX card. He apologized for the inconvenience but couldn't help me. 

After asking to speak with someone up the food chain, he went off and, after some time, said the same thing : " Sorry, I can't help you without a profile or account number ''. 

That is ludicrous. I am in their database or I would not be calling. An account number comes AFTER I establish a relationship. Not before.

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 2018-02-28
Company: Turner Acceptance Corp.
State: IN
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 was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX reported that on XX/XX/2018, an inquiry to my credit file was made by : XXXX   XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, NJ XXXX This alert was conveyed to me by XXXX - through XXXX XXXX. 

Upon research, the XXXX XXXX XXXX ( XXXX ), which referred to the company as XXXX XXXX XXXX, had rated this company with an " F '' and indicated that there were 50 complaints against the business. Further research revealed numerous consumers documenting online at various website about multiple inquiries to their credit file by this company even though they had not applied for a mortgage.

I also did not apply for a mortgage on XX/XX/2018 nor have I had any business in the past with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
http : XXXX On top there's a link that mention XXXX being discriminated and where place on high end mortgages because they where XXXX. Feel that I was discriminated because I am XXXX and Wells Fargo took advantage of my background. Need you to check if all documents since we began our mortgage with Wells Fargo were handled correctly.

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 2018-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2016 who told sps to take my insurance claim check and apply it to the interest portion of our mortgage? Was it an accident, or who was the bank/lawyer that told them to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX del XXXX everything else on there is incorrect

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 2020-08-28
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED/XXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}

Company response to consumer: Closed with explanation