BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX First ( Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: E*TRADE BANK
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
E*Trade Bank does not record deposits of Federal Pension checks in a timely fashion as required by Federal Law. This happened today XXXX and now 3 electronic payments have failed due to insufficient funds along with the draft for my life insurance. The amount of the deposit which is {$5000.00} may show up later today and may not -- law requires them to post deposit no later than XXXX am the first work day of the month. This is not the first time this has happened and they do not care as they are a subsidiary of XXXX the most penalized bank in the history of the world. Please require them to post Federal retirees checks in a timely fashion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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:
XXXX XXXX XXXX XXXX is my primary bank. It has been my primary bank since XXXX. I have one current loan for the amount of XXXX. 

However, XXXX is showing a loan for the amount of XXXX from XXXX. It is showing negative on my credit report. I have never had a loan with XXXX for this amount. I made contact with XXXX and they have sent to all credit bureaus this information is incorrect. However, XXXX is reporting this on a current credit report and on XXXX 

I would like for XXXX  to verify all accounts with XXXX. I do not want them to use XXXX. This agency is reporting incorrect information on my credit report. They have information from XXXX which should not be reported at all.

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 2019-01-28
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
My previous gym keeps billing me on Discover Credit card. I didn`t use that gym for the last year. Yet they keep billing me the membership fees. I canceled it and I asked Discover card to stop paying them. They kept transferring money to them. I kept asking for dispute but still, it is not working. 
The amount is $ XXXX monthly. They started to bill me XX/XX/XXXX until XX/XX/XXXX. 
I stopped going to that gym in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: Navient Solutions, LLC.
State: AE
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 have worked for the XXXX XXXX XXXX for over 10 years while making payments with the intention of receiving the forgiveness under the Public Service Loan Forgiveness ( PSLF ). I have submitted my Employment Certification Form ( ECF ) over 3 times and received 3 different statements with 2 stating that I did not work for an agency that falls under the criteria. This has been debunked my HR team both times. Finally after proving to them that this was incorrect now they have turned down my ECF due to the following statement : NOT ELIGIBLE : based on our review, you do not have any eligible loan types. Under law the PSLF is only available for loans made under the XXXX XXXX XXXX ( Direct loans, which was my original loan type before it was sold to another borrower and now Navient ). I contacted them and they refused to change their answer. They sold my loan, changed the characterization of the loan ( probably for this reason ) and all while I had no agreement to this or did I sign a master promissory note. They now claim ZERO dollars apply to my loan forgiveness and I am getting a lawyer to take on the DOE. Please look into this as the customer service agent I spoke to said this was a common issue and she used the term " corrupt '' to describe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
After running my credit report at Experian I identified that there were multiple accounts that had been included in my bankruptcy chapter XXXX XXXX case number XXXX ) that have not been deleted off my report. The original creditor XXXX XXXX and the collection agency XXXX XXXX were both listed in line item XXXX. I have called the creditor as well as the collection agency and Experian to resolve this issue and have not been able to have the account noted as included in the bankruptcy and subsequently deleted.

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 2019-01-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was laid off and notified my lender that it would take 3 weeks before I got paid from my new job. My lenderw wellsfargo did work with me but my HOA would not. I had previous been in a loand modification and was able to catch up on my payments, but my HOA who I had problems with would not take any payments, but They did take funds from my lender wells fargo. I reached out to the lender for help a, I faxed over the documentation on th enotice of default from the HOA XXXX XXXX the collection company is XXXX  XXXX XXXX. 

WellsFargo still does not have a clue about the payment that was made on my behalf. I notified them in XXXX when I got my notice. It was filed on XX/XX/XXXX and the first 90 days ended XX/XX/XXXX. The problem is that Wells fargio is in second lien postion and I was advise to reach out to the lender, but they do not have a clue of what's going on and I'm getting research and no results. Time is of the essence and my contact from the office of the exective offfice is nice but still does not have a clue. 

I was advised by an attorney to reach out to my lender and I have with very little to no help. The property will be foreclosed on within a very short period of time. Once I find the sale date, if I'm not helped by the lender, I will take my mortgage money and protect my property since they are not. This is horrible way to do do business. My account is XXXX my representative is XXXX XXXX, XXXX ext XXXX. This is bad business the lender is willing to allow their lien position to be compromised to second position instead of doing what it take too help provide a resolution. It shows a lack of understanding.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: VA
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 believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with my credit file.

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 2020-06-24
Company: EQUIFAX, INC.
State: VA
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 believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
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 have a loan with XXXX XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX with no successful resolution. XXXX  and Equifax were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted this company on several occasions and finally settled to pay my balance in XXXX. There was 2 payments made of {$280.00} dollars on XX/XX/XXXX and XX/XX/XXXX. I was told once the payment was received it would be reported to the credit bureau as settled and paid. Fast forward to today XX/XX/XXXX this account was reported as late. I contacted this company and I initially was told my account doesnt qualify for a settlement. So I advised that I had the letters and was provided a different answer then stating she found the letter in the system and she would need to send me to another department. I was transferred and advised that it would take 7-10 days to update my report. Not acceptable it should have never been reported late at all and it should have been documented that the account was settled.

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 2017-12-08
Company: Equitable Acceptance Corp
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Fraud/Scam. 

An amount of {$39.00} was applied to my account each month to assist in relieving my student loan 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 2019-01-28
Company: The Receivable Management Services LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX representative examined our refrigerator on XX/XX/2017 on a warranty call and were paid a {$100.00} deductible that day. Subsequently, XXXX has sent multiple letters stating we owed the {$100.00} deductible. We called XXXX separate times and the call center would look up the account, look for payment the day we told them the check cleared, agree there was no amount owed, and then say they would take care of it. When I asked the third time if they could not update their system correctly, I was told to there would be no further problem and to ignore any further letters. We ignored further letters as told and now have received a collection letter from The Receivable Manager Services ( RMS ) as well as a phone call from RMS. We are now sending proof of payment to RMS as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: AFNI 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: Old information reappears or never goes away

Complaint:
AFNI has reaged my debt. It should be from XX/XX/XXXX and no longer on my report. They are reporting it new as of XX/XX/XXXX. I have disputed this with the credit bureaus and attempted to resolve with the creditor and they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
HELLO WAS TO THE BRANCH OF WELLS FARGO TO ASK FOR INFORMATION ABOUT ANY QUANTITIES THAT WERE OPEN IF MY AUTHORIZATION ACCOUNTS CHECKS AND SAVINGS WITH PENDING BALANCES PLEASE ELIMINATE ANY OPEN ACCOUNT TO MY NAME HAS NEVER HAD RELATIONSHIPS WITH WELLS FARGO THANK YOU. 
CALL MY 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 2017-12-07
Company: BB&T CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The vehicle in question was repossessed in XXXX 2012. There was no notification that this was going to happen. I sent them my XXXX XXXX prior to my departure. I was told by XXXX XXXX that those orders did not matter. I have sent the orders to them on two other occasions. They have put this on my credit report for 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 2019-01-28
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed fraudulent accounts listed on my credit report. I am a victim of identity fraud and my information was obtained to open fraudulent accounts. I request this fraudulent information be blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Americollect acct # XXXX this account has been paid Americollect has not responded back as a validation of my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Back in XX/XX/XXXX I arranged to pay the balance with the company and charged me a processing fee and that's illegal.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Unauthorized and unverified inquires put on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient is my student loan servicing agent. I have paid the bill each month. I have been ob a income driven payment plan due to my low paying XXXX XXXX job. I called to get the application to re-apply, they we will send it to you and they have done it and this has been over 4 months. I have made calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

No application. All I want to do is stay current with my student loan payments and they are stalling me not telling me the truth. It seems to me they want the student to default.

Well I am not trying to do that. Please help me! I want to pay, and pay what I can afford. My Human Resources Department Faxed over to Navient the Income driven application in XX/XX/2018 and they are saying they never got it. The Human Resources office has the paper work showing they did fax the application to them. They keep lying to me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions Inc.
State: NY
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 COMPANY XXXX XXXX TOOK ME TO COURT FOR {$7000.00} FOR SOME AUTO LOAN THEY ALLEGED THAT I OWED, I DENIED THIS CLAIMED WENT TO COURT TOLD THEM TO SHOW PROOF AND THE COURT DATE WAS RE SCHEDULED TO GO TO TRIAL WITH THEIR ALLEGED PROOF, THE COMPANY NEVER SHOWED UP THE DAY OF TRIAL WHEN BOTH PARTIES WERE CALLED UP TO THE STAND AND THE JUDGE SAID DISMISSED WITH PREJUDICE. I WENT BACK TO THE COURT HOUSE TO GET A COURT CERTIFIED COPY OF PROOF OF THE JUDGEMENT, SENT THAT COPY TO ALL 3 CREDIT BUREAUS WITH REPORT NUMBERS, IT WAS DELETED FROM XXXX, XXXX XXXX BUT STILL REMAINS ON EXPERIAN, THEY HAVE TO REMOVE IT PLUS THE COMPANY GOT A COPY OF THE SAME JUDGEMENT, WHEN I CONTACTED EXPERIAN THEY TOLD ME THEY ONLY REPORT WHAT THE COMPANY REPORTS BACK TO THEM, SO BASICALLY EXPERIAN IS KEEPING THIS ACTIVE ON MY EXPERIAN CREDIT REPORT BUT DELETED IT EVERY WHERE

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