BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: NY
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 recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: AVANTE
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received repeated telephone calls from someone identifying themselves as representing XXXX  XXXX, a company with which I have no professional relationship. They are calling me repeatedly from a number in Texas -- ( XXXX ) XXXX -- and I have instructed them to call neither my home phone nor my employer nor anyone else to harass and berate me or them. They have refused to cease and desist with their harassing telephone calls. 

My research shows that this company has had several judgments against them for violations of federal law and harassment of folks who, like me, have no professional relationship with XXXX  XXXX. I would respectfully ask the CFPB to levy the strongest actions against XXXX XXXX for improper and amoral business practices. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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 was recently attempting to refinance my home and when my credit report was pulled, I had a late payment in XX/XX/2019 from a store charge card, XXXX XXXX ( XXXX ) serviced through Capital One, severely impacting my score. I am currently 2 points away from the required score to refinance and was told to contact XXXX card services to see about removing this blemish from my credit report. I was told to write a letter to XXXX   and they would respond within 2-3 wks. The letter included information such as the month of the late payment, XXXX and the situation at hand. My normal monthly is {$40.00} and an archived electronic statement dated XX/XX/2019 shows a past due amount due of {$100.00}, with a total amount due of {$150.00} on XX/XX/2019. I immediately noticed the discrepancy and paid the full amount ( {$150.00} ) on XX/XX/2019 which included the past due amount and charges through XX/XX/2019. This was a simple oversight, on that could have been avoided with a simple correspondence from XXXX card services. I accepted the late fees as I understand that the payment was in fact 2 days late. However, I have NEVER had a late payment on any of my credit cards, never mind reported on my credit report and have always paid over the minimum amount due. I did not receive any notification and was completely unaware of the blemish they placed on my credit report until I tried to refinance. Therefore, I wrote a letter to attempt to have this removed from my credit report. 
After not receiving a response, I contacted them yet again. I was then told to what a few more days. Again, I did not receive a response and called again. This time I was told that it was up to Capital One to respond and take necessary action so I was transferred. Capital One pretty much told me too bad and wait for them to respond. They have 2 days left and it will be 30 days to which they did not respond to my dispute and therefore, I am requesting that the information be removed from my credit report. This was a simple " 2 DAY '' oversight that will end up costing me thousands upon thousands of dollars and Capital One is unable to work with a long-term, good standing customer that has continuously paid on and above minimum balances and remained current on their account during the whole worldwide pandemic. They are being completely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notified by Portfolio of debt owed. Asked for proof of debt. They could not provide proof of debt. I asked them to cease all communication with me since they could not or would not provide documentation. Continue to constantly mail and call even though they could not prove debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 XXXX XXXX charged on my Cap One card {$1000.00} WITHOUT my permission. I cancelled transaction yet XXXX still used my card. Verbally and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My problem is with the loan servicer, Navient. I requested a Income based repayment plan in XX/XX/XXXX. According to the website, and the letter that I received, no payment would be due until XX/XX/XXXX. I got an email and few weeks ago stating the my loan is now currenting due. I logged back into the website and discovered that a payment in the amount of {$220.00} dollars would be due on the XXXX of this month ( XX/XX/XXXX ). I contacted the company and asked why suddenly are all my loans due. They could not explain why that made sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
I settled debt with 2 credit cards XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX had purchased the debt from lender ( XXXX XXXX XXXX ) so this one is reported to the credit reporting agency. 2 times for the same debt to XXXX and XXXX. I have been in touch with all three Company 's they all said they would contact the agency 's to correct the problem. one of them sent in.some information to fix it, but 4 days later they re reported it to XXXX and XXXX that its a new account in collections. i put a dispute with all 3 of the credit agency 's they have not fix it as will they said we will looking to it and investigate it. It could take up 90 days. it only took 4 days to add it back on. why would they tell me they can help me. they can look at the report and see it was removed than added back on. they are playing with my life. I was going to apply for a home mortgage by now but i'm not able to receive a mortgage now and have to wait until they do some thing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion and XXXX are fraudulent on my credit accounts XXXX XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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 2018-06-25
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX reported my account as delinquent to the credit reporting bureaus for an {$8.00} charge that was incurred for the annual fee. I do not use this credit card and was not given any statements or notices that the annual fee was being assessed to my account. Furthermore, I believe it is deceptive and unfair that the annual fee is split up over monthly payments. This forces consumers to have to use their online payment system which charges a " convenience '' fee for expedited payments. It is also creates a situation where consumers would incur more late fees, which are double the amount of the annual fee amount, if they are not aware that every month the annual fee will be added to their account. This appears to be nothing more than a system designed to extract fees from consumers. 

Additionally, I have never made one late payment in the 3 years I have had this account and when I called they were unwillingly to accommodate my request to update my credit reporting and remove the derogatory remark which caused a significant decrease in my credit score. The amount past due reported to the bureaus was for {$25.00}, which again, consisted of {$8.00} for the " monthly '' annual fee charge and the rest of the balance was entirely late fees.

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 2018-05-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a XXXX XXXX XXXX and qualified for XXXX loan forgiveness. In XX/XX/2017I submitted my loan verification form to navient. They did not fill out the form correctly. They did not put the right amount I owed on my student loan. I was told by XXXX to have them fill out the paperwork again and resend. In the last 10 months I have called monthly and sometimes even every two weeks to get them to fill out the paper work. They have told me it was resent when I call XXXX they have not received. Ive asked for it to be sent to me multiple times. After ten months they finally sent me the paperwork but it was not filled out. I am having to fax the documents to them again to try and get them to put the correct balance. Meanwhile my loan would have been paid off last year by XXXX but since the did not fill out correctly I still have a balance and they are collecting interest daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
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: Problem with personal statement of dispute

Complaint:
My daughter is a XXXX XXXX XXXX XXXX and has a XXXX XXXX Student Loan. I was under the impression that while she remained a XXXX XXXX XXXX  the loan would gain interest but did not have to be paid back until after she XXXX. I was also under the impression that any and all payments made while she was still a XXXX XXXX XXXX were optional.

I made several interest only payments but did not do so in XX/XX/2017 which resulted in a negative report on my credit report ( 60 days late ).

I disputed this with experian and was denied. I contacted XXXX XXXX  and was told that interest only payments were still required during the time my daughter was still a 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 explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
i try disputing the issue with dentists and refuse to talk with me because services wasnt completely, XXXX Equifax XXXX Account Name : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/2013 XX/XX/2013 Balance : {$1700.00} {$1700.00} Terms : 1 Month High Balance : Limit : Past Due : {$1700.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Comments : Account in dispute-reported by subscriber

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a annual fee card with citi and tried calling them to convert it to a no fee card. After being transferred 3 times and spending over an hour the agent tells me that I need to call credit bureau and update my phone number there. 

Horrible customer service who has absolutely no clue.

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 2023-03-08
Company: Experian Information Solutions 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 my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$210.00} Medical ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2021-06-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and XXXX you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: CITIBANK, N.A.
State: OH
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:
On XXXX XXXX, 2017, I found an unknown inquiry to XXXX for New Tradeline from CBNA with Business address as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL Business type : N/A Account type or status : N/A Balance : {$1700.00} I did not authorized this inquiry and want to remove it from my record. Also want to know why they made this inquiry. 
Please help me secure my information. I am totally unaware of 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 non-monetary relief
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have several issues with the TRANSUNION credit reporting agency. I have contacted them on several occasions regarding these issues. I have requested documents that show my signature on these accounts on three occasions and they refuse to produce any from the creditors.

XXXX XXXX XXXX accounts # XXXX, # XXXX These two accounts have exceeded the statue of limitations for the state of Georgia and they refuse to delete them. The accounts are closed and paid in full. XXXX XXXX XXXX  # XXXX  ( XXXX XXXX XXXX ). They refuse to produce any documents with my signature on them for this account. The account is now seven years old and they keep updating the date ti record it. XXXX XXXX XXXX # XXXX same issue as XXXX XXXX XXXX.

These four accounts should be deleted from my 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 explanation
Consumer complaint received 2020-08-21
Company: ATG Credit, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or around XX/XX/XXXX, I was notified by XXXX I had a new collection added to my reports, damaging my scores. I saw that AGC Credit LLC reported this account as new/opened inXX/XX/2020.I have never received any sort of notice ( written or otherwise ) from ATG Credit regarding this debt no phone calls, no letters, e-mails, nothing. 

This debt has been submitted to the credit bureaus as a new opened collection starting XX/XX/2020, even though they have NEVER made contact with me or verified the debt, and even though this account in particular was charged off by the original creditor over two years ago. 

Collection entries related to the same debt share their expiration with the original debt, and must be reported this way. In this case, ATG re-aged the debt by reporting a different open date, violating my rights and damaging my credit score. They also failed to give me any notice or verify the account before adding it to my report and damaging my credit Ive tried hard to rebuild.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2020-07-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Chase checking account was closed on XX/XX/2020. I had had that account since I was in high school. They would not tell me why they closed it because that's " all the information they had at that moment. '' Two months and tens of calls later, they've only given me {$1600.00} of the {$12000.00}. when I call Chase costumer service they say the remaining {$11000.00} can not be released at the moment because " it's still under review by a special team form the back office, which doesn't have a phone number, and have not been approved for release. '' What's really getting me frustrated is that it's been two whole months, and they're telling me they can not give me a time frame as to when the money is going to be released. for two months they've told me to " just wait, '' and it's gotten me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Ocwen was sent a request for payoff amount of reverse mortgage on XX/XX/XXXX. Ocwen has not responded to this request and will not address the issue when phoned by myself and the escrow title company. Ocwen has made an extra {$370.00} in interest in the time they have delayed in producing a loan payoff amount. 
Ocwen does not seem to be interested in my satisfying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 10 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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