BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: KY
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:
Experian has investigated the account XXXX XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/2022, asking for verification of method of investigation. Experian has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. Please advise XXXX and XXXX have removed the item as it is incorrect and Experian is the only agency that has not. I am disgruntled and demand Experian to remove/delete the account reporting to XXXX XXXX XXXX XXXX is in violation with FCRA. 

Thank you,

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 2022-03-11
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I submitted a complaint to Equifax citing a violation that they made against me against as such : n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( Equifax ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

However during the companies response on XX/XX/XXXX the company made no mention of my exact complaint nor their violation of my rights as stated above. 

Further failure to acknowledge their violation and my proposed solution within 14 days of this complaint will force me to escalate this problem with the CFPB, XXXX and the attorney generals office as well as but not limited to other legal actions available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, PAYPAL/SYNCHRONY BANK received and signed for my notice to CEASE AND DESSIT all telephone communication pursuant to 15 USC 1692c . ( c ) ( see attached ), however as of XXXX XXXX at XXXX, I am still receiving harassing phone calls. This company is violation of my federally protected consumer rights pursuant to 15USC 1692 ( c ) ( a ) 1.

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 2021-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Navient Solutions, LLC.
State: CA
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:
Hello, I am working to fix my credit scored but Navient has marked my credit by stating that I have multiple late payments. There are TEN ( 10 ) student loan accounts open and each account has 9 missed payments. That has caused a total of 90 missed payments on my credit score ( a majority in XXXX and several other months missing information ) which is preventing me from purchasing a home or, more importantly, fix my credit. I am XXXX years old, trying to build my life. Taking the problem one step further : the student loans I have is for the University of XXXX which has closed all of its campuses in the XXXX XXXX. At first, I was attending the XXXX, CA campus ; it closed down. I was moved to XXXX, CA and XXXX XXXX, CA ; also closed down the campuses. I was then moved to XXXX, CA which also closed down the campus. I was forced to take online classes which dramatically increased the cost of all of my classes. I did not sign up for online classes when I first registered for this school, yet I was forced to do them because of all of the campuses being shut down. 

Not only is Navient hurting my credit significantly, but I am also stuck in paying a large amount of money for a school that kept closing its doors and sticking me with more expensive classes. 

Below is how my credit is listing the Student Loans : " There are 90 late or missed payments on your report. 
Payment history is important because it helps lenders gauge how likely you are to pay on time in the future. '' STUDENT LOANS XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXXXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time STUDENT LOANS XXXX I hope that there is something that can be done for this unfair treatment. This school is a trap and Navient has only put me in debt for the rest of my life. 

I thank you again for the time you have spent reading this correspondence. 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Asset Recovery Solutions, LLC
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, received a call through a local Louisiana Telephone Number out of XXXX, La at XXXX from a Company Asset Recovery Solutions , LLC agent Name XXXX. Upon follow-up call this day XX/XX/XXXX, it was verified that he was calling from the State of Illinois through a local VOIP Communications Server out of Louisiana. The Company / Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a current balance of {$9500.00}, being collected through collection agency Asset Recovery Solutions , LLC. A letter was received in mail on XX/XX/XXXX from Asset Recovery Solutions , LLC Telephone Number XXXX Ext XXXX, with an offer to pay {$390.00} monthly beginning on XX/XX/XXXX on referenced account. I never received a letter set forth prior to this with regards to account from said collection agency. We don't think he owes debt and letter does not state how to proceed if we don't think debt is valid. Requested XXXX  to forward debt verification in writing, including copy of initial contract signed for credit card and any other documents on file. Stated it would take a couple of days and just trying to find a loophole for collection. Check with Attorney Genetals Office for State of Louisiana  on how to collect and validate a debt, especially a revolving credit card - open account. Can't demand a payment until proof is provided and signature authenticated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
XXXX alerted me to collection on credit report. 
Called all 3 credit reporting, XXXX XXXX & XXXX to file dispute on Midwest Recovery Systems. 
Never heard of original creditor XXXX XXXX, nor Midwest or debt. 
Phone numbers to contact Midwest do not ring. Only dead silence. 
After reading XXXX complaints learned this is their common practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for verification of medical debts WITH my signature or some proof that the debt is owed by me with a signature of mine showing I created the debt, XXXX, Experian and XXXX all failed to provide ANYTHING with my signature. Instead in both XX/XX/XXXX and XX/XX/XXXX they sent back correspondence stating that they verified the debt to be true and correct but failed to proved any signed proof in which they should have in their file. I sent both letter certified mail. According to the FCRA they must have in their file my signature on any documents to verify the debt is accurate and my debt and provide that within 30 days, which they failed to do. I am requesting that the debts in question be removed from my credit reports due to them not lawfully following the FCRA and providing signed documentation.The amounts in question are : {$710.00}, {$560.00}, {$330.00}, {$410.00}, {$290.00}, {$370.00}, and {$390.00} and {$10.00}, 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 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Back in XX/XX/XXXX I sent a letter regarding fraud charges to my US Bank Reliacard. I never received follow up on investigation results on my account the money was never placed back in to my account. 
On XX/XX/XXXX I faxed another letter to obtain an update again as of today XX/XX/XXXX still no response by phone or mail. I called and was informed something was mailed on XX/XX/XXXX advised them I still had not received anything. 
They have poor customer service.

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 monetary relief
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/19 I get a email alert that a collection account was re-inserted on my credit report of which it was deleted back in XX/XX/XXXX which is against the FCRA law to delete and then re-insert a item back on to a consumer 's 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 2017-10-05
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, creditor, car loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. XXXX XXXX has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of XXXX for XXXX. I have written several letters to XXXX CREDIT to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Security Credit Services, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A place of harassment by the name of XXXX XXXX keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe XXXXSecurity Credit ServicesXXXX ANYTHING and I am tired of the harassing calls and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: ARVEST BANK GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On the XXXX of XX/XX/XXXX I attempted to close a real estate transaction at XXXX XXXX ( XXXX ) of XXXX VA. The transaction involved two lots ( tax map numbers ) and it was brought to my attention by the previous owner at closing that XXXX XXXX had forgotten to include one of the lots. The loan in question was correct as was the paperwork accompanying it, listing the two parcels in the sale on one loan. The originally quoted escrow and monthly payment were not correct due to the errors on behalf of XXXX title, the closing documents and calculations were prepared by XXXX XXXX, a representative of XXXX XXXX. After closing we were contacted by XXXX and advised of this error on their part as well as advised that the previously quoted amounts were incorrect and would be considerably higher due to their mistakes. After the first taxable period passed I was contacted by XXXX County representatives advising me the taxes had not been paid on one of the parcels. I contacted XXXX XXXX as well as Arvest mortgage multiple times to attempt to correct the problem. After speaking with both at length, I was advised the problem was corrected. Today, XX/XX/XXXX, I was contacted again by XXXX County advising me the taxes on the 2nd parcel had not been paid since the date of purchase and due to this, had accrued large penalty fees as well as interest fees at each billing cycle. Two years into this real estate transaction a large portion of the paperwork remains incorrect. I contacted Arvest Mortgage and advised them of the delinquency notices, they state the deed they received from XXXX XXXX only lists one parcel and are collecting and paying escrow based off the information received from XXXX XXXX. They only list one parcel and have not received any corrected information from XXXX XXXX since the date of the transaction. There is currently {$570.00} listed in delinquent penalties and interest due to paperwork errors on XXXX XXXX 's behalf but in my name as well as {$3200.00} owed in unpaid taxes totaling {$4100.00}. After my initial inquiry with XXXX XXXX as well as XXXX County I am under the impression they ( XXXX XXXX, XXXX VA ) are incapable of correcting their mistakes at my personal expense. I was advised by my loan officer on this transaction to file a complaint with the consumer financial protection bureau after multiple attempts contacting them to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: NV
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:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchased kitchen remodel with home depot XX/XX/XXXX. Promised this would take 1 week by salesman who was also a branch manager XXXX XXXX, and the scheduler when job was scheduled in XX/XX/XXXX. 
Required payment in full and we used their HD card w/24 mos no interest offer. Itemization of charges was requested but not given. Cost {$29000.00}. Job began XX/XX/XXXX. Extremely poor coordination of sub contractors resulting in 8 additional days of missed work for a total of 13 days missed work. Plus 2 days of unneeded kennel care when no workers showed up. This job is incomplete. The kitchen is missing 2 finish molding pieces and a touch up kit so the nails and seams show. The back splash was initiated XXXX XXXX and still is not complete. We have left numerous messages ( 10 or more ) w/office for manager or someone to call and help us and have no response begining in XXXX. We also filled out email survey listing complaints and no response. The tiler has been to our home 3 days disrupting our lives and NOT completing the job. There were 2 additional days he no showed for appointment. This is a small galley kitchen that has been in process for apx 20 weeks for kitchen reface/countertops/backsplash. Zero response from Home Depot to resolve this matter.

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 2020-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
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 took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them

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 2022-02-15
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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