BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: EQUIFAX, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. (copied from the affidavit attached)******

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 don't recall this account and it's reportingXX/XX/XXXX XXXX XXXX # XXXX in accurate information. On XX/XX/XXXXreport " Legally Paid '' with inaccurate history ; XX/XX/XXXX XXXX Charge-off with Paid On-Time for all 2020 ; TransUnion has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.

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 2019-08-18
Company: Nelnet, Inc.
State: GA
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:
I have this company listed on my credit report and I have no clue nor idea what this company even does.  I have been disputing it with XXXX and they are returning saying valid.  I have been asking for my wet signature or documents that makes me the owner of this unknown account.  I was a victim of identity theft, and I assume this is one of the accounts?This is damaging my creditworthiness and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called three times today ( XX/XX/2018 ) by XXXX XXXX XXXX for a debt that is not mine. Our number has been on the do not call list for three years and I'm sick of these people constantly calling me. At this point, I can't even remember how many times they have called in the three years we've had this phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 3 accounts through Comenity bank - Wayfair, XXXX and Victorias Secret. I have contacted Comenity Bank on multiple occasions to release the cease and desist order on my accounts, after having to seek an attorney for prior issues with this company. I have sent them a written, mailed letter AND I have sent a letter via the message portal through my account login. Every time I call back to verify the letters were received, no one can locate them. I need to arrange a hardship payment plan due to COVID 19. Comenity Bank is now preventing me from bringing my account current all because they do not have an effective method of receiving items they ask for. Please pull all the calls associated with this request and you will see that Ive been calling for months now. RIDICULOUS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
State: LA
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:
There is an unauthorized inquiry on my Equifax credit report from XXXX XXXX XXXX on XXXX XXXX, 2017. I have disputed with Equifax and has not been resolved in the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
My transunion credit report shows that I have opened two new accounts with XXXX XXXX when I have only one account with XXXX. I started living in this apartment since XX/XX/XXXX. However, transunion credit report shows that I opened another account with XXXX in around XX/XX/XXXX when my account only got renewed during that time. I havent closed account with XXXX apartments since 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 non-monetary relief
Consumer complaint received 2018-07-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check for {$5000.00} into my Fifth Third Essential Checking Account. I only had {$2000.00} dollars in the account prior to this deposit. Rather than hold these funds for six days ( which is the length of time stated in their Reg CC Hold Procedure ) to verify that the check was legitimate, Fifth Third Bank made those funds available the very next business day, XX/XX/XXXX. 

This out-of-state check ended up being fraudulent from an account that was closed over a year ago, so Fifth Third penalized me the full amount on XX/XX/XXXX because I had already spent {$4000.00} dollars from this account. On XX/XX/XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX named, XXXX, notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. 

Fifth Third failed to follow their own Hold Procedure, which would have prevented this problem from happening in the first place, and that is why I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Friday XX/XX/2020 I tried to temporarily lift a credit freeze from my Experian report. The website would not let me access this. I spent approximately two hours online and on the phone trying to get help for this. Online would not let me enter the website to do this. The customer service number is just an automated computer. It would not give me a person to talk to, and then it hung up on me. I looked up a phone number on the " XXXX XXXX XXXX XXXX  '' website. I finally got a person to talk to me. They said they were getting me a free membership so that I could sign into the website. I gave them all the information they asked for. Call center was in the XXXX and I had a hard time understanding the person. He said I would get an email in 5 to 10 minutes giving me access to the site and allowing me to select a password. I never got an email. On Saturday I went to the website again and put in my username. I got a screen that said I had to call a telephone number. When you call that number you get a computer who will not give you to a person and then hangs up on you. It is now Sunday and I have been given the runaround for 3 days now. Isn't it illegal to prevent me from accessing my security freeze?

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 2019-02-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX holds the former VA Land Contract   on a home I have owned for 20 years. I am XXXX years old and now want to part with this property. I have had it up for sale for a few months and now have a CASH offer which would not only pay off my loan but provide some extra cash for my wife and myself during our retirement. When I went to get a payoff the company had the WRONG address as being the property under loan. Then when we went to close, they said it would take 2-3 weeks to provide a deed even after the payoff was received. They have literally just about lost this sale for us and I am extremely upset as I have been paying this company 7.5 % on this loan for years. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have already disputed this account with experian and they refuse to remove it even though I have shown proof that this account is not suppose to be showing on my credit file any longer. I reached out to these bureaus back in may and sparked an investigation. This account has already been removed from 2 of these credit bureaus and experian refuse to provide documentation to verify how and why they are still reported this account. It is my understanding that all three bureaus are to report the same information once an account is reported other wise it is inaccurate and must be deleted from the repository. These accounts were already requested and removed from XXXX  and XXXX  and they need to be removed from experian 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 2020-11-17
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, two additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
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 examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair ... I am requesting that send me all the details that led to your investigation on the accounts and take any appropriate regulatory action. It is important that we put an end to these types of deceptive information.. Delete the late payments reporting on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX.XX/XX/XXXX DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. DISCOVER IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT DISCOVER HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Navient Solutions, LLC.
State: VA
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:
Although I never missed a loan payment and was making timely payments under a qualifying repayment plan, XXXX XXXX/Navient failed to inform me that my payments did not qualify as part of my 120 qualifying payments towards the Public Service Loan Forgiveness ( PSLF ) program. I had to move my student loans and consolidate them under XXXX XXXX. XXXX XXXX/Navient continued to mislead me by failing to inform me that the 120 qualifying payments would start again at zero ( 0 ). I had made close to 60 qualifying payments, which effectively " disappeared '' and now I am back at square one. My date of eligibility for loan forgiveness increased by a 5-year period plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had an auto loan thru TD auto financing. I traded in the car at XXXX XXXX and got another car thru XXXX XXXX XXXX financing. However, the XXXX payment for the TD bank loan went thru automatically. XXXX told me TDBank would refund me the {$320.00} once the car loan and sale went thru. This was in May after numerous phone calls to TD Bank I was told that the check would be sent. Many conversations were done with XXXX XXXX at TD finance. It is now XXXX still no refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is the third time we have had to report a problem with Synchrony Bank, regarding the XXXX XXXX credit card. The previous two complaints were originally submitted through the Wisconsin Department of Consumer Protection, and then forwarded here. Now that we have an established account here, I am submitting this complaint directly. 

The problem, in each case, is the same. We are being charged late fees AFTER we post on time payments. We have screen shots to prove this. In the first complaint, submitted here on XX/XX/2018, Synchrony accepted responsibility and refunded the late fees and restored the account to good standing. We made all subsequent payments, but were nevertheless assessed late fees, again after paying on time. ( Again, we have screen shots of the account which confirm this ). As the letter submitted by Synchrony Bank in response to the initial complaint confirms the account was restored to good standing, and as we made each of the next two payments on time ( easily confirmed through the due dates and the dates the checks were cashed by Synchrony ), there was no justifiable reason to assess late fees. Yet in XX/XX/XXXX, a {$35.00} late fee was again assessed, after a full payment of {$84.00} was processed before the due date. 

At this point, we resubmitted our complaint, because Synchrony Bank was simply non -responsive. ( It is a policy, apparently, of Synchrony Bank to conduct all conversations with customers over the phone, which does not allow for written records to be maintained by the customer. We insist on all correspondence with this company, given their track record of questionable practices, to be in writing. Because the company makes this almost impossible, we are struggling to communicate with them. ) The second complaint was met with less consideration, which may be seen via the written response posted here to that complaint, which we filed in XX/XX/XXXX. Since then, we have been unwilling to send additional payments, as they are NOT honored or processed fairly. This has led, inevitably, to additional late fees and threats from the company - in addition, because they will NOT communicate with us in writing ( email or regular mail ), we have reached an impasse. 

Our credit has been adversely affected by this situation, and we are now beyond frustrated. We will make the necessary payments to bring this account to good standing, but we expect a full refund of ALL late fees, as well as repair to our credit. 
We also demand that this account be closed. We will certainly NOT do business with Synchrony Bank, under any circumstances, again. 

We would also ask that a more comprehensive investigation into the late fee/payment policies of Synchrony Bank. It seems very apparent that we are not the only ones being victimized in this manner.

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 2018-07-14
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:
On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail.

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 2019-02-22
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is second time I have used your consumer portal to address this matter. The first time the debt was with a collection agency for the name of XXXX and I had it removed due to identity theft. Now almost a year later the debt has resurfaced with a new collection agency by the name of Amsher Collections. This account is apparently not mines and I wish to have it removed due to this inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/2017 2 debts were removed from my credit report and on XXXX/XXXX2017 they were put back on my credit report without being notified this is illegal the following accounts are : XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation