BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX # XXXX  3.XXXX XXXX XXXX XXXX # XXXX   4.XXXX XXXX # XXXX  I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I was contacted by XXXX XXXX on behalf of Navient regarding my defaulted student loans. I was informed they had recently been given the account to try to collect on the money. They informed me payments had stopped in early XXXX with another company collecting on behalf on Navient. My co-signer had been making payments. She was informed that after 24 months of making payments, the account would be settled. This was obviously a false statement made on behalf of Navient. So now, I have set up payments to close this account out with XXXX XXXX. I made a {$6800.00} deposit and 3 payments of {$500.00}. They informed me that the co-signer would be removed within 7-10 business days but that has not happened. My last payment of {$500.00} is due on XX/XX/XXXX and thus should close the account out. However, looking at my credit report, it's already showing the student loans are closed out. Every time I call, I get different answers. 
On another note, I have a private student loan in good standing with Navient. The original balance was {$3500.00} and is now over {$8000.00}. After my numerous efforts to pay, I've had to go into a forbearance and now it's almost doubled. I'm not sure if anything can be done but I had no idea forbearance would double the cost of the private student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing because I have submitted multiple request to Transunion, XXXX, and XXXX about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.

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 2021-12-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I reported fraud in XXXX, 2020. My new card took 1 month to arrive SINCE THEN NONE OF MY DIRECT DEPOSITS HAVE GONE THROUGH-THIS IS MONTHS. KEY BANK IS STEALING MONEY FROM THE UNEMPLOYED. I SET UP DIRECT DEPOSIT TO ANOTHER BANK BUT IT IS NOT GOING TO THAT OTHER BANK. HELP. HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Was involved in a Motor vehicle accident XXXX/XXXX/2016 filed claim with USAA. Claim was paid for accident the money was deposited into our USAA checking account, However I was notifed that we was involved in a bank fraud and our account was frozen. due to the investigation. After the determination was made the bank ruled as a scam. After we informed them that our bank card and account info was released and was unknown to us. The claims department refused to re issue the amount of money to fix the damage, and is also refusing to provide ANY documentation to us so we are able to seek further help to pay for the vehicle. USAA took over XXXX from our account which was our paycheck and claim to fix the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: VA
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:
Account : XXXX XXXX The credit bureaus stated my count was properly investigated but how is that possible if the open date is in accurate the dates last active is in accurate and that last report it is not accurate this grounds for Removal they also violated my rights 15USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 1681 section 604 A section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, INC.
State: WA
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:
There have now been three attempts to validate XXXX XXXX XXXX account on my credit file. Their investigation conflicts with XXXX investigation who also conducted an investigation at the same time. I don't even know if this account is even mine and XXXX and Equifax have failed to validate the account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing because I have submitted multiple request to XXXX, XXXX, and Experian about a bankruptcy on my credit report. Unfortunately, they have yet to assist with removing this inaccurate information. The bankruptcy on my credit report is showing an unknown case number and they all differ from each other with every bureau. The filing date is also incorrect across all three bureaus. The closing date is also showing differently across all three bureaus. My name is not correct on any bankruptcy filings either.

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 2019-10-21
Company: Outsource Services, Inc. d/b/a National Acceptance Company
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I joined a gym membership, signed and paid for the 16 week program in XXXX and paid upfront in full, with the option to cancel after the 16 weeks.

Once I completed the 16 week program, the gym owner gave us the instructions from the company who sponsored it on how to cancel. Which I followed exactly as instructed. 
You had to attend 3 classes per week and log the classes in on the planner app, which I did. Then you had to send a certified letter advising the National Acceptance Company, who apprently is the 3rd party billing company that you are cancelling the contract membership. I sent the certified letter, with a copy of my print of the classes attending to show proof of the required 3xweek attenandce record. 
They then called me in XXXX to tell me I owed them {$2.00} as a verification fee or entry fee. Which I did not pay. 
Now I am being billed for the full gym memebership and if I dont pay they are going to put me into collection and ruin my credit. 
They are bullying me, I have called and was told I can not pay this {$2.00} now, and I have to start the cancel process all over again and pay the past due amount of now {$190.00}. How can they justify this kind of fraud. 
This is ethically unjust and I feel like they are holding my credit hostage. 
How is this allowed to continue? How are they allowed to hide behind this 3rd party billing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not own this debt, I dispute it before and it was remove from my account, and it reappear in my account again, I have ask for validation of the debt they refuse to valid account. Now they place it on my credit bureau coursing my credit to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America is stealing money from me they are bringing up claims that were deem permanent and they are also trying to make decisions based on claims that were way pass the 90 day period of hey are trying to stick me with a XXXX claim then came with a XXXX response as to why they denied it the other one all day the same except one and a half and thats another thing how can yall approve held a claim this bank is stealing money in every way possible then the complaint specialicapls ke to ask me to stop calllimg so much but you guys are holding my ki in my are u XXXX t my child needs her medication plus more they dont care but understand that this is my family and I will fight until the the day they take every penny out this bank and shut it down because this os unacceptable they let people steal from me then send me through XXXX then made sure that they did dont giver my temporary credits then the claim that they approved went to the negative balance someone is doing a inside job at Bank of America because how was anyone able to teller withdraw my account make that make sens Bank of America HOW I WANT MY MONEY BACK AMD THE SIMPLE FACT THAT YOU GUYS ARE BEING SUED FOR MONEY LAUNDERING AMD HELPING SOMEONE SCAM MILLIONS TELLS ME ALOT ON TOP OF THE OTHER ISSUES Customers ARE FACING BECAUSE THIS BANK NEEDS TO BE INVESTIGATED OR SHUT DOWN MY FAMILY IS MY LIFE AND IM READY FOR WAR BEHIND THE PAIN YOU CAUSED ME AND MY FAMULY FET READY BECAUSE IM MAKING 10 stops f these today yall stole from the wrong woman then they duplicated claims added someone elses information to my account then they just made adjustments to my account but wen I talk to the rep they says I was denied but Im tellin her Im seeing activity in my account the credited me once and debited twice this is not ok Im in the negative because they dont know how to do their job and doing malicious things to people like me then making me suffer behind their games

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 2017-10-16
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've never had an with this company AfNI.No one from this company has ever contacted me or phone or mail. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello I am writing because after I have tried to resolve this issue with my bank they came back and said that charges were not fraudulent because the company was able to give them my name, address, and email address? This is public information in which has me highly confused! I have lost over {$2000.00} in XXXX due to me losing my handbag, in which my phone was in, my debit and credit cards were in, among other things. I have even filed the same dispute with my credit card who in turn responded that the charges were indeed fraud so it really is baffaling how my bank is allowing someone to rightfully steal from their very own customers. Aside from this TD bank has charged me an obscene amount of overdraft charges due to these fraud transactions as well, when I mean obscene I mean hundreds and hundreds of dollars for transactions that I did not even process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: MD
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 is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the issue

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 2021-12-16
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: Their investigation did not fix an error on your report

Complaint:
I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: VW Credit
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was attempting to purchase a vehicle through XXXX XXXX in XXXX, Maryland ( Volkswagen Credit ), and my credit was run multiple times resulting in a lower score. My credit was run on XX/XX/21, and I was given finance options, final numbers, and entered into a verbal agreement with a {$500.00} deposit on XX/XX/21 ( credit card statement attached ). When I arrived at the dealer to pickup the vehicle on XX/XX/21, my credit was run again for no reason and with no notice given to me ( I realized a week later when I checked my report ). I have since applied for another vehicle loan for a secondary vehicle, and I may not have gotten the best rate possible due to this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To Whom It May Concern : For many years I contracted with Equifax for credit monitoring. Monthly the service has been billed to my credit card. In XXXX I started having problems that the service would not let me run updated information as I had been doing for years. This went on for several weeks so I contacted them by phone. When I contacted the representative I was told me he could see what the problem was and that they would get it fixed. Another week or so went by and still the same. I contacted them through their site to cancel the service of which I received a survey inquiring as to why I was cancelling the service. Shortly thereafter within a week or so I learn of a breach through media. The charges to this day continue to be charged against my credit card yet they advertise they will be providing this service free for all they have affected. I contacted my credit card company notifying them that I was disputing the charge. They reversed one month and continue to charge me monthly for a service I cancelled. I again reached out to Equifax through their site and received a response that they would follow up with me and gave me a case number. So far no one has returned my call either by phone or e-mail. This organization has no approval to continue to charge my card however they do so monthly. In lite of the situation at Equifax, their failure in late XXXX to disclose to me an issue and ongoing billing after they have been told to cease is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
HSBC, It seems that they were connected to XXXX XXXX XXXX XXXX and neither company fail to satisfy or release a lien on property at XXXX XXXX XXXX. pa XXXX. 
In failing to this my Title Search came up with a large amount of money owed and something that shouldn't of been overlook, Either this was with a refi or transfer or bought. I'm in the process of trying to sell the property and was told that I needed aLetter of Satisfactory or a Corrective Lien Release in order to move forward. I missed one settlement day schedule for the XX/XX/XXXX I have a new date for XX/XX/XXXX and if either one of these companies can assist in a Satisfactory Letter this would so be appreciated and error made correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HSBC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: PA
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:
My identity and many cards was stolen from my vehicle and I believe this is the reason I have fraud 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 non-monetary relief
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I returned two items to the XXXX store and XXXX got refunded onto my card this was on XX/XX/20 since its an unemployment prepaid Bank of America card az unemployment only allow them to load the card so the card got flagged for fraud Ive been calling everyday since XX/XX/20 verifying myself and saying its not fraud even going to a Bank of America branch on XX/XX/20 I was on the phone with the risk department and she didnt want to give the number to the bank manager so the bank mgr said to call her ok she never calls I call back and she noted in the account that she gave her a non working number which is a lie I just want to get this resolved.

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 2019-12-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been trying to add this positive account myself for 2 years with no help on my own, several overnight envelopes sent to 3 credit bureaus with no luck just money wasted and i asked the company to report for me and they wont report the information that i paid my car off.

Company response to consumer: Closed with explanation