BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
There are items on my Equifax report that are not accurate and is preventing me from having a XXXX FICO score. The following include : 1. Negative Account Information : XXXX Card that dates back to 1987. This should have been removed from my profile. 

2. I have been borrowing money for the last 30 years with the bulk of the borrowing coming in the last 5 years and still events from 30 years ago are factored into the FICO score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Accounts on my credit report appear to be unauthorized.

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 2020-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a capital one card and I make my payments monthly on time. I have had this credit card for at least 6 years. I just lost half my income about two weeks ago because of the national crisis and the shelter in place in California where I can not go to work and can only do limited work on line. 
I asked the Capital one representative if they could work with me and lower the interest or waive it ( which is about {$200.00} per month ) while the shelter in place applies to California and I have lost half my income because of it. They refused to do anything to help me during this situation, so I closed the card and will continue to make the monthly payments as best I can. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a customer at Bank of America for many years, since I was in high school, through college, now, and as I prepare to become a student again. I am constantly in a branch working with staff whose most common response is that they are unable to assist me due to restrictions placed upon them, or it has to be submitted for review. I 'm in the branch trying to find effective ways to use my account without constantly paying fees. Yet I encounter fees for going to the branch too much, for over drafting, for transferring funds if my account does overdraft. I 've overdrafted for less than XXXX dollars and am yet unable to bring my account current because the bank says they are unable to return {$70.00} in fees. In less than 6 months i have been charged more than {$600.00} in fees, almost equivalent to XXXX paycheck, this has a significant impact on my financial well being.

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 2020-03-28
Company: Experian Information Solutions Inc.
State: IN
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:
Accounts on my credit report appear to be unauthorized.

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 2022-08-04
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took a loan for {$3100.00}, 1st payment XX/XX/XXXX. Automatic draft. Paid on time {$350.00}. Paid 9 months. I checked balance of loan 9mos later, XX/XX/XXXX and was was +-XXXX higher and said pmt was late -NEVER ... WAS ON AUTO DRAFT SINCE 1st pmt. THEYRE EITHIR INCOMPETENT IN BOOKKEEPING OR  INTENTIONALLY GOUGING CONSUMERS. I RESEARCHED SCAM REPORT WEBSITE _ THEY HAVE NUMEROUS OTHER SIMILAR COMPLAINTS. 

These type of outfits need to be SHUT DOWN ASAP to protect the public! 

I have documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell/Text : XXXX XXXX Count the payments already made {$350.00} times 8 Mos pmts against the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Personal information incorrect

Complaint:
There's incorrect personal information on my credit report. I've attempted numerous times to reach Experian and get this resolved but they have violated my rights and have not done so. I have one name that I was born with, and one address that I reside at. The incorrect information needs removed immediately. 

Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX Incorrect Names : 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 non-monetary relief
Consumer complaint received 2020-03-28
Company: Santander Consumer USA Holdings Inc.
State: SD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2020 i received a letter from Santander Consumer and their attempting to collect on a old debt that has been removed from my credit reports and past the statute of limitations. 
It also states they are attempting to repossess the vehicle that i disposed over 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00} XXXX   XXXX {$160.00} XXXX  XXXX {$92.00}

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 2016-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of america has been a nightmare for me this month with their messed up claims depth, to all their crazy fees, and fees that do n't make sense at that. They have poor customer service, in which they do n't do enough to help or get anything resolved for you! This is my fifth complaint, and I will keeping complaining everyday till bank of America helps me get my {$200.00} stolen from my account, all the mystery fees on my account, and a {$35.00} I got today for XXXX cents taken out by XXXX, in which I did n't know because I never authorized XXXX to do that! These companies take advantage of little people like us, because I work hard for my money and ca n't afford all these smacks bank of America has given me with taking my money! I am switching banks, once I get my money back because I just ca n't trust this bank anymore. I never do any claims because it 's embarrassing and their claims process is corrupt and unjust to the customer!!! I am not so XXXX off the street! I am XXXX yrs old and never dealt with such bad 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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, NOR did I authorize these companies to pull my credit. Additionally, there are addresses that are not mine 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 2020-07-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I held a XXXX  XXXX store credit card for several years and had excellent payment history. I had about $ XXXX in available credit. I received a notice from the card provider that they were reducing my credit limit leaving me with virtually no credit available. I continued making payments on time. Then I got another letter saying they were reducing my credit limit again wiping out all available credit. I continued to pay on time. They again sent me a 3rd letter reducing my credit limit and keeping available credit at XXXX. I called them and they said they didnt know why the company would do that since I had excellent payment history but too bad. Then they sent me a special offer for my birthday that I couldnt use because theyd completely reduced all available credit. Haha! I called them again to complain. Again they couldnt understand or provide an answer. So I stopped paying to get their attention. They just started adding fees for nonpayment. Now the amount I owe them is much higher than the amount of my final reduced credit limit and outstanding balance but still less than the credit limit I had before they starting the 3 credit limit reductions. They instigated this situation. Why should I continue to pay on a credit card that keeps renegotiating the terms out of the blue when Id been so diligent about using the card responsibly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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:
The credit bureau Experian has failed repeatedly ( 4 times ) to properly verify and validate a debt by providing key information I requested 4 times.

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 2016-07-26
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Received a call today as a message. 

You or your attorney call XXXX XXXX XXXX XXXX Figured out who called by looking up the number with the XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX, NY XXXX Called and asked XXXX XXXX XXXX as message stated. 

Basically I was told that they wanted {$2100.00} today. I said I could not pay that and that I would look into monthly payments if they sent me the original agreement. 

Told XXXX XXXX I would call him back on Wednesday, XXXX XXXX, 2016. 

I would like the CFCB to be the go between.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CITIBANK, N.A.
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:
Citibank Rewards Made a payment XX/XX/2020 through their automated phone in a timely manner as I have perfect credit. 
Payment did not post to my account. Did not get notice that payment went through. No email, no text XXXX choice of communication method, no mail ). 
I have 2 different credit monitors that show all my payments are on time. 
As of today my credit score dropped over 100 points. I sent my credit reports showing payment credit history, and a explanation that I paid on time and was not notified my payment went through. Citibank has caused me hardship as I almost had a 800 credit score. Been on the phone all day trying to resolve and twice today I was disconnected. 
I opened this account In XXXX as it is a no interest credit card as I needed the funds as I was having XXXX medical. Why should I have to go through this at a time when we are in a State of Emergency with this Corona. From Excellent high credit to a negative 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
Consumer complaint received 2022-04-12
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XXXX XXXX, my check for {$3000.00} was returned to issuer ( my attorney ) because she accidentally wrote the check wrong but the funds have not been released to my attorneys account so that she can reissue the funds back to me. The money has already been debited from my account. Ive called chime numerous of times including today with my attorney and her bank, nobody from chime is able to tell me where the funds are. 

We are well over the time period of awaiting the returned check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am not sure how they received my work telephone number  but Navient has now called me 3 times on our main business telephone number at my employer. They  were told that I did not want them to call me at work but they continued to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: GA
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 a natural person, I am a living working human being who has rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Buffaloe & Associates, PLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt numerous times with the collection agency. This debt is not mine, it is my daughters. I have sent proof showing that this is not my debt and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Southwest Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a XXXX done in 2012 in XXXX XXXX, NV. I had XXXX XXXX XXXX ins. I paid my {$100.00} deductible the night of the study. Time lapsed. I started getting calls from Southwest Recovery Services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) about the XXXX center bill. After many calls to my ins co, SW Recovery and the XXXX company 's supplier, I found out : XXXX center went out of business, but before closing they sold the accounts receivable accounts to SW Recovery. In addition, XXXX Co never turned in a claim for my XXXX to my ins co. It is the responsibility of the XXXX to bill my insurance co or to at least let me know they did not bill so I could handle the paperwork. They did not. By the time I found out the allotted time to file a claim had expired. I did not know that the XXXX co did not bill the ins co until I started receiving calls from SW Recovery. I have all the records of SW Recovery phone calls. 

The original collection bill from SW Recovery was in the amount of {$3600.00} but SW Recovery reported a total of {$7900.00} to the credit bureau. SW Recovery also listed each charge as a line item. There are a total of XXXX negative individual listing entered on my credit report. 
I sent certified return receipt letters to all XXXX credit bureaus explaining that the medical bill for the XXXX was the XXXX company 's responsibility. Some of the bureaus removed a few entries but not all of them. 
I can forward you a spreadsheet of the phone records of the calls SW Recovery made to me. All but the first few calls were after I had told them I was not responsible for the XXXX bills and not to call me. The calls continued. Over two hundred calls. 

I had requested from SW Recovery a detailed list of what I owed. They could not provide any detail at all. They said they had no record of the billing, yet they gave XXXX individual items to the credit bureaus which totaled {$4200.00} more than I owed. 

Please help me get the SW Recovery derogatory items removed from my credit reports. Your help is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX, the corporation taking over my student loan from Navient, says they " do not yet '' have my loan. I am unable to login, nor did the customer service agent find my acct. despite widely reported assertions that all loans had been transferred as of the end of XXXX. They said I needed to wait for the " welcome package '' and stressed that I did not need to make a payment until XXXX! My credit has been so often dinged due to misreported student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2023, I sent information regarding my bankruptcy and the company Navient confirmed that they received that information. They did not process that information correctly. I filed for XXXX XXXX  bankruptcy and I am still in active bankruptcy. The customer service agents nor Supervisor XXXX Employee ID XXXX do not know how to read legal documents. I am still receiving statements for payments and am still being harassed by phone daily for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I sent a certified letter to Check N Go to stop the ACH payments from my account with XXXX ( located XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) I took the letter into XXXX to show them and they still charged me a {$33.00} for a stop check fee. I received the certified mail receipt back from Check N Go acknowledging receipt of the certified letter. Yet, Check N Go proceeded with the ACH authorization requesting payment of {$1400.00} and XXXX XXXX let the charge go thru. This left a negative balance on my account and left me with absolutely no money for a week ... no food, no meds, no gas. Nothing for both me and my husband!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
The information is not accurate. The balance is wrong and I need it validated. I do not have that card.

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