BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt is for " repairs '' that were made to a property when I moved out of the apartment. I was overcharged for painting when as tenant over 3 years, painting is considered " wear and tear '' but charged costly for painting. Also left the apartment early and requested repairs. Repairs did not take place but after and the cost for replacing a curtain was for a small window was over {$100.00}. Complained to the leasing office to no avail. Stood my ground to not pay for ridiculous cost of the damages. Now the company I.Q. Data International , Inc. located in XXXX, WA XXXX wants to collect {$300.00} for a {$100.00} cost and repairs to the apartment. I gave them a call looking to settle at 40 % of the cost but the owner yelled, talked over me and tried to intimidate me over lawyer fees and cost. Please help im looking to pay but this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am an XXXX. XXXX are eligible for loan forgiveness. I was never given the option and I always had to ask about that option just to be denied. I have had a hardship request denied, also. I always forced into forebearance or consolidation which led to more debt. I ca n't buy a house because of this. My student loans have made my credit score so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Shellpoint Partners, LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid Shellpoint Mortgage Servicing ( account XXXX ) all that I owed to them and I requested from them to mail me and my wife tha original mortgage note we signed them when we originally made the loan. They kkep on mailing us a photo copy of the mortgage note and not the original. I need the original document in order to cancel the mortgage in the XXXX XXXX according to the laws of XXXX XXXX XXXX We are afraid that Shellpoint has negotiated the original mortgage note to a third party and we loose our house. We filed a complaint through CFPB ( XXXX ) and XXXX send us copy of everything but never maied us the original of the mortgage note, althought, they said that they complied. That was not true. They lied to us and to you. We do not thurst them. We can not cancel our mortgage ( lien ) without such original document to which we have full right to have. Our address is : XXXX. XXXX, XXXX, XXXX XXXX. My postal addredd is : XXXX XXXX. Box XXXX, XXXX XXXX, XXXX. XXXX, phone : ( XXXX ) XXXX. Please, Help Us. WE DO NOT WANT TO LOOSE OUR HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had initiated a wire transfer on XXXX XXXX, 2017, and when the funds were promised on the same of payment, they were not credited to my account on XXXX, a Coinbase trading platform for ecurrency. The wire transfer had completed, as I received confirmation from my bank account, however, the funds are not there for trading, or even viewing. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late fcra RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra see CFPB of the fcra violations RemoveXXXX  Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations see cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a payment to navy federal credit union for my monthly credit card payment on XX/XX/XXXX the due date was XX/XX/XXXX By Tuesday XX/XX/XXXX it hadnt shown up as paid and there wasnt anything saying it was paid online. Because of late fees and businesses eagerness in reporting late payments to the credit bureau I went online and checked and was going to pay it if it wasnt paid, but decided not to so I didnt hit submit, I hit the done key and called navy federal. I was told they didnt see a payment and couldnt determine if it was paid. It was Tuesday and even if Monday is a holiday the payments and other activities are updated by all banks by then. Then on Wednesday XX/XX/XXXX. Two payments were taken from my checking account. This isnt the first time they have taken two payments by mistake and last time the refusal to pay fees associated with this. I filled a complaint with the cfpb and the asked for an extension and wrote back at the end of the extension with untruths. This time the raised my minimum due amount against the rules to cover the second payment which my bank got back from them. I called and was assured it would be changed to the correct minimum payment but it wasnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Suntrust Bank soon to be Truist charged {$38.00} do a {$4.00} transaction. 4 transaction each charge was {$38.00} each. That's a rip off. How can you charge {$38.00} to clear {$4.00} {$38.00} to clear {$10.00}

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 explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an account from XXXX for {$75.00} and a few inquiries on my report that I do not recognize

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 2017-07-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection agency is reporting on my credit reports for a debt that has never been mine. Someone has used my information for an apartment that I have ever stayed at. If they did a skip trace, look at any recent inquiries or credit reporting reports this address has never been attached to me. I stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX from XXXX through XXXX. Then, I moved to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX where I am still residing. This is not my debt, I pay my rent timely. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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 have XXXX XXXX XXXX discharge and my credit score went up fell went up and fell again.. what is the meaning of this ...

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 2022-01-29
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$3500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$2500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$1000.00} We paid the company " XXXXXXXX XXXX XXXX '' painting company and never received services rendered. We are on vacation for 7 days and they said that they started painting our house and set pictures that it was almost complete just to come home to a home that was never painted and we have fought and tried to solve it with the company but it one excuse after another with 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 non-monetary relief
Consumer complaint received 2020-01-09
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: Account status incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a dispute with TransUnion for reporting a inaccurate balance on my XXXX XXXX account. TransUnion removed the account completely. I called TransUnion and the stated that XXXX was not reporting to them- however XXXX proved the were reporting to them. 

I need XXXX to show on my TransUnion 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 2017-07-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have XXXX XXXX XXXX discharge and my credit score went up fell went up and fell again.. what is the meaning of this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Credit Karma, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On or about XX/XX/2021, I logged on to Credit Karma to view my credit score, as I do on a regular basis. On the Dashboard overview of my credit report summaries, Credit Karma suggested that I apply for refinancing of my auto loan due to my high-interest rate. It was stated how much I would save each month, which would be significant savings. I was excited about this because my student loan monthly payments were due to start again at the beginning of the year. When I logged onto my Credit Karma account that day, I was not shopping for auto refinancing. 

I believe there were three auto refinancing companies to choose from, each showing their interest rate and my new monthly payment. I chose the company called AutoPay. The options shown made me believe that I was already pre-approved for auto refinancing. I thought this must be due to a large percentage already paid off on my original car loan in a short amount of time and my timely monthly payments. 

I received an email from Auto Pay on XX/XX/2021 giving me their loan findings. They sent my personal information out to several other auto financing companies and all the companies pulled a hard credit check on me. AutoPay said they could not approve me and try again in the not too distant future. They acted like this wasn't a big deal and try again. I was devastated because I believed I was already approved for the refinance with a lower interest rate and monthly payment.

Credit Karma was and is still posting that my auto payment is too high and to refinance my loan with AutoPay.

I am submitting this complaint due to misleading advertising practices and not making it clear that AutoPay is not an actual loan company but just an auto loan broker. Therefore, my personal information was sent to many other auto refinancing companies. They placed hard inquiries on my credit reports and I am still receiving denial letters from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-09
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an international student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX   XXXX DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX. XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2017-07-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reviewed my credit report and saw that I had a public record for a tax lien, unaware of this I contacted the state of Georgia, they advised me that this was done in error and sent me the paper to send to the credit agencies because they was n't able to remove it, the credit bureau had to ... I sent it to all 3 bureaus and was deleted from my report .... that was years ago! All of a sudden equifax has reported this again making it reappear on my report after they deleted. How can that be legal? How can they delete it knowing this is a error and years later report it again?! I disputed online and they claim it 's verified to be mines. Not once did I say it was n't, what I 'm disputing is the fact that it should n't be reported and I provided them that proof from the state of GA and they deleted only to come back years later to report it again. If they do the research and see that the information was sent to them cause if it was n't it would n't be deleted in this first place. The business practices that equifax is doing is unjust and also is against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Colony Brands, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Identity was stolen and used to apply for a store credit card and purchases were made. 

The Store : Ginny 's ( Loss Prevention Phone # : XXXX ) Acct # : XXXX I contacted Ginny 's Loss Prevention Division and spoke with XXXX XXXX of this year. They required me to file a report with Identitytheft.gov I did but my account there has been closed? Not sure why?? 

Another representative at Ginny 's who I spoke with today ( XX/XX/2022 ) said to file a report with Identity Theft and return that report to them as I keep getting sent statements from them. 

My navigation of the Identity Theft website linked me here to resolve this issue- can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I submitted a dispute with XXXX for reporting a inaccurate balance on my Discover Card account. XXXX removed the account completely. I called XXXX and the stated that discover was not reporting to them- however Discover proved the were reporting to them. 

I need Discocver to show on my XXXX report.

Company response to consumer: Closed with non-monetary relief