BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
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: Problem with personal statement of dispute

Complaint:
I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hello, I have a problem with XXXX XXXX Comenity Bank. I had a balance of {$1000.00} due on XX/XX/2021. I paid the amount in full on the date and four days later they charged me interest of {$17.00} on the amount I had already paid full amount. I believe they are double cycle billing me. I thought if you pay the full amount on or before the due date they would not charge you interest but they have. I called customer service on XX/XX/2021 discussing the issue but they stated the interest was charged on the the amount of {$1000.00} of the last month but if the amount was paid in full why am I being charged interest on it for the next month ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
please see attachments. I HAVE TRIED TO OFFER TO PAY THIS DEBT  ON 3 DIFFERENT OCCASIONS IN EXCHANGE FOR MY PROMISSORY NOTE. I CONTINUE TO GET THESE OPEN ENDED LETTERS THAT MEAN NOTHING NOR ARE THEY COMPLYING WITH MY CONSTENT REQUEST FOR MY PROMISSORY NOTE IN ITS ORIGNAL FORM. MEANWHILE THEY CONTINUE TO LIST A {$0.00} DEBT ON MY CREDIT REPORTS. THEY REFER ENCE ME TO   XXXX   XXXX   XXXX   XXXX   FUNDS WHICH BOTH BEEN DELETED OFF MY CREDIT REPORTS FOR INACCURATE INFORMATION. MY HANDS ARE TIED AND I 'VE DECIDED TO LEAVE THIS MATTER IN YOUR HANDS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on   XXXX   My original complaint : I received a dispute summary report from  XXXX   XXXX  and I see  XXXX   XXXX  closed my home Equity loan account #  XXXX  on  XX/XX/XXXX  with a  XXXX  balance then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on  XX/XX/XXXX  with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo  response : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on   XXXX   XXXX   XXXX  . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We want  ed to speak with you directly but were unable to connect with you at the phone number ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo, no documentation, no payment notice, no account number info or return address?
2 ) Their is no " Active   Foreclosure '' as my home was foreclosed on in   XXXX   XXXX   XXXX   by  Wells Fargo  while I was going though their modification process? yet another false statement.     3 ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.
4 ) Wells di  d not try too hard to reach me as I called their POC  XXXX   XXXX  at the number provided  (   XXXX  ex  XXXX  ) within their canned    XXXX   XXXX   XXXX    letter to me in response to my complaint and left numerous messages and contact numbers?    5 )  If  Wells Fargo does not wish  to resolve this issues amicably then I will have no choice but to use this very loan that  Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells is held responsible for their wrong doings and support of predatory lending practices.

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 2021-11-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to XXXX, Equifax, and XXXX in regards to items listed on my credit report that are not supposed to be there. No changes have been made to my credit report even after sending certified letters requesting the items be removed immediately since these companies have failed to respond to my previous letters before I seek litigation. 
As a consumer I there are laws in place to protect me and these companies continue to be willfully non-compliant. 
I am seeking the help of the CFPB to intervene at this point. 
I will upload all items that were sent to these companies as well as proof of their receipt of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Switched mobile carriers due to a promotion and my former company XXXX did not comply with my consumer rights to provide info needed and now trying to collect on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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:
My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: MO
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've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

1. XXXX XXXX XXXX  {$700.00} 2. XXXX XXXX XXXX  {$120.00} 3. XXXX XXXX XXXX  XXXX 4. XXXX  XXXX XXXX  XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX  XXXX unknown 7. XXXX XXXX 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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to Transunion, XXXX, and XXXX in regards to items listed on my credit report that are not supposed to be there. No changes have been made to my credit report even after sending certified letters requesting the items be removed immediately since these companies have failed to respond to my previous letters before I seek litigation. 
As a consumer I there are laws in place to protect me and these companies continue to be willfully non-compliant. 
I am seeking the help of the CFPB to intervene at this point. 
I will upload all items that were sent to these companies as well as proof of their receipt of these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: CO
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:
Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Reliant Capital Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not been contacted by this de bt collection agency, but apparently they were able to contact IRS/  XXXX    to collect my tax refund. It seems absolutely absurd that no notification or attempts to collect a debt ( that I did n't know about ) could be just taken from me. I tried to call the company, received several calls from different numbers, only one left a message. Every number called has numerous reports of fraud. I would have been making payments on these had I known about them as I am making payments on all of the student loans that I thought that I have )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In   XXXX   I had a  XXXX , I contacted  Wells Fargo f or a temporary payment plan while I was in recovery.As I called to make sure that I did not default on my mortgage I got different stories. The end result was to reapply for a loan modification.Then  ASC  was the servicer.     I work in a resturant and have a 20 % investment in the job where I work.  Wells Farg  o/ASC req uested tax return from the  XXXX  where I work. I had to beg the owner to allow me to show the tax return from their business.Now after going through all of that the person that was working on my file was transferred and the new woman assigned said that they did not need it.     If I sent  Wells Farg  o/ASC wha t they requested today in the next  two  days they would say the Underwriting was asking for this or that ..and then come to find out it never made it to Underwriting yet.   Then there is re-entry and they told me that there is absolutely nothing that I can do to save my home from foreclosure. They said I have used all of my chances and they will not consider any help for me!   I have saved money that I could pay a good faith down payment and go on trial payments toward a plan to save my home. They absolutely would not discuss it.

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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I mailed a M ultiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  to Transunion by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017 . The request that I submitted included hard inquiries that were not factual and I received the same response fo r ALL inquiries, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA must delete the disputed information from its files. One can assume that there was no investigation into the matter due to no reponse. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. For hard inquiries that do n ot belong to me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern for credit worthiness by a consumer.

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 2019-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 credit card accounts with Bank of America that originally required separate logins to access the accounts online. Sometime back they changed this to allow for a single login for both accounts.

While this may seem to be better for the customer, there is a significant problem with the web site setup that causes the customer to sometimes pay the wrong account and result in the customer paying additional late fees. When I open the website card # 1 is at the top and card # 2 at the bottom, however when I click on the bill pay button the order is reversed. As a result of reversing the order the customer may mistakenly pay the wrong card unless they carefully inspect the account numbers ( which is in small print ).

I talked to a Bank of America agent who said SHE HAD MADE THE SAME MISTAKE and understood why it was confusing but nothing she could do about it. I find this reversing of the account order to be very deceptive and believe it is setup this way to trick the customer into paying the wrong bill for the purpose of collecting additional fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: LTD Financial Services, L.P.
State: CO
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:
Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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 accounts missing. XXXX XXXX XXXX XXXX stated they sent a request to transunion XX/XX/22 with a request to add all my accounts back with a good paying history.

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 2021-11-18
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Commonwealth Financial Systems, 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:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under Commonwealth Financial. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Navient Solutions, LLC.
State: NY
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:
In the l ast four days  I have been called repeatedly by  Navient that  my loans are ok, except fo r one that the Vice Presidnet of the  company decided to cut from my repayment plan because " my co-signer can afford to pay more than we had agreed to. '' Both myself and my cosigner, my mother, are on extremely tight budgets.  Navient ag reed to a repayment plan in   XXXX   XXXX   XXXX   with us and we submitted all requested documentation for all my loans.. In   XXXX   XXXX   XXXX   the harassing calls started and we were told that  one particular loan was rejected by the Vice President of Navient o n    XXXX   XXXX   XXXX    because he said my cosigner can afford to pay more than she already has.   We have been fighting with them since  XXXX  and they refuse to send either  one of   us a letter stating this or a reason as to why we were rejected on the  one loan   repayment. On   XXXX   XXXX   XXXX  , I was called and harassed  five times within three  hours that I must pay them an extra {$100.00} a month or they will file my loans as delinquent and demand full repayment of {$32000.00} on    XXXX   XXXX   XXXX    for this one loan that I have a cosigner for.   I have explained that I can not afford to pay this extra extortion on top of the {$510.00} a month I pay. This is an undue economic hardship and it is extortion to demand that I pay them extra or they will call the full {$32000.00} due in less than a week. When I asked what my options were, I was told " we do n't have to do anything for you, this was a courtesy call to inform you that your payment must increase to stay out of default status.  '' Navient uses  an autodialer, and calls me from several different numbers that are from across the United States. I asked what numbers I am supposed to reply to and why they call me from Virginia, Texas, Tennessee, New York, Florida, and Delaware and they told me " that it was none of my business so long as I keep paying my loans. '' I 'm unable to continue to repay them at these rates when I already work full-time, but I know they are trying to coerce me into paying more so they can make a profit.

Company response to consumer: Closed with explanation