BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Attached is a listing of payments that I have made since start up to now. As shown in that list, the last disbursement was on XX/XX/XXXX, but basically it seems that I started really making payments after CAPITALIZATION on XX/XX/XXXX. So the original principal was {$8700.00}. I have 10 years of paying an average amount of $ XXXX/mo, and, incredible enough, the unpaid principal balance is still ( see listing ) up to XX/XX/XXXX about {$3800.00}. 

I'm no expert in accounting, but it seems to me too much time for the balance to still be that amount previously said. I'm planning to pay more every month to advance faster, but I don't have a good job and therefore I'm not getting a good income, so I would like somebody with legal authority to check and see whether there is something that can be done. I feel I have already paid that loan. 

10 years x 12 = 120 months x XXXX = {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CRA  is erroneously reporting negative items on 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 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 have so many hard inquieres in the last months I send pictures of the hard inquires in my credit report of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: BBVA FINANCIAL CORPORATION
State: AZ
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:
Sunday XXXX XXXX XXXX we noticed that {$5000.00} had been charged to our checking account at, BBVA Compass Bank, 2 days earlier. The Bank has no fraud department to report to weekends. Monday XXXX XXXX we went to the banks branch office and reported the fraud. They told us they did not handle such things! Instead they contacted the head office fraud department and we had to wait for 1 hour before anyone answered. Finally the fraudulent activity on our checking account was reported, the account itself closed and we opened a new account. At that time we asked when the we would have our money back in order to pay our upcoming bills. We were told when the investigation was done and that could take up to 10 business days. After 10 business days we contacted the fraud department again and we were told it can take up to 90 days or more. We know under Regulation E, the bank has to reimburse us in ten days but obviously they refuse with no further explanation. We have been clients with the bank for 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 an 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 non-monetary relief
Consumer complaint received 2017-10-18
Company: BARCLAYS BANK DELAWARE
State: MI
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:
My account is with XXXX XXXX XXXX It is XXXX card. I set up the account so that I could pay it on line. When I went to pay the bill this month, the website would not let me pay it. I mean that when I clicked on the tab to pay it nothing happened. I tried several time before I called the number on my card. The automated system on phone asked if I wanted to pay a bill, I tried that. Again I was not successful. I finally went to a customer service representative who allowed me to pay the bill. I payed the bill in full. I then closed my account. Now I have an interest charge of {$29.00} on a closed account that is closed and has a XXXX balance. I am also informing XXXX XXXX XXXX of my action here so that they are aware.

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 2022-06-10
Company: EQUIFAX, 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:
XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXXXXXX 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 an 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 2019-07-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, a bank-to-bank payment I scheduled through WellsFargo.com was processed incorrectly, causing my other bank to flag it is fraudulent. I contacted my other bank immediately, approving the charge, but as it had been blocked Wells Fargo suspended this account for transfers on XX/XX/XXXX, refusing to let me rectify my checking account balance OR pay my associated Wells Fargo Credit card. I contacted Wells Fargo on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have my Bank-to-bank payments reinstated for this account, but in all but one case I have received a canned response with a different name of a supposed " Wells Fargo Associate on it. '' The one time I did receive a personalized response, from XXXX XXXX, she still failed to actually read my message or make a relevant response, instead going of on a totally unrelated tangent. I have not been able to reach her since and none of the supposed " associated '' ( bots ) will respond to my followups.

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 2017-06-28
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have always maintained perfect repayment history with all my creditors. I recently applied for a line of credit and was denied due to a negative account on my credit report. I got my report and found an unfamiliar account stating that I owned {$360.00} to XXXX a home security company. I called the company directly to dispute this charge, stating that I had not signed or authorized any contract agreeing to any home security system ; ever. I realized I was the victim of Identity theft and asked them to remove the charges and refrain from reporting this to the 3 credit Bureaus. The company XXXX refused to remove the charges even after a dispute from XXXX Credit Bureau. Because this company has no signature or valid authorization, I am seeking help from the CFPB to assist with this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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: Account information incorrect

Complaint:
The company reported to both TransUnion and XXXX  that my payments were late from XXXX XXXX XXXX three times as late by 30 days then twice as late by 60-89 days late. I had paid on this loan within the 30 day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XXXX as late for all three months, thus prompting me to believe this was in retribution. I paid this on this account $ XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XXXX and now, XXXX. I paid off my loan in full and closed the account during XXXX ; my new loan was just established XX/XX/XXXX and was absolutely current for XXXX. 3. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.

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 2022-06-10
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:
XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.

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 2017-10-26
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Problem with personal statement of dispute

Complaint:
I have factual documentation regarding a dispute I filed with Toyota Motor Credit creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my credit score has dropped substantially Fromm XXXX to the 500 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: FL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2020-11-05
Company: Kriya Capital, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I canceled my XXXX XXXX XXXX XXXX XXXX service in XXXX and switched over to XXXX. During that switch over their was a problem with XXXX XXXX XXXX switching my home phone number over to XXXX. I could not cancel my XXXX XXXX XXXX service until this was completed because of my age and health, I nee a land line. A day after the phone number was switched I cancelled by XXXX XXXX XXXX service. XXXX XXXX XXXX continued to bill me for service that I did not want, need or used during this time. I contacted them numerous times and one accounts supervisor said he would reverse the charge and close out my account. This never happened and my account was turned over to Credence XXXX XXXX debt collector ). I received a letter from them trying to collect this unpaid balance and I wrote back and explained the situation to them. During this time Credence reported by account as delinquent even though it was being disputed, {$250.00}. My credit rating has dropped from just under XXXX to XXXX because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The company reported to both XXXX  and XXXX  that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by 30 days then twice as late by 60-89 days late. I had paid on this loan within the 30 day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XXXX as late for all three months, thus prompting me to believe this was in retribution. I paid this on this account $ XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XXXX and now, XXXX. I paid off my loan in full and closed the account during XXXX ; my new loan was just established XX/XX/XXXX and was absolutely current for XXXX. 3. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.

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 2019-07-25
Company: Ad Astra Recovery Services 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:
AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, XXXX, and XXXX. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. 

OnXX/XX/XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? 

The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not  possible. 

The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? 

This company is reporting this INACCURATE information to all 3 Credit Bureaus. 

I know I have rights and I feel that this company is violating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Ocwen Financial Corporation
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted OCWEN Loan Servicing about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX account number XXXX amount of {$960.00} opened on XXXX XXXX XXXX account number XXXX amount of {$100.00} opened on XX/XX/XXXX XXXX XXXX account number XXXX amount of - limit {$500.00} opened on XX/XX/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 : Also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I previously submitted a dispute for XXXX on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX XXXX   XXXX XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful

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