BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent requests to Experian to delete incorrect personal information on my credit report on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The false information reported on my credit file has had a damaging impact on my credit worthiness. 

I have provide numerous letters, including proof of address and Identity each attempt and there has been no action or response.

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 2016-02-12
Company: RevSolve, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The company that called is revsolve inc.. The number is XXXX.. They have been harassing my personal cell number which is a do not call number. Secondly both the Representative and supervisor would not acknowledge that it was a debt collector, or.explain what there company but give me there company name.XXXX they were trying to obtain the debt. I spoke to them many times, to have my number removed from their call list. The person they 're asking for, which they gave me their information, does not have this number. I 'm not aware of all the laws, but I 'm pretty sure if you 're trying to collect a debt you have to be notified of that. Secondly I 'm assuming it 's not good practice to have a debt collector call your personal cell phone. I hope this gets resolved, and I hope the FTC or some other government agency can look into their bad practices. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chrysler Financial placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached Chrysler Financial Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in back in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting Chrysler ( Now doing business as TD Auto Finance ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX 's let the vehicle sit on that lot for 5 months and failed to notify Chrysler. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that Chrysler dba T.D. Auto Finance immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is AMEX which was opened XX/XX/2018 with a balance of {$1300.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a letter from Capital One indicating they suspected I was a victim of identity theft. I talked to them over the phone and they promissed they would resolve the situation by doing their own investigation. after that I received another letter which states that they concluded the investigation and they concluded that I am responsible for a debt of over {$4000.00}. I have tryied to contact the Fraud associate that was assigned to my case many times and left multiple messages. I have never been able to reach her or get to a resolution. I have called Capital One and try to speak to someone else, but they keep referring me back to the same person and noone seems to care to assist me. today I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Navient Solutions, LLC.
State: OH
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 XXXX I was going to update my income for the year with navient student loans and then President Biden put a pause on payment so I stopped at that point. XXXX sent me a bill anyway for something like {$2000.00} and then in XXXX President Biden put the pause on payment until 2023 and that again send me a different bill for a little over {$1000.00}. There's {$900.00} there for I don't know what reason there's a charge for late fees but it doesn't explain why and in a regular payment of approximately {$14.00} I can't survive at my age of XXXX pay a house along with inflation otherwise I'll have to live on the street. I need an amount that I can pay that makes sense I'm unlimited income I'm already working a part-time job just to try to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I concern with the Inquiries on my credit report. I did n't authorize these listed that I sent back in to Experian to investigate how they got their. I did n't give my consent verbally, written, or electronically to pull my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: MEMBER FIRST MORTGAGE, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Member first mortgage continues to report an incorrect balance due to the credit bureaus. 
XXXX XXXX XXXX reported an increase to the balance due of XXXX. XX/XX/XXXX reported an increase of XXXX to the balance due. XX/XX/XXXX reported an increase of XXXX to the balance due. So, they reported a balance due to the bureaus of XXXX But if I login to my account, the actual balance due is XXXX approximately. I have asked them multiple times to fix it starting XX/XX/XXXX. Instead of fixing it, they added more to the balance XX/XX/XXXX. I keep getting excuses from them that they are working on it, it's a system error, blah blah blah. A dispute has been filed with XXXX and also a complaint with the local XXXX. Nothing has been done.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Out of the blue, I get a call from : Pro Collect XXXX TX They were extremely rude, and insisted I owed for a XXXX XXXX electricity bill from 2013. I told them I never had that service. I asked them for details. They would only provide them by mail after I gave them my current address. They insisted I pay the debt immediately or they would report the non-payment to the credit bureaus. They sent a statement for a bill for a person who shares my name ( or used my name ), and lives or lived at a place in a part of the state I have never lived. 

I sent them a certified letter disputing the debt and asking for proof, such as an original contract, that the debt was mine. They responded only with the same billing statement from XXXX XXXX and stated the debt was mine.

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 2015-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account was charged off and sold to a Debt Collection Agency. I have since paid the debt in full. My first issue is that the information reported is inaccurate and differs on all XXXX of the credit bureaus records. The second issue is that the account is showing a status of " late ''. The account is n't late. The account has been paid off. There are n't any pending payments they are awaiting. I 'm not late on payments. This is hurting my credit score. The third issue is that I 'm a NYS resident. In NYS paid charge offs report for XXXX years. According to the credit bureaus the account status will not allow me protection under NYS law due to how the account is being reported to the credit bureaus. The information that is reported is inaccurate and misleading. The information as reported is hurting my credit score and will make it difficult for me to secure services at a competitive interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I do n't see the logic behind a credit freeze being offered free of charge with a valid police report but forcing the ID theft victim to mail all the sensitive information. This is punishing ID theft victims instead of those who choose to file the freeze online for {$10.00} with each bureau. 

The credit bureaus seem to be coercing individuals to pay the {$10.00}. Being the victim of a recent identity theft, I feel uncomfortable mailing all sensitive information such as the requested copy of a drivers license and full SSN to have my credit frozen free of charge.

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 2016-08-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like to ask Experian to remove all the inquiries in which no credit has been granted. I have noticed that there are multiple old inquiries which are currently affecting my credit rating, but no debt has been obtained. 

I want those inquiries, including those unauthorized inquiries for companies trying to sell me a product remove. 

I currently see more than XXXX inquiries.

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 2022-10-20
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suncoast credit union closed my account, and I did not receive the money that I had in that account that was around {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: MO
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 Fair Credit Reporting act. The listed accounts below has violated my federal proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( c ) The term consumer means an individual. 

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for

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 2017-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Other fee

Complaint:
I opened a credit card several years ago with no annual or membership fees but was recently charged a {$19.00} membership fee that I never agreed to. When I called to have it waived they refused to do so and claim it was in the original terms of the account but it was certainly not. This is the first time it was charged after having the account for approximately 5 years so I clearly did not agree to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am not familiar with the reference number involving the bankruptcy being reported. No other credit agency is reporting this account but Experian. This reference number does not apply and the court has confirmed this as well.

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 2016-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian reporting account incorrectly in regards to date opened, date first reported and date of status, Original Delinquency date and terms. XXXX XXXX XXXX is reporting as if it is a new account. I have never had a loan with XXXX XXXX XXXX, nor have I ever submitted a payment of any kind to XXXX XXXX XXXX. It is my understanding this account was acquired after a merger and XXXX XXXX XXXX acquired the original creditor XXXX XXXX and as well as any outstanding debt. The original creditor XXXX XXXX charged off the account as of XXXX XXXX. Current owner of acquired debt XXXX XXXX XXXX is reporting the account as a newly opened as of XXXX XXXX. How is that possible? When the account was initially issued by XXXX XXXX in XXXX XXXX and was delinquent as of XXXX XXXX account was never brought current nor were there any additional payments made after going delinquent XX/XX/XXXX. Per FCRA The seven-year period begins 180 days after the delinquency ( the first missed payment ) that led to the collection activity or charge-off. The clock does not start ticking again if the account is sold to another collection agency, you make a payment on it, or you file a dispute with the credit reporting agency. Per the FCRA XXXX is required to report the original delinquency date. As of todays date XXXX/XXXX/XXXX this account has been reporting negatively on my credit report ( Experian & XXXX ) for 9 years and 10 months. After getting an attorney involved XXXX has removed as of a dated correspondence from their office on XXXX/XXXX/XXXX. XXXX must have responded to a request from XXXX. This creditor is completely disregarding the FCRA by deliberately reporting inaccurate information as well as Experian is reporting incorrect information. I believe XXXX XXXX XXXX has a moral responsibility as a financial institution to report correct and accurate information to the credit bureaus and Experian should review and verify documentation to know they are correctly reporting verified. Due to this inaccuracy I have recently been denied credit as well as housing.

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 2022-10-20
Company: BARCLAYS BANK DELAWARE
State: NY
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 payments are made by auto pay on my Gap XXXX  reward card/Barclays. Barclays had an issue with their system duplicating payments for my payment on XX/XX/XXXX. My bank, XXXX XXXX stopped the duplicate payment, and then Barclays realized they took a duplicate payment out of my account, and then they took back the payment. XXXX XXXX realized that Barclay 's corrected the duplicate payment and sent my payment again on XX/XX/XXXX. Barclay 's claims they did not receive the payment, only received the reversal. I have emailed my bank statement to Barclays Resolution department showing proof of payment, 3 times, to XXXX. I have spoken to 3 different Managers. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last manager I spoke to on XX/XX/XXXX, her name is XXXX, told me that my bank statement is not enough proof of payment. She requested I get something in writing from XXXX XXXX. She then called XXXX XXXX while we were on the phone together to verify my checking account # and routing #. The XXXX XXXX representative also confirmed verbally the payment was sent to Barclay 's and received. Even XXXX XXXXXXXX told the Barclays representative, that what you are asking for is against banking policies, the bank statement is proof of payment. XXXX XXXX also provided me with the Trace ID of the transaction, and that does not seem to be enough proof for them that I made the payment. 
At this point, I have provided proof and they still have not applied my payment. I do not know what else to do to resolve this situation. Furthermore, I never received anything in writing from Barclay 's about the duplicate payment issue, I only found out about it on XX/XX/XXXX when I tried to make a purchase with that card, and it was declined by Gap. I still have not received any notification that they have received my statement and are looking into the issue. All I want is for them to apply the payment that I sent.

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 2022-10-20
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Credit Limit was {$50000.00} and unauthorized Banking Transfer of {$49000.00} was added to account. Homeowner was confused so stopped making payments. On XX/XX/XXXX, homeowner and I called lender and were told the XXXX Department would research and put a hold on foreclosure, XXXX. On XX/XX/XXXX and XX/XX/XXXX, the homeowner was contacted by the lender 's Fraud Department but they would not allow the HUD certified housing counselor to join the call and would only speak to the homeowner. Difficulty reaching the Fraud Department through many transfers and no answers about investigation given. On XX/XX/XXXX, told there was no person handling the account and there was a charge off, but the homeowner 's monthly statements continued to include the extra {$49000.00} plus interest and late fees. Homeowner submitted a Request for Mortgage Assistance and her Point of Contact noted the Fraud investigation and said he would try to get the balance down to {$50000.00}. On XX/XX/XXXX, the Fraud Department stopped communicating with the homeowner. A 3-month trial payment plan was offered including the entire disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: AR
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:
Since my XX/XX/2020 complaint, there has been NO correction to my late payment of account # XXXX, although I have file more disputes. This account XXXX XXXX XXXX is a consolidated IDR/IBR under DLSTFD loan program reducing financial hardship, allowing me to make one payment for my student loans. All 3 Credit Bureaus XX/XX/XXXX Experian and XX/XX/XXXXare reporting each loans outside of the consolidation account # XXXX XXXX XXXX, as an individual, reporting 18 times late payment, under XXXX FDO, .account. This 18 reporting late payments are inaccurate reporting, under the DLSTFD loan program, consolidated loans reduce hardship by assigning a account number XXXX XXXX XXXX. This DLSTFD loan program allow me to make 1 payment for all my student loans. Please investigate and remove from 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