BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-31
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: Public record information inaccurate

Complaint:
A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: MORTGAGE SOLUTIONS OF COLORADO
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had went through the loan process to obtain a home through Mortgage solutions of Colorado. We had a pre-approval of {$350000.00} in XXXXXXXX XXXX  XXXX. I had a guarantee that this company would get me into my home. We began looking for a home. We had found a home and going through the process of obtaining it. I had put down the earnest money for it and everything else. Finally it came to a few days before closing. The closing date kept changing because the underwriters kept wanting documents and statements regarding items on my credit report. I had made everything current that they had asked for such as my credit card and another loan. I even went through the process to allow them to talk to my creditors and prove I was current. The day we were supposed to close they denied me because even though I made current on my credit card and proved it, it still showed I was late on it. Now they have left a veteran and his family XXXX  and have not made any attempts to fix the situation by giving the monies back that way paid into it. It has been 48 hours since the phone call denial and after numerous attempts to get documentation of the denial, they have yet to send it to me or my realtor. They left our family XXXX  and they left the sellers XXXX  because the sellers moved out and were living in a hotel until I was able to close so they can get their home. I had asked for the denial letter numerous times so I can proceed with further legal action if possible. I have tried to obtain contact information so I can speak to the President but no one is willing to give it out. No one has since contacted us or anything since my denial to see how my family was doing or try to find a way to fix the situation. Keep in mind this was all over a credit card that was showing late on my report even after varifying current status. In the state of North Carolina it is illegal for the lender to guarantee me a home all the way up to closing and then deny me the day of closing. I feel like I was scammed just so this company can make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Navient Solutions, LLC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Navient Student loan company stated, They were taking over my student loans and was funded by Department of education, which is a complete utterly lie! Now this had devastate my credit score. Also I have paid thousands of dollars into a company that doesnt exist!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The direct express debit card that my SSI benefits are going to has been hacked. The hacker or whatever took a sum of {$1100.00} out of my account early this morning. The lady " XXXX '' from the debit card company left me on hold for 3 hours and when she finally got back on the phone she said there's nothing she can do. The transaction is still pending. After reading a few articles about this service and hearing the horror stories I discovered your website. We really need help. That was our rent money. By the way now we can't get anyone to get back on the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

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

The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient grossly mishandles loan payments. While it is apparent that the lender receives the overwhelming majority of protections compared to students that take out loans, Navient payment processing is worse than any other payment processing I encounter for various other loans/recurring payment apps ( car loan, bank loan, credit card payments, etc. ). 

If I make a student loan payment on the same day as the other payment types mentioned above, Navient will withdraw the money from my bank account before the other institutions that I make a payment to - and yet my Navient payment posts to my Navient account after every other payment I make. This is not a problem, except that Navient is constantly assessing interest on the amount prior to the payment. There is no reason that Navient should be able to charge interest on an amount they have already withdrawn from my bank account. 

Not only do they mistreat lenders financially, but they leave no other alternative to changing loan servicer other than consolidating loans to switch servicer. This is a poor option for myself and many other lenders since interest rates and amounts borrowed can fluctuate from one academic year to the next, especially if you receive a graduate degree and use federal student loans to pay a portion of expenses ( since these interest rates are higher than those for undergraduates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a call from a telemarketer from American Express by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can American Express telemarketers just lie to us with immunity and without recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX University and during my studies at XXXX, there was an outstanding debt owed to them. When I left XXXX I provided adequate and precise forwarding mailing information of which they failed to capture. 2 years later I realized there was an outstanding amount of XXXX dollars and the school charged me and extra XXXX dollars of late fees assessment due to a negligence on their behalf for not capturing the correct mailing address. When I found out about this year I added it to my current loan provided then new information and in return they were suppose to give me a default letter clearing this matter. They have supported and email identifying receipt of the funds from a government loan institution and yet they refuse to give me a clearance letter knowing that I need to begin classes XX/XX/XXXX. I am really upset that my semester will be delayed because they simply are upset that I wrote them a very strong email identifying there error in managing this situation. I hope that they understand the ramifications and jeopardy they place me with on an educational stand point. They can easily give me a default letter but they seem to want to not help and have me miss my semester with the new school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Account wit h US Ban k received numerous charges from   XXXX     XXXX  ma. None of these charges were initiated by me or anyone in my family. I disputed all of these charges w  ith US Bank, and all were credited back to my account. Once charges were all credited back, I initiated to have previous card cancelled and new card issued.
Most recently, US Bank reversed one of these credits   for {$50.00}. The fraudulent charge occurred on  XXXX / XXXX /  XXXX   ; I disputed it and was credited on  XXXX / XXXX /  XXXX   ; US Bank reversed the credit on  XXXX / XXXX /  XXXX  .      XXXX  is a website hosting business to best of my knowledge from web searches I have done. I see a lot of fraudulent charges from this company when I search. I have no way or desire to interface with  XXXX  as these charges are fraudulent.     I have not activated replacement cards received from  US Bank pending resolution of this issue. Once this issue is resolved, my intent is to cancel this account based on poor customer service from US Bank .

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 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
THE ACCOUNTS THAT ARE BEING DISPUTED WERE NOT AUTHORIZED BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS LISTED. IT HAS BEEN BROUGHT TO MY KNOWLEDGE THAT THOSE ACCOUNTS HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FOR QUITE SOME TIMES AND I HAD NO IDEA HOW THIS HAPPEN. PLEASE IF THERES AN INVESTIGATION THAT CAN BE DONE TO HAVE THOSE REMOVE OFF MY CREDIT, PLEASE HAVE IT DONE TO CLEAR MY REPORT OF INACCURATE ACCOUNTS.

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 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I've been saving up to buy a new home. I've noticed some errors on my report that is hurting my credit score can you please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-08-04
Company: Grant Mercantile Agency
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018 I received a Bill from XXXX XXXX XXXX XXXX in the amount of XXXX. I then contacted them to prove that this was not me who used their service. After an investigation done by XXXX XXXX I then received another letter on XX/XX/XXXX stating that the results were that they could not identify who received their service. A couple of months later, I was contacted by Grant Mercantile collection agency. They were trying to receive the same debt from the afore mentioned dispute with XXXX XXXX XXXX. Grant Mercantile Requested that I send them a letter with a police report ( submitted case # XXXX ) and file a dispute with the federal trade commission ( report # XXXX ) and the letter from XXXX XXXX ambulance claiming this was not me as well. I have recently now received a notification on my credit report that Grant mercantile is still pursuing this debt. This is an example of predatory debt collection when there is no proof this was my debt and I have gone through the necessary steps to work with the agency. I am currently in contact with a local law firm to pursue legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

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 2019-08-04
Company: HYUNDAI CAPITAL AMERICA
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:
Kia motor finance Corp is reporting a balance of {$2700.00} from a lease I returned in XXXX of this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from Kia as well showing on my reports. Ive had 3 leases with Kia and the only current correct one is may of 2019 for {$21000.00} having 3 Kia accounts reporting balances increases my debt which is wrong.

Company response to consumer: Closed with explanation