BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax Information Services LLC XXXX. Box XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Was encouraged to apply for forebearance instead of income driven repayment. Was never told that forebearance opportunities were limited. I applied for income driven repayment after doing research on my own. Now my husband lost his job and is struglling to find a new one and I am struggling to make payments having already missed a few and abput to miss another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is re Kohl 's Store Credit : I accidentally typed in the wrong password and didn't notice at first resulting in me getting locked out of the account. I've tried calling several times to get accurate amounts owed. I can't get through- I'm told " you owe a past due balance '' ( that's b/c I couldn't get into the account to see balance, minimum due, etc ) and when I call- I get nowhere. They say I have to pay a balance due before they'll help me with the online access. WHAT? I'm not sending in money blindly ... ... every time I call, it's a 1/2 hour call or else I'm told to wait with an estimated wait time of 1-2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Ive repeatedly sent letters to this debt collection company in regards to this expired debt to how theyre violating my fair act debt collection practice act 15 repeated phone calls and letters

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This phone number ( XXXX ) XXXX belongs to Mountain Land Collection Agency in XXXX, Utah keeps calling me several times a week for over a month. It is a recording wanting me to call a number if it is not me or XXXX if it is me. They are asking for me by my first name and middle initial only saying it as through it is just my first name. I am unaware of any debt, do n't I need to be contacted by a company that thinks I owe them something first? I am fearful of calling back to find out what this is about, do n't want to be billed for a fraudulent call. this is a form of harassment! They leave embarrassing massages on my answering machine for my clients and friends to hear, it is ruining my business and my reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Experian Information Solutions Inc.
State: VA
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:
on date XX/XX/2021 i sent a dispute letter to experian concerning an account on my credit report. it is well over 60 days and experian has not responded to me, which i believe is a violation of the law. which means that they were unable to verify the information as well as complete an investigation during the alotted timeframe of 30 days. with that i am requesting that experian remove this account from my consumer report and my credit file and mail me an updated credit report. i am in fact who i say that i am and i also have included my identifying items to show that i am in fact who i state that i am

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 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a formal request to challenge the hard and soft inquiries on my TransUnion Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than XXXX days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within XXXX days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: TX
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:
there are inquiries that I don't recognize on my credit report that I would like for them to be removed.

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 2017-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. Experian and XXXX  just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. Experian and XXXX want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact experian and 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 explanation
Consumer complaint received 2018-06-05
Company: General Motors Financial Company, Inc.
State: MD
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 had a loan with GM Financial that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with GM multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing this complaint pursuant to the Fair Credit Reporting Act the Fair Debt Collection Practices Act. Stern Recovery Services has placed a derogatory collection account on my credit report that I have no knowledge of. The alleged debt that they are attempting to collect on is in the amount of {$540.00}. The original creditor is XXXX XXXX. 

I have no knowledge of this account and was never notified of my right to dispute and didn't even know I could dispute this matter based on the above mentioned Federal laws and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2016, I pulled my credit report from XXXX XXXX. I noticed that Equifax had deleted the XXXX credit card from my credit report. I have attached a copy of that documentation. In pulling my credit report today ( XX/XX/2016 ), you will see that Equifax has reinserted this credit card. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello CFPB, Paypal permanently limited my account for no specific reason. They also held my money in my Paypal Account email address XXXX and Its been 180 days. My funds are still on hold and every time I email or call them I get no solution at all for this problem. Would really appreciate your help. Thank you so much. 

Best Regrads, XXXX XXXX Paypal Account Owner - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I received a call from Citi yesterday - long story short, we are shy of 31 days paying the note and it was an oversight on our end ; sick baby, urgent care visits. The resolution from the call on XX/XX/2016 in the XXXX was that a double payment will be made by the end of the day ( we fulfilled on our end ). On XX/XX/XXXX, at XXXX I received an email dismissing what the agreement was. On top of already charging a late fee of {$37.00} and an interest of almost {$140.00} - I feel like I am being slapped in the face. Are the emails normal protocol. I feel that I was not given an opportunity to fulfill on my end when I did. Makes me, the consumer, feel irresponsible and out of compliance. I did call Citi and the customer service rep did not seem to care.

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 2021-06-20
Company: EQUIFAX, INC.
State: MN
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 sent out my first dispute letter to Equifax ( notarized ) on XXXX XXXX and they had thirty days to respond within that timeframe. They responded back and sent me my dispute results which I have uploaded as well. It clearly states the account status updated, payment history, and negative remarks removed / changed. I refreshed my credit report and got a notification from my monitoring app that the status was changed updated or changed back. They did not notify me at all of this change via mail since they have sent me my results after the investigation period. This has negatively affected my ability to obtain new credit and a mortgage loan. They never provided any proof as I requested in my letters from the original creditor, they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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: Account status incorrect

Complaint:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX I put XXXX on a bitcoin through XXXX  it went through fine on their side but when I went to check and finish set up on Coinbase wallet they had cut me off and I went to check the wallet it said wallet not found I never got to finish setting up my coinbase wallet and can't access my bit coin at all. The second time it happened on XX/XX/2021 I put XXXX on another bit coin on XXXX. The transaction went through again fine on XXXXXXXX XXXX side but has never showed up in my bitcoin wallet on XXXX. I have emailed support several times from XXXX and Coinbase and have not had gotten a response back from either one. There is no phone number to call just email or text also texed both companies and once again no response back.I put cash in the bitcoin machine and have the recipets to prove the money was put on there. But, has never showed up on the coinbase wallet or on the XXXX  wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2021 I spent numerous hours on the phone between XXXX  XXXX XXXX, XXXX XXXX and Equifax attempting to rectify misinformation about the discrepancies in reporting on : 1. XXXX  XXXX XXXX non-reporting on payments and with reporting that doesn't reflect accuracy of bank statement balance vs credit reporting to XXXX and Equifax. 2. Equifax reporting on XXXX. 

Currently my credit score went fromXXXX to XXXX and I was told it resulted from two hard inquiries of reach I secured XXXX more in credit from XXXX. The second inquiry was made by XXXX XXXX whom made a one time credit inquiry based on securing a home load. Both inquiries was made two weeks apart and should not have resulted in a 43  point drop in my credit score. I was informed that the 2 hard credit inquiries, negative payments and lack of information on my home mortgage was resulting factors in a 43 point drop on my credit score. I do not meet the criteria for either of the listings for the drop in my credit report. 

I have a case number for XXXX XXXX XXXX dispute and a pending dispute with Equifax on state items. 

In addition, I am a paid credit card monitoring member through Equifax and I have attained no help with resolving these matters on neither a pre or post basis of changes in my score and for its reasoning. The paid membership appears to be unassisted in its duties as outlined in the product service policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: CITIBANK, N.A.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Behind in payments on my daughters student loan, as co signor I got involved with the bank. On XXXX XXXX, 2015 they called and said I would have until XXXX XXXX, 2015 before it went to collection on XXXX XXXX, 2015. I made the payment that evening and it cleared that evening. The very next day the school paid the loan off in full without any communication with us either from the bank or the school. The school then sends the loan to collection without any communication with us and collection agency adds XXXX. I feel that the bank told me I had 30 days and the very next day closed the account out. Is this " fraud by deception ''? XXXX specialists from the bank assured me that the loan did NOT go into default and therefore was not going to collection. 



















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