BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax refuses to give me a free credit report. Equifax has never provided me with a free report since the implementation of AnnualCreditReport.com. 
1. From XX/XX/XXXX-XX/XX/XXXX, Equifax refused to provide me with a free copy of my credit report, stating that I did not know what my previous address was. I did not attempt to get a credit report from Equifax again until XX/XX/XXXX. 
2. XX/XX/XXXX, Equifax refused to give me a free credit report because I could not answer a series of false questions and answers. All the questions and all the answers were for accounts that I have never had or authorized. These include XXXX questions about a mortgage-I have never had a mortgage in my life. I attempted the " quiz '' 5 times XX/XX/XXXX and XX/XX/XXXX 
3. I submitted all the hardcopy documentation and forms required by AnnualCreditReport.com and Equifax on XX/XX/XXXX. 
4. I received a letter from Equifax on XX/XX/XXXX, dated XX/XX/XXXX, stating that Equifax refuses to give me a free credit report and that I must pay {$7.00} for a report. The letter also stated that I must re-submit all the documentation I already sent. 
XXXX. The other XXXX credit reporting agencies both provide me with a free annual report and all of their information and authorization questions are correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM

IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please del
ete the items as soon as possible.

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 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a credit card taken out in my name with a debt of over XXXX grand and Im trying to resolve it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was a student at XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The school was unable to help me finish, no one would answer the phone. A year later they sent me a certificate stating I graduated. I never received my diploma or stated I graduated. I never finished the classes. I could not get through to anyone. I left many many messages asking someone to help me. They gave me a lap top to use while I was a student but shut my lap top down so I could not even finish my work. I now have been fighting with NAVIENT to get these loans taken off my credit report. I am in a IBR and it is not showing on my credit report that I am on an IBR. It shows I need to make payments so my credit is very low and I am trying to buy a home but I can not bc they over charged me XXXX. Which is a whole other story linked to this awful school that has ruined my life. I can not find anyone to help me get these loans off my credit report. How should I be responsible for loans that I never finished or graduated from. Why will no one help me. Nobody cares I can not get through to NAVIENT they will not help me. I must get these loans updated that I pay {$0.00} am onth or taken off my credit and forgiven for the loans bc I never graduated and school shut down. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX, XXXX XXXX, a XXXX vendor, accused me of a late payment and attempted to charge me fees. It was only when I contacted the XXXX in that state XXXX admitted their error and relented. Now, Navient has accused me of missing a payment, even though I have bank records showing that the payment in question was made in XXXX ( although not due until XXXX XXXX ). I have submitted documents to the XXXX office once again, but I want some explanation as to why this continues to happen without any cause. I posited to the attorney general 's office that it might be a rather obvious attempt to " steal '' from individuals. Regardless, there must be some reason ; I do not feel I am the only victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: MS
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 US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I opened an account with HSBC. The account advertised {$600.00} ( {$100.00} XXXX per month during the first 6 months after account opening ). I called HSBC 5 times shortly after opening account online to confirm offer. The customer service representatives ( CSRs ) hung up on three times, got transferred once and finally the last CSR said for me to close account and reopen it however I could not do that on the call because my funds were not received. 

I also received 4 emails from HSBC that I did not read till XX/XX/XXXX. First email, stated my application ID XXXX time out. Second email, application XXXX was approved. Third email, provided me with the activate link and instructions of a 6 digit code that I deleted on the XXXX. I had no idea why I was getting 4 emails and a code to activate the account. Did the account opening platform failed to give me this information? The CSR certainly didn't tell me I had to activate the account. 

I don't think that I should have to open another account to have the bonus offer applied per the CSR instructions. Additionally, when you open an account the instruction that were sent to my email should be disclosed. How would I know that there would be 4 emails and a text following to activate an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2016-03-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX has been investigated for over 30 days and they are still reporting the wrong date opened. i also have not received proof of their investigation including a copy of the original signed contract. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to dispute with XXXX Trans Union & XXXX on many occasions trying to get my personal information removed & they refused to remove it. And account to 15usc1681 I didnt give anyone written permission to furnish anything 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was on a Shellpoint Mortgage XXXX XXXX which began in XXXX and ended in XXXX for 1 year. 
I was offered this by the lender, and this is a XXXX XXXX loan with federal Covid protection. This is regarding my mortgage forbearance Deferral request what was put in wrong by one of the agents who put it in as curtailment of income, and not Covid related. This should have not impacted my credit. Instead, my credit score has dropped from XXXX to XXXX. When I spoke to the agents during the process, I was told this is the only thing available and I was on the correct process which was wrong.

I am simply requesting my credit show how it should from a Covid situation, not a curtailment of 
income. I will continue to make all of my payments from this point forward, which is what I have always done other than the Covid situation. 
With my credit dropping over 200 points, It will stop me from doing my business and servicing my loans and could force me to lose my business.

I am still waiting for any response after multiple calls and emails. It has been 3 weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, 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 information incorrect

Complaint:
Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for XXXX XXXX XXXX in XXXX of XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. XXXX also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After completing rehabilitation, I talked to representative who set up payment plan. Because of my low income my payments were {$0.00} for a specified time. After the specified time elapsed, my loans would be forgiven. My application was accepted during this phone conversation. 

About a month later, I received a letter from Navient stating the above application was rejected because I did n't supply my income tax statement. I mailed Navient the necessary information. Although I supplied the necessary information Navient is sending " statements '' for approximately $ 400 monthly payments. 


Problem : I have not been able to resolve the issue with Navient because all Navient 's contact numbers are not in service. 
Problem : I ca n't resolve issue with XXXX because they claim to have no records since turning " everything '' over in 2012. 

After receiving another statement I spoke with XXXX who said the XXXX is handling my loan not Navient. When I called XXXX, I was told XXXX has not handled loans since 2012 and to call Navient at XXXX XXXX XXXX. This number was not in service. 

The numbers Navient has listed on its statement are not in service. Navients website also lists these nonworking numbers. 

Problem : I do n't know who is servicing my loans and how my loan documentation is being processed. The accuracy of my loan information and loan status are doubtful. 

Multibillion dollar companies like the ones involved should have working numbers and trustworthy reliable document processing. Every number I 've been calling is NOT IN SERVICE. Additionally, XXXX, XXXX and NAVIENT should know who has final authority to " service '' my loans. 

As a borrower I should not have to guess as to who is servicing my loan, my loan balance and if my loan payment status has been updated. 

The original plan should be in effect and I should not have to continue sending the same information repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Exter Finance LLC repossessed the car from me XXXX XXXX, 2020. According to the credit report, they're reporting that they never received a payment that isn't true. They ended up selling the car for {$10000.00} and sent me a letter that after the reappraisal of the car. I owed {$0.00} and it would be cleared from my credit. I notice they keep updating negatively which isn't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I continue to receive phone calls from Wells Fargo Home Mortgage that are harassing. They will call me, I answer, the representative will wait on the line from XXXX7 seconds and then release the call. I have repeatedly called back to gain assistance from " supervisors '' as to why the harassment continues and they can never give me a reason. I am transferred around for a minimum of XXXX30 minutes to no avail. Today I was told, " the employee that called said you were unavailable '', which is falsifying company documents. They are required to state who they are, the company with whom they are calling from and the business reason for the contact. The supervisor I spoke to today stated, " Well, if you know it 's about your mortgage what does it matter if they 're hanging up and not speaking? ''

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 2023-01-21
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 XXXX XXXX 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is again pushing their terms on me but years back I asked for proof and documentation that I am bound to Bank of America terms. Yes, this is an old issue but BOA has never provide proper and appropriate documentation. My loan originated with XXXX XXXX, then Countrywide and the question is not IF the loan could be transferred but instead simply want the legal details and documents of the transfer. BOA has sent my original loan docs probably 6 times, their terms countless times, they have said I need to contact others ... None of that is what I am looking for as again, this is not a question of 'if ' just the 'how ' which is the legal transfer of the loan, something signed or sealed by the court ... I however feel those claiming to service the loan and those benefiting from the servicing should be able to provide something as fundamental as this legal documentation, really seems like I should and could stop making my payments until BOA provides this. 

Now for the insurance issue, I do have current coverage on the home and when BOA provices that information, I will turn it over to BOA. Now that BOA can no longer pull money from my account as well as they have done so illegally in the past, I now wonder how they will deal with this?!?!? They can bill me and charge me fees, but I will re-state that my payments are only authorized to be used for principle and interest payments, if BOA terms state differently, then again, prove I am bound by those terms but also consider that the second I provide proof of my coverage, that means BOA is completely wrong with whatever actions taken and I 'm still pretty sure one day all of this will end up in court and the list of BOA illegal and/or unethical and/or inept actions have done nothing but expanded and I 'm guessing it will be interesting, and bad for BOA, when a judge sees what BOA has put me through. Of course I wish the CFPB would actually do their job but that seems like a stretch at this point. 

I will state again so there is no confusion, the payments I currently make to Bank of America are to only go to the principle and interest payments on the account, no part of the payments are to be used for fees or other charges. Further, I request all fees to be presented in writing and via USPS mail service, not digitally since BOA deploys deceptive reporting in an effort to confuse consumers ( using a general ledger format ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-08-11
Company: Eastern Revenue, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Eastern Revenue Inc are harassing me for debt and reporting false information to the credit bureaus on which I have no knowledge. I have never heard of this company nor have I agreed to do any sort of business with them. I have no written or verbal agreements whatsoever with this company. I would like to give you information such as an account number for this alleged debt however as I have never done business with them, they have not provided me with such information.

Company response to consumer: Closed with explanation