BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have several Student Loans. I consolidated and then other companies purchased the Student Loans and the incorrect balances carried over from XXXX to XXXX to XXXX XXXX and now Navient. I made a payment of {$25000.00} in 2007 and now this payment does not show it was a credit to my Student Loan. Either the Balance was not credited or the new Student Loan company carried over the incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was with Caliber Home Mortgage for Month of XX/XX/2022. 
They switched me to XXXXXXXX XXXX XXXXXXXX starting XX/XX/2022. 
I am in a federal program called HAF  Home Owner Assistance Fund. 
My department with HAF said check was sent to Caliber on XXXX XXXX. 
The amount was XXXX for the XXXX Payment. It is now XXXX XXXX and Caliber said they never got it and also checked with XXXX and they said it was never sent over by Caliber to them. I am trying to find out why my payment for XXXX has never been posted. Again the amount was XXXX for month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  ( XXXX XXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I lost my bank card, and someone deposited XXXX stolen checks into the account in one day totaling more than 5000 dollars, then took out as much as they could before the card was put on hold ( around 1400 dollars ). The bank did a fraud check and found no fraud was committed. I went to the bank and asked what their decision was based on, and they said that it was because nobody else had my pin, I ask them for copies of the checks that were deposited and XXXX of them where not endoresd and the one that was, was no where near my signature. So i asked them to check the film and see who made these transactions, so they asked me to send them my florida photo id, which i did, then they made the same determination as before without looking at the film ... .someone stole my card and did this without any acknowledgement from me, and now they are saying that I owe them over 1400 dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Carter-Young, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no knowledge of this debt. I receive letters and calls for the past month and year about the collections. They is not mines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 and contacted navy federal credit union and we go I still drinking fees that are being charged through ATMs and other banks are allowed to charge him because XXXX regarding news I think this is illegal to United States citizen because all transfers are electronically communicated to XXXX XXXX yeah baking and collecting fees of a members and customers just to have money in your pocket and you already a bank they have money in a money it should be given to the customer if you do not have any branches in the Surrounding areas that need to be required to open branches and stuff and make it available today customers that way we will have to pay the bank that we get my fees for money from I think it 's against the law I do n't treat your customers or members correctlyplease investigate Navy Federal and all branches in United States ATM and make sure they are filing United States banking Federal regulationsall misconduct and miss management of branches in ATM card to be charge according to United States federal

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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 this isn't 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 XXXX has me at a score around XXXX. 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
According to TrueAccord " On XX/XX/2020, TrueAccord sent XXXX XXXX verification documents. We have unsubscribed XXXX XXXX from receiving TrueAccord emails. She will not receive any further emails regarding this account. XXXX will mail XXXX XXXX any requested documents moving forward. As XXXX XXXX has already received the verification documents, she may call our office at XXXX or visit our website to take any further steps regarding her account. '' THE ONLY COMMUNICATION RECEIVED FROM THIS COMPANY HAS BEEN VIA EMAIL ( XX/XX/2020 XXXX. I HAVE EXPLICITLY REQUESTED FOR THEM TO STOP CONTACTING ME VIA EMAIL. I HAVE NOT RECEIVED ANY DOCUMENTS VIA POSTAL MAIL. ANY DOCUMENTS THAT HAVE BEEN SET VIA EMAIL OR ELECTRONIC COMMUNICATION HAVE NOT BEEN RECEIVED AS THEY VIOLATE MY WRITTEN REQUEST TO CEASE ALL FORM OF COMMUNICATION OTHER THAN POSTAL MAIL. AS OF TODAY XXXX/XXXX/202 I HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below is still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, XXXX USC sections XXXXi within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 for any purpose The above complaint was sent to Experian on XX/XX/2022 however they didn't complete the investigation until XX/XX/2022 which according to the Fair Credit Reporting act if the investigation takes longer than 30 days the disputed information should 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 explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have repeatedly submitted accurate paperwork to the credit bureaus XXXX, XXXX and Transunion concerning the reporting on my credit report with the company XXXX XXXX. The company had been reporting for several years since XXXX that I was in possession of a vehicle leased from them and owed {$8000.00}. I submitted a dispute with CFPB and the results of the complaint was to close the account and cease reporting to the bureau. The initial response from XXXX XXXX to my first dispute to CFPB alleged that the account was opened in XX/XX/XXXX and not one payment was made. The statue of limitations for accounts on credit reports is 7 years from the moment the account goes delinquent. The credit report that the bureau XXXX, Transunion and XXXX had showed the account as having four positive payments towards the vehicle. As of today the account is showing no reporting history from XXXX at all. With the bureau showing the wrong dates on this account, I would be forced to unwillingly wait additional time to have this account fall from my report. This is a clear violation of reporting on their behalf. And according to the FCRA, consumer reporting agencies must, correct, verify or delete inaccurate information once disputed. I have tried to communicate with all three bureaus about this issue and to no avail. Please reference complaint with the ID # XXXX and cross reference. I am submitting a photo copy of the report from XXXX from XXXX and the same account with XXXX XXXX in 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 2021-04-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The account was agreed to be deleted after being paid.

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 2015-05-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for a balance transfer from my XXXX XXXX card to a TD Bank credit card for an amount in excess of {$4000.00}. This was done and approved on XXXX XXXX, 2015. The teller assured me it would take XXXX days for the money to be transferred. After that time passed, I contacted TD and they said I was misinformed- that it would take between XXXX weeks for the balance to transfer from XXXX to the TD credit card. After XXXX weeks passed, I contacted TD again, because XXXX told me I was going to be reported, which will affect my credit. At that point, I paid the minimum due, to XXXX, to avoid my credit being affected. After talking to many people on the phone, at TD, I was finally told that there was an error, on their part, and that they had to re submit the application. I asked if there was any way to speed up the process because of my current situation with XXXX and their mistake. They told me there was nothing for them to do and I would have to wait. I waited, and XXXX reported me to the credit bureau. Finally, the manager at the TD Bank branch, where I applied for the transfer, said she talked to the credit department at TD and the transfer would be expedited. It is now XXXX XXXX, 2015, and XXXX XXXX still does not have the money I owe them. I have called TD bank several times, with no answers to my questions and the only advice, to wait. My credit is dropping as we speak. XXXX actually said that TD bank should have deposited the money into my account, but when I approached them with this idea, they said they did n't have the authority to do that. I am now considering paying off XXXX from another bank account, which I did not want to touch, to avoid getting reported to the credit bureau again, which XXXX said would happen in a week. But I know TD will not be able to cancel the transfer and then XXXX would have to credit me money, once the transfer goes through. I do not know what to do at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax deleted an auto loan from XXXX XXXX XXXX that I paid off in XX/XX/2014 that was previously on my Equifax credit report XXXX/XXXX/14, Ref : Equifax Confirmation # XXXX and now I do n't have a Credit score from Equifax. I need Equifax to Re-Insert my auto loan from XXXX XXXX services back on my credit report. I 'm also a member with XXXX XXXX and was checking my credit report/credit score every week and I had a credit report/Credit score for both Equifax & XXXX. Equifax claims they did n't delete this, my auto loan company must have and I ca n't file a claim because it does n't appear on my credit report. My auto loan company did n't delete this, this auto loan still appears on my XXXX and XXXX credit reports as paid. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: IL
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 have repeatedly submitted accurate paperwork to the credit bureaus XXXX, Equifax and XXXX concerning the reporting on my credit report with the company XXXX XXXX. The company had been reporting for several years since XXXX that I was in possession of a vehicle leased from them and owed {$8000.00}. I submitted a dispute with CFPB and the results of the complaint was to close the account and cease reporting to the bureau. The initial response from XXXX XXXX to my first dispute to CFPB alleged that the account was opened in XX/XX/XXXX and not one payment was made. The statue of limitations for accounts on credit reports is 7 years from the moment the account goes delinquent. The credit report that the bureau XXXX, XXXX and Equifax had showed the account as having four positive payments towards the vehicle. As of today the account is showing no reporting history from XXXX at all. With the bureau showing the wrong dates on this account, I would be forced to unwillingly wait additional time to have this account fall from my report. This is a clear violation of reporting on their behalf. And according to the FCRA, consumer reporting agencies must, correct, verify or delete inaccurate information once disputed. I have tried to communicate with all three bureaus about this issue and to no avail. Please reference complaint with the ID # XXXX and cross reference. I am submitting a photo copy of the report from XXXX from XXXX and the same account with XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX attempted to call Pro collect on XX/XX/XXXX to make a settlement for deletion with Procollect. A week prior to this i called and spoke with a lady who informed me the offer was valid and i was able to make a settlement, this time when i called they informed me that i was sent an offer to settle for deletion but missed the deadline. The balance was due in full. I informed them i would not be making full payment, but instead insisted the offer i was sent and spoke about. They would not honor the offer and the verification of their employee. They informed me i was being recorded so i know for a fact they have record of that conversation. I would like to settle for a deletion from credit repotting agencies. They call my place of employment and during after hours which is also a violation of the laws set forth. Upon ending the phone call the lady informed me i would be marked as a refusal to pay, Im not refusing to pay, I just want the offer that was extended to me. Not a bait and switch

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 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my credit card on XX/XX/2020. I went by exactly what was owed. Today I called to make sure nothing was charged on my card and found out that there was a finance charge on my account for {$3.00} that posted on XX/XX/2020. I called and spoke with a representative who informed me that it's called residual interest. He stated that residual interest accrues when I don't make a payment in full. I informed him that I make payments on time and I pay above the minimum amount due. But he kept trying to explain something else to me which sounded like a bunch of XXXX!! I used Capital One 's voice prompt machine or whatever you call it to make my payments, always have. When I called to make my final payment the machine gave me what the statement balance and current balance was. That amount was {$270.00}! Not once was residual interest mentioned when I made my final payment. That residual interest that they charged me and might charge me again next month is a way to make money off of us when we pay our accounts off. I'm not paying that and I want it removed from my account.

Company response to consumer: Closed with monetary relief