BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: NC
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 have tried numerous times to get this issue cleared up with Equifax, I have called the corporate office and spoke with reps been placed on hold for hours with no resolution. I needed 28 confirmation disputes resent to me because equifax has been adding accounts and addresses on my credit report since the breach. I spoke with a rep on XXXX/XXXX/XXXX and after giving her the 28 confirmation numbers i need paperwork for and after doing all of that they still had my address wrong as XXXX XXXX XXXX XXXX XXXX, XXXX nc XXXX. There is no XXXX XXXX for my address, I have sent in my drivers license, social security card and a copy of my light bill for the address and they still have my address wrong, I stayed online for over 1 hour waiting for a supervisor and i had to hang up. I will attach the copy of the calls, the addresses on my credit report they even have addresses in Virginia and Georgia that are not mine and they keep adding incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Date Opened : XX/XX/1995 Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Nelnet, Inc.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern I sent in a debt validation letter on XX/XX/18 to both XXXX  and XXXX  and they are still reporting these items of Dept of education/Nelnet which doesn't belong to me at all..This is affecting my credit score terribly. I plan to purchase a home this year and I will never be a homeowner at this point with inaccurate information on my credit reports..According to the FCRA rules, FCRA 823 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation and my original dispute of inaccurate information that does not belong to me. I did not sign for anything, This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: MN
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 mailed in a police report regarding me being a victim of identity theft and fraudulent and unauthorized accounts listed on my XXXX XXXX, XXXX  and Equifax credit report. The following accounts are fraudulent, unauthorized and not my accounts : XXXX Credit Card/XXXX XXXX XXXX, XXXX XXXX Card/XXXX XXXX XXXX, XXXX  Card/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. The accounts are not my accounts. They are all fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX House XXXX is reporting that I did not pay {$100.00} to them on or about XXXX XXXX, XXXX. I did not have any XXXX XXXX XXXX services in my name in XXXX or XXXX, XXXX. I moved at the end of XXXX and ended my services for XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL. All bills had been paid. Services at the XXXX XXXX XXXX XXXX XXXX, XXXX, FL are in my husband 's name, XXXX XXXX. I have copies of all the bills that have been paid to XXXX when services were rendered to my husband. I dispute this bill and ding in my credit report. I have been cleared by XXXX for this charge. The name of the credit agency is Credit Protection, XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX, XXXX, TX XXXX. There telephone number is XXXX. Thank you for any assistance. Best, XXXX XXXX XXXX, XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a loan Personal Finance, which is owned by Mariner Finance onXX/XX/XXXX, No bank or credit Union would cash the check so I went back the next day on XX/XX/XXXX returned their check and contract, they voided loan and gave me hand receipt. I received a bill from them yesterday stating that my payment was coming due on XX/XX/XXXX7. I also checked my credit and see that they have me having an open loan with XXXX amd XXXX, which means my loan was never voided.

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 2019-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi there, I have received the letter with saying that Chase has refused to reopen my credit card accounts for following two reasons : ( 1 ) Too many accounts opened recently ( 2 ) Balances on accounts are too high compared to credit limits I'm writing to explain the reasons and misleading information you got from XXXX. And I ask Chase to reopen all my accounts ( 1 ) I have only open five credit cards in the past one and half years. Only recently I opened three credit cards due to the good opening bonus for those cards. Please see the attached file 1 for details.

( 2 ) I have paid off all my credit cards balance including all the chase credit cards so the balances usage should be below 3 %. The misleading information Chase got from XXXX  is based on the report from XX/XX/XXXX which is not updated so far. Please see the attached file 2 for details. Chase should read the updated information on the report from XX/XX/XXXX.

I'm using Chase accounts ( checking, saving, and investing ) and credit cards for more than four years. I spend more than 100K every year using Chase credit cards and never miss any payments.

I'm asking to reopen my credit cards since it has already made so much inconvenience and wasted my lots of time. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion is terrible!!!!! On XXXX I attempted to lift my credit freeze via TransUnion 's website. I got an error message directing me to call customer service. Over the next 1.5 hours I called 4 times. Each time the person on the other end of the line spoke poor English ( I've lived overseas and am sympathetic to those speaking a foreign language but TransUnion 's employees were nearly unintelligible ). Each time they assured me that my freeze was lifted. All but the last time, it didn't work. After the 4th attempt, my creditor ( XXXX XXXX  XXXX ) showed the freeze was lifted but there was no credit score. Only 3 previous addresses. I'm XXXX yrs old, have a mortage and credit cards. I'm sure there is a score there. When I tried to access my credit score on my computer, just now on TransUnions 's website, it gave me an error and asked me to call their customer service. This is unacceptable.

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 2017-04-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX, I purchase a watch for my daughter at Bloomingdales in XXXX while on business. The sales rep said that if I opened an account that I would get a 25 % discount. I wanted to pay cash and she told me that I could go to the credit department and pay it off. There is not a Bloomingdales in XXXX and I knew that I would not use the card again since that is not somewhere that I shop. When I went to the credit department to pay off the account ( amount of the watch ), I was told that I had to wait for the bill to pay it. By XX/XX/XXXX I had not gotten a bill. I was told that I was late but still no bill. I paid it off XX/XX/XXXX ; asked that they close my account ; and disputed the credit with Bloomingdale as well as the credit bureau. They said the account could not be closed until the payment posted. There was only XXXX transaction that was ever charged on this account and it was the original transaction the date the account was opened. 
The account is still in dispute for being late and I wrote a letter on complaint for Unfair and Deceptive Practices for the way in which the account was opened. On XX/XX/XXXX I tried to get a loan and was denied due to this disputed item still on credit bureau.

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 2022-01-21
Company: NAVY FEDERAL CREDIT UNION
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: Information is missing that should be on the report

Complaint:
My car loan stopped reporting in XXXX of XXXX after filing bankruptcy XXXX  XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting navy federal since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. Navy federal assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and XXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with navy federal and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to enter an income-based repayment plan, however most of my online request forms have been ignored and 2 of them have been put on hold. One of the emails said the request was put on hold until closer to the end of my grace period, however while I 'm in my grace period interest is still accruing and I therefore want to start making payments as soon as possible. I have tried emailing them several times about the issue with no response. Thus I am being forced to make payments outside of a payment plan ( which wo n't go towards my public service loan forgiveness ) in order to prevent any additional interest build-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$45000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}

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 2022-01-21
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I found a collection on my credit report. I decided to call the collector and for my surprise this is from a telecommunication company name " XXXX ''. I explained the debt collector that XXXX communication wouldn't send me a box to ship it because it would cost more to ship it than the box was worth. I had the impression they would just credit the value of the equipment and just zero out the balance. The debt collector explained me they did credit, but it is a remaining balance for {$89.00} bucks. I told her I can pay it but due to the miss understanding I would like to request deletion from my credit report, she declined and started to fight with me due to my request. I told her I wasn't lying and since she was very intense, I requested a validation of debt but SHE DENIED TO MAIL THE VALIDATION OF DEBT, she said she won't just because. 

I believe I have rights they should respect, and I have the right to receive a validation of this debt, what if they are just lying to me?? 

Also, there is something called MINI MIRANDA RIGHTS and this debt collector just didn't disclose it. That should be enough to cancel this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Mortgage sent a check for {$32000.00} to XXXX County Tax Collector and informed us that we would have to pay it back to Ocwen. In fact, the amount due was only {$5900.00}. Clearly Ocwen did not contact our Tax Collector. Ocwen also ingnored our previous correspondence with them 3 years ago when they tried to do the same thing and we sent them a copy of our Installment Payment Plan with our Tax Collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loan ( through XXXX XXXX  by Firstmark Services ) early in XXXX, and payment in a total of {$43000.00} was made to the new loan company ( XXXX XXXX ) on XX/XX/XXXX. I made an overpayment of {$2000.00} by the time the transfer was completed. I called XXXX several times to follow up on that credit. When I called back in XXXX, the rep informed me that it takes 7-10 business days for the check to get sent to XXXX, and date for the check was supposed to be XXXX. I went ahead and called again that weekend to check if has been sent, and the rep informed me that it was and should take XXXX a few days before they can deposit. When I called XXXX on XX/XX/XXXX, I was informed that there was no check. I went ahead and called XXXX, and I was told that they were going to investigate. On XX/XX/XXXX, a week later, I called XXXX again to ask if a check has been received, and was informed that they did not receive anything at all. So, I called XXXX that same day, was on the phone with them for 23 minutes, and I was given the following information : 1. The check was supposed to be sent, but there is no check number nor transaction number that can be provided. 
2. It would need to get someone higher up to check the status. First is to check if check has been sent, then check if it has been cleared. If not, then they will need to put a stop on it, and will reissue. 
3. It will take another 7-10 business days before it can be resolved.

4. I asked for a supervisor and was provided the same statement.

5. I asked how would I know if it is being taken care of, and was told that they have recorded the issue on their end, so I insisted to get a call back by Friday. 

Here are my issues : - If I did not bother looking at my statements, I probably would have lost that money as apparently, there was nobody from their end checking up on it. 
- The transaction history ( see attached ) still shows a credit, which tells that a check may have never been sent- If they did in fact not send the check, they provided me a false information - Even after several attempts of resolving this with them, I am still not seeing any resolution- I am incurring more interest because my principal is higher than it should be as XXXX has not received the check yet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/2018 Trans Union allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX.. There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had to cancel a label I created with USPS on XX/XX/2016. I received an email from USPS on XX/XX/2016 ( attached ) stating that my refund request was approved. I am attaching another document from USPS stating that they refunded my account on XX/XX/2016. The problem is that B of A debited my account again on XX/XX/2016, they did not credit my account like they were supposed to. B of A told me that they ca n't give me back my money because it has been over 60 days. In my opinion B of A stole {$27.00} from me since they put in the second charge on XX/XX/2016 in error, and they did not credit me like they should have. A B of A manager told me that it was my fault that I did not get my refund, because I did not check my statement, I did not think that I had to monitor something that should have been done correctly.

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 2018-05-31
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: Account information incorrect

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation