BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
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: Account status incorrect

Complaint:
ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. 
Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX/XXXX : XXXX The payment status is incorrect, please delete. 



XXXX XXXX : XXXX The account status is inaccurate, please delete. 



DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.

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 2021-03-20
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX of XXXX, I received a letter from Barclay 's Bank regarding our Wyndham Rewards Visa card. I were informed that our account was past due and that they had attempted to reach us. I immediately paid the bill in full, as that is our consistent practice with all of my credit card bills, but when I checked our billing history ( they email me our statements ) I realized we hadn't received an electronic bill from Barclay 's since XXXX of XXXX. I immediately closed the account as I had lost confidence in Barclay 's ability to properly manage this account ( I had a previous incident where they had misapplied my payment to another account and held our account in arrears until they could find their error ). Barclay 's then notified the credit bureau of the delinquency and my credit went from excellent to fair. I have tried to reach out to Barclay 's to have them retract the reporting as it isn't fair that I should be penalized for two months of late payments when they never billed me for those two months. Barclay 's only suggestion was to reapply for the credit card.

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 2017-01-21
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been struggling financially for years to pay my loans. I originally called XXXX XXXX at the time, and was advised that I could either do a deferment or forbearance. But was advised forbearance was the better option. Since then I have continually filed forbearance. I have seen a lot of interest added on to my loans since then, and wonder if I will ever be able to repay all the debt, if at all. My loans originate from going to school at XXXX XXXX, and XXXX XXXX online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/2019 TD auto finance, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote TD auto finance a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been unable to make over the phone perdon-to-person direct contact to converse with on any matter related to my home loan mortgage account status including the currently assigned single point of contact ( XXXX ), anyone within the XXXX 's unit, or the XXXX 's supervisor. The Bank of America customer service representatives I have been able to get on the telephone do not count as they do not have access to the information I need and have been trying to connect with the XXXX to get. I have left several messages with the XXXX and have yet to receive any response addressing my multitude of concerns.

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 2022-10-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX University : XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX # 51, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: SC
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 making another report towards XXXX, XXXX, and Equifax in reference to XXXX account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. This account has reported different balances which is a violation. 
I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX I joined XXXX on a month to month contract. 
XXXX XXXX I sent via certified mail membership cancellation -pd. final month, {$25.00} canc fee, & returned membership card. 
XXXX XXXX received charge from XXXX XXXX. Sent letter reiterating above info. Also, in between my cancellation and this date XXXX CLOSED ( went bankrupt? )! I assume they sold their gym to XXXX, as I began receiving bills from them threatening collections! ( I NEVER was a member of XXXX ). 
XXXX XXXX faxed dispute to XXXX with all docs. Spoke with customer service who informed me this would be removed- incorrect charge. 
XXXX XXXX recd. notice from collection agency XXXX XXXX for XXXX. I called and spoke with rep. who told me this would be removed immediately! I also sent via registered mail copy of all docs. 
As far as I knew this was being considered a fraudulent charge and was resolved/closed. 
XXXX XXXX recd. letter from XXXX XXXX XXXX from XXXX - provided registered docs that not only was this incorrect - but also fraud. 
I had cancelled a membership with a club that went bankrupt/closed. They sold their facility to another gym. Who FALSELY and FRAUDULENTLY began billing me through XXXX XXXX and sending incorrect info. to credit agencies. 
This incorrect/fraudulent/closed account is still being reported on my credit report! I would like it removed and resolved immediately! Thank you. 
I believe that both XXXX and XXXX are directly responsible for all of the above mistakes! 

( ( PLEASE DO NOT INCLUDE MY SUPPORTING DOCS AS THEY HAVE PERSONAL INFO. HOWEVER, I AM FINE TO SHARE THE SUMMARY ABOVE SO OTHERS CAN LEARN ABOUT PROBLEMS WITH BOTH XXXX AND XXXX! THANK YOU ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I reported unauthorized charge from XXXX for XXXX to Capital one I explained to them that the pending charge was not mine. They informed me that they would be closing the card and reissued a new one. The next day they report my balance to the credit bureau with the included fraudulent charge amount. My statement balance had already been reported to the credit bureaus XX/XX/XXXX in less then seven days they reported my balance again resulting in a decrease in my credit score of XXXX points. On XX/XX/2022 they reported the balance again and dropped my score for a second time. I called to complain but received the run around from there employees. Then when I asked to speak to a manager I got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX the creditor and I decided on a settlement which was completed and paid as we agreed in the amount of {$1500.00}. When speaking to the lender i was explained the negative remark would of been removed within XX/XX/XXXX after the payment was successful. 

As of today XX/XX/XXXX they wouldnt agree to remove the remark on my credit when I was promised so. I'd like to make a complaint for not commiting on what we agreed on back on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I have a Home Equity Loan Account that has been Reported as Charged off, but the Bank has filed a Certificate of Satisfaction with the Deeds of Record in response to a law suit filed XX/XX/XXXX, I had XXXX before the Complaint was heard and had n't been made aware of the Document filed until it was brought to my attention during or after an Adjudication of my Security Clearance with DoD while I was XXXX in XXXX in XXXX. This has been reported adversely since XX/XX/XXXX and the balance was paid since XX/XX/XXXX, I was sent a Waiver for this XXXX account on XX/XX/XXXX, but it was sent the property address in XXXX North Carolina, and I never received it. I am not going to sign any waiver for this XXXX account, because I have been trying to get the SCRA Violations resolved for almost 10 years now, so I do n't know why Bank of America has suddenly decided to send me this waiver for a Settlement with the DOJ on XX/XX/XXXX. I was n't able to proceed in the Court case, because on XX/XX/XXXX I was issued Mobilization Orders to XXXX to XXXX and was n't apart of any of the DOJ cases for SCRA, but have been dealing with the backlash ever since. I have had to document every account filed adversely for the past 10 years as part of the Adjudication for my ability to maintain my Security Clearance, but now the issue is why I have n't been apart of the DOJ Settlements involving my accounts ... I had n't contacting the DOJ and they have n't been in contact with me, until recently ... but I simply want the adverse information removed permanently and a written response from Bank of America stating that it has been 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 2016-09-12
Company: Equitable Acceptance Corp
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX of 2015, a company named Equitable Acceptance contacted me in regards to consolidating my student loan debt. My understanding of the agreement was that my student loan would be consolidated and paid off. My payment would be {$39.00} a month. For the past year, I paid the {$39.00} a month with no problem thinking that my student loan with the US Department of Education had been paid off. I recently found out that this was not the case. I contacted the US Department of Education and found that I may have been scammed. At the moment, my loans have been consolidated with the US Department of Education and I 'm currently making my monthly payments. I have stopped paying Equitable Acceptance. According to my last statement I owe them a balance of {$1100.00}. I feel this company took advantage of me and am going to seek legal advice as to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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:
Fraud / Identity Theft 4 Accounts opened fraudulently Confirmed that all accounts were opened and approved completely online/ not reviewed by an actual person XXXX XXXX ( Personal unsecured Loans ) # 1. {$15000.00} XXXX Opened on XX/XX/XXXX Payment made : {$430.00} XX/XX/XXXX # 2. {$12000.00} XXXX Opened on XXXX XXXX XXXX Payment made : {$360.00} XXXX XXXX XXXX - spoke to at XXXX XXXX XXXX XXXX XXXX XXXX spoke XXXX XXXX # 3. XXXX XXXX Opened on XX/XX/XXXX {$9000.00} ( Personal unsecured loan ) ** keep sending me emails to prove this loan is not mine requesting time sensitive requests otherwise threatening to legitimize the debt ** customer service unable to transfer me to fraud dept. via phone # 4. XXXX XXXX XXXX ; now XXXX XXXX out of XXXX XXXX, FL Opened XX/XX/XXXX Routing # XXXX Account # XXXX ** Used phone number ( XXXX XXXX ) & email address that is not mine XXXX - ended up on my credit reports XXXX Used old address to send bank statements XXXX XXXX XXXX, XXXX, FL XXXX Where I have not lived for 9+ yrs Used fraudulently obtained bank account to deposit loan funds, and transfer monies to other accounts held by perpetrator All personal loan companies have continued to re-report the illegitimate accounts to the credit bureaus Equifax XXXX XXXX XXXX Security freeze/fraud alert Conf # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX at XXXX XXXX is claiming owe them {$2900.00}. I have no knowledge of this debt nor do I owe the amount claimed to be owed. Please provide full accounting and proof of lease/contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I received a notice that flood insurance is no longer required on my escrow account and that the flood insurance has been removed from my escrow. Because of this, I have cancelled the flood policy with the flood carrier. I called on XX/XX/XXXX to request and escrow analysis in order to reduce the escrow payment for the XX/XX/2021 payment. The representative informed me that I can not do an analysis until 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 2021-01-09
Company: SYNCHRONY FINANCIAL
State: ME
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 tried to purchase a {$150.00} XXXX  watch with my Paypal account and a link came up telling me I could get {$20.00} off my purchase if I clicked here. Well, I clicked on the link and Syncrony Bank opened a {$2900.00} account in my name and I found out it was Fraud and the {$20.00} was only to be applied to my next purchase. I called them right back the same day, around XX/XX/XXXX, and demanded they cancel the {$2900.00} account. The man on the other end of the line said he would cancel the account. 
Today, XX/XX/XXXX, I got a notice from one of the Credit bureaus, not XXXX, that my credit score decreased from XXXX to XXXX because of the newley opened account that I never wanted in the first place. I was furious and called XXXX to ask them to look into it for me, as they still had my score at XXXX. They were very nice and gave me your name to help me. 
I also called Paypal and told them what happened and they advised me, in the future, not to click on that {$20.00} offer link and just continue to purchase with my Paypal Credit Union account. Paypal was very helpful. 
I am just worried that my score will remain XXXX and will take a long time to recover to XXXX. I worked real hard for 50 years to never miss a payment and have a low balance on my remaining 4 cards.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC.

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 2016-11-02
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company is constantly raising the mortgage payment, sometimes without notice, sending back the mortgage payment - sometimes because it is n't received for the month due ( will be for month of XXXX and will receive on XXXX XXXX ) - and sometimes because it was n't full amount ( would have raised the monthly payment with no notice so was sending in last KNOWN payment amount ), and adding payment rules and regulations with no written statement or letter of notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello Trans Union : I was lucky to get a copy of my XXXX and XXXX credit reports through a mail request. Trans Union has never mailed out to me a credit report. I am respectfully requesting my Trans Union credit report, even if I need to pay for one. 

XXXX 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 2015-07-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax is stating they are only reporting what XXXX report by electronic update. I 've have a dispute with CFPB with XXXX as well. Which states they posted to the wrong account on XXXX 2014. XXXX is said it 's Equifax and Equifax says XXXX. Please advise!

Company response to consumer: Closed with explanation