BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to Equifax, XXXX  XXXX, XXXX  late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: NVR INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We strongly feel that there is a conflict of interest / collusion between NVR Mortgage XXXX XXXX, NVR Builder ( XXXX XXXX ), NVR Settlement and XXXX XXXX XXXX XXXX XXXX. We paid these companies to represent us, not NVR Builder ( XXXX XXXX ) and we do n't feel that this occurred. There were numerous times that either mistakes were made or these companies did things that were not in our best interest. We strongly feel that we paid for services that we did n't receive. As a customer I felt we were held XXXX and paid fees for little to no representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: SLM CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Sallie Mae Accelerate card in XXXX, XXXX and was approved immediately. I waited for the card to arrive and after a month I called because I hadnt received it so they sent another one. I received that one in XXXX. The card promised a {$200.00} reward if I spent {$1000.00} in the first three months after you open the account. I took that wording from the online ad that is still up. I started using the card in XXXX and by early in XXXX I had fulfilled the {$1000.00} commitment. Since The account had been opened in XXXX I figured XXXX would be three months from XXXX so I called the company to find out when I would receive the reward. I was told midXXXX. On XX/XX/XXXX I called again and was told I would get it at the close of my XXXX billing statement which was XX/XX/XXXX. On XX/XX/XXXX, the first day of my next billing cycle, I called again because I still hadnt been issued the reward. I was told at that point that I wouldnt get it until the end of the billing cycle in XXXX. I have a {$0.00} outstanding balance and I spent well over {$1000.00}. Their promise to reward a {$200.00} bonus was fraudulent and Im being scammed by this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: First Associates Loan Servicing LLC
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I opened this loan in XX/XX/2016 to pay for a education program. I had times of hardships, and kept in contact with the company for payment arrangements. I had automatic payments come out of my account and they are not showing up or being acknowledged by the company. When I try to call the company to pay the rest of my account off and figure out where my money was going they hang up or leave me on hold for extended periods of time until I hang up. They never answer my questions, and this has ruined my credit scores keeping me from being able to get any car or home loans for my family or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In Late XXXX, I learned via email that my Victoria 's Secret credit card was closed. I called to dispute the reason for closing and was advised by a Supervisor that the account closed appropriately and there was nothing I can do. The issue that brings this dispute followed later, I received a letter from Commenity Bank, the Bank for Victoria 's Secret credi accounts. The letter states " We are responding to your request for a credit line increase. We obtained and reviewed your credit report and unfortunately because of your credit performance we are unwilling to increase your limit at this time. '' Well here is the major issue, I DID NOT request a credit increase on this closed account and furthermore DID NOT give permission for anyone to do so. After speaking with that Supervisor in late XXXX, I was NOT given any inclination that an attempt to review or restore the account was going to take place. Federal law requires a creditor/merchant/lendor to obtain consent prior to obtaining a hard credit inquiry for determination on extending credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
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:
THE ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute with Equifax informing them that there was an account on my credit report that did not belong to me and that I wanted them to research it to verify that the account was indeed mine. I received a letter from Equifax dated XX/XX/XXXX Confirmation # XXXX stating that they researched the account and that the account has been deleted off of my credit report, which it was Recently I was checking my credit scores and noticed a drop in my credit score by over 100 points with Equifax then I noticed that they have put the account that they had originally researched and deleted from my account back on my credit report. On XX/XX/XXXX I called and talked to somebody about this matter and they told me that they would remove the account once again and that it would take approximately 2 weeks. On XX/XX/XXXX I checked my credit report again and the account is still remains in my credit report. On XX/XX/XXXX, the same day I send Equifax via fax and USPS mail a copy of the letter that was sent to me but they have to remove the account from my credit report. I want this account removed from my credit report immediately. According to the letter they sent me on XX/XX/XXXX they researched the account and obviously could not verify it so they deleted it from my credit report. Why did they put it back on there? And why wo n't they take if off " AGAIN '' after assuring me it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRUIST FINANCIAL CORPORATION
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:
Ive sent several rounds of dispute letters and still no resolve or any type of concerning action was taken. I feel that Im in a really tough position. These fraudulent items on my credit report are hurting my chances of becoming a home owner. Which really puts me and my family in a bit of a hardship. To whom it may concern may I please be pointed in the correct direction to get my issue resolved?

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 2022-05-02
Company: EQUIFAX, INC.
State: NE
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:
acct # XXXX XXXX XXXX XXXX XXXX  - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I contacted Capital One Credit Card on XX/XX/XXXX as a preventative measure as I had fraud on another credit card this past month. I wanted to add an additional security question to my account. During the conversation with the agent, I found out inadvertantly that Capitol One had given access to an additional person in XXXX that I never gave permission to as this was an individual account. 

I told them to remove the name immediately. I called in later that evening to ask for additional information on how this situation originated. I wanted to know how the permission was given, what relationship was provided, contact info, etc. and when exactly in XXXX as this was a direct violation of my privacy and Capitol One was negligent. 

I knew they had this info documented and recorded but they told me it had been erased from their system. A fraud supervisor named XXXX told me to call on XX/XX/XXXX which I promptly did the next day. The woman I talked to XX/XX/XXXX indicated that she did not have the information on her screen but stated that if I reported it to the local PD and had a case file that I would be able to obtain the information which seemed absurd but I did contact our PD XX/XX/XXXX. When I called them again XX/XX/XXXX, they said I would need a subpeona which is ludicrous. The Capitol One woman was adamant. I believe it is because they made a mistake and they know it. 

I have a right to this information. It's my cc account and my privacy that has been completely violated for 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The view in which borrowers view their account information at the payment screen is entirely misleading and deceptive. The screen, on a mobile device, reads as if the payment amount IS the payoff quote. Aside from being confusing, once you realize that it is not giving you a payoff quote and that it is a link, I have concerns that the mobile view is not ADA complaint. As a borrower with a XXXX  XXXX, I am at another disadvantage from this one oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: American Collections Enterprise, Inc.
State: GA
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:
AMERICAN COLLECTIONS Ive have sent them 3 verification letters and have received no response but they continue to report on my credit. I reached Out to the original company and they are closed and the company that took over has no records prior to XXXX of 2019 to verify anything. They also refuse or just negate to send me over my signed authorization to release my medical information to a 3rd party or a detailed billing statement for the services they are collecting for. This is a HIPPA violation!

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: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I mailed in an AES Credit Dispute form along with documentation showing that a double payment in XX/XX/XXXX had been made : payment 1 on XX/XX/XXXX and payment 2 on XX/XX/XXXX and the second XX/XX/XXXX payment was not counted as my XX/XX/XXXX payment. AES marked me as late. Due to marriage and name change, the bank returned my payments and AES no longer allows me to pay online. XX/XX/XXXX another payment made after no help from customer service. Account is up to date. Sought removal of negative marking on credit but with no positive assistance from AES customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent XXXX, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: NC
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 to the Fair Credit Report act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance to the Fair Credit Report act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency 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 2022-05-02
Company: EQUIFAX, INC.
State: NC
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 to the Fair Credit Report act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Report act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Wells Fargo interfered with my ability to apply for the SBA PPP loan in a timely manner which impeded our ability to access funds.We were not granted access to the loan application until Wednesday, XX/XX/2020 which was too late. On XX/XX/2020 I received a voicemail instructing me to complete an interest survey online, which I did. Then, they reassured me that I was placed in a queue via an auto reply email. I continued receiving auto replies stating that they would email me when I could apply for the loan. On XX/XX/2020, I was granted access to apply for the loan which I did. Since then Ive received auto replies stating that my application will be processed if Congress approves more funds, but telling me the money has run out. By the time I was allowed to apply, the money had already run out. Today, XX/XX/2020, Congress has approved more funds. I attempted to call my local banker, whom Ive been exchanging emails with throughout the entirety of this ordeal, and the phone number provided as a help line through Wells Fargo for PPP loans. I was on hold for 4 hours today and no one ever answered. Ive still not received any personal follow up regarding my loan application. I only receive auto-replies. There is no way to get any confirmation of anything. I recently read an article about unethical business practices in regards to how Wells Fargo has been handling the processing of PPP loans. I feel that I have been disregarded because my loan amount may be considered small compared to others ( I understand the bank benefits more from shuffling larger loans through ) and we are a woman-owned business.

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