BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I first disputed these inaccuracies which came from identity theft since 2014. Ive been going back and forth with experian for years about these same accounts. I sent my police report from the XXXX Police Dept. they refuse to adhere to my complaints. Experian refuses to follow the laws that govern credit reporting agencies. Im a victim of identity theft and I cant understand how or why Experian wont follow the law. I also filed this same complaint to the XXXX because they are illegally breaking the law by not accurately reporting on my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX XXXX in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The XXXX Department of Education received notice from XXXX on XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the XXXX Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, XXXX, and Equifax -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over XXXX days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
No matter how hard I tried on the phone it would say I tried too many times and stopped and on line after answer all questions to the best of my ability it would not continue after that, just stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I came out of Chapter XXXX two years ago. Seterus is the XXXX mortgage on our home and they never took us out of BK status, in spite our numerous attempts throughout these past XXXX years. Every time we call they tell us exactly the same : It shows here that you are represented by an atty. and we ca n't speak with you. We sent them discharges, letters stating that we are no longer on BK or represented by an atty, etc etc. They take our info, never call us back, and when we call back nothing was done. For the past two years they have not sent us statements, they do n't allow us to pay online or even see our acct on line, we do n't know what payment we are making or if we are up to date or behind. We have asked insistently to allow us to get online so that we can put them on autopay but they state " we ca n't because the acct is on BK ''. We are finally now in a position to refinance and go from XXXX mortgages that amount over {$1800.00} a month with very high interest rates to XXXX that would leave us with only XXXX payment of about {$1300.00}. We have been asking Seterus for a payoff for the last XXXX weeks and they are not sending it to us. Every time we call they state something different, but the theme is that we are represented by an atty. and they ca n't give us a payoff. The worst part now is that since they have not communicated with us or sent us statements they state we are 4 months behind on our payments which means that we wont be able to refi since the lender, of course, wants to see 12 months of no late payments. All of our accts are on auto pay and up to date except for that XXXX and that is because they wo n't allow us to do that. My husband is XXXXemployed and he got hurt at work, XXXX and he is XXXX years old. He has been unable to work for the past 6 weeks which is starting to put us behind. We are completely ready to refinance except for the Seterus acct. 
We would appreciate any help as we are unable to retain an attorney at this time but we considered this being unacceptable and abusive. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I would like to file a complaint against Equifax for consistently reporting erroneous information regarding my credit report. This agency has continually reported outdated erroneous information and all the while omitted or blundered good information. I have reached out to them several times but they have not challenged the creditors and to boot have adversely reported good information. By the way all other agencies have complied with fair credit reporting policies, that 's why the other agencies have consistently reported my credit score higher than Equifax. 
Creditors in question are XXXX XXXX XXXX, and XXXX CA XXXX. Equifax is reporting the XXXX XXXX XXXX XXXX items as having received the last payment in XXXX, which is incorrect. The last payment XXXX received from me for these XXXX accounts was XXXX XXXX which means that these items should have been removed by XXXX of XXXX. Regarding XXXX CA XXXX, this account is totally out of compliance as of XXXX XXXX as it is beyond the mandated XXXX year maximum reporting period.I have an account with XXXX for XXXX that I am paying on time and miraculously Equifax has omitted its status, but XXXX XXXX XXXX have reported it in good standing. It has been emotionally challenging dealing with Equifax as they repeatedly report erroneous information that I have to use my days off in order to attempt to get them to correct. At this juncture I am appalled by their negligent reporting practices and am seeking your assistance to force them into correcting their credit reporting errors, and to remain compliant in the future. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the Equifax with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax would not let me get past the security questions, which were all questions related to a Home Mortgage loan than I never took out, which makes me suspect that fraud may be involved and I need to know what the proper route to take is to identify if any fraud has been made. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX has been included in the names reported section for the Equifax Report which helps to determine my credit score. This is incorrect as this has never been one of my names and should be eliminated from the reports and my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax is reporting a Bankruptcy on my file in which i have no knowledge of. Ive explained this over the phone, fax, and through mail. XXXX does not care at all, I dont believe they are even investigating the situation, all I get is the same generated email, that seems to be sent to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
My account started getting charged interest within 10 months of being in an introductory 12 month 0 % APR period, reflected in my most recent statement. The offer I responded to to get the card, and the subsequent documentation I received with the card after approval ( their form " XXXX '' ) confirms 12 months 0 % APR. Upon query, their representative attempted to tell me I responded to a 5-6 month 0 % APR, and if not that, then they changed the terms after reviewing my credit, and she offered to send me that documentation. However, my statements do not have any interest charges for 10 months, ( as expected for 0 % for at least 10 months, and do not support her assertion I was on a 5-6 month 0 % ), until the most recent statement that I contacted them about. She continued to assert the falsehood of my offer ( 5-6 months 0 % ) or the other falsehood ( they changed after credit review ) until I got the point across that obviously it is not as she said as I was not charged interest until after 10 months. She ultimately waived my interest for this month but I expect to have the same problem next month. What I am sincerely disappointed by is the assertion of falsehood which is tantamount to a bait and switch scenario, despite the fact I have evidence supporting my 12 month introductory 0 % APR, and the fact that it took over 30 minutes to resolve one issue and my expectation to have to spend another call next month to waive the interested again so that they would have honored their 12 month introductory 0 % APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Northstar Location Services, LLC
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
North star locations services had been constantly calling my phone and sometimes even my mother 's phone early in the morning claiming I owe money to them. My car got picked up XX/XX/XXXX. About two days after I sent my payment through XXXX XXXX sent a repo truck to come pick up my vehicle. About a month later, the north star location services phone calls started. The first call from them thru told me my vat had been sold through an auction. I did not receive any documentation about this matter. Ever since then they have been calling me early in the morning while me and my XXXX are still sleeping. I just want the phone calls to stop because I just about had it.

Company response to consumer: Closed
Consumer complaint received 2015-07-13
Company: CarMax, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I went online to XXXX and applied for an auto loan. I received acouple of offers and chose the one that I liked. I chose a company calledXXXX, 72 month term and a 5.99 % interest rate. I have used this companybefore and never had an issue. I previously used a check from this companyto buy a vehicle at CarMax in XXXX, Tx. So I decided I would do the samethis time around. Except when I found a vehicle that I liked at CarMax, they told me they would not accept the check. I called XXXX and theyconfirmed that they have an open business relationship with CarMax andnot sure why they would not accept the check. I then called CarMax foranswers. I spoke to a XXXX XXXX which works in Business Relations andshe told me that she received an email advising that they no longer dobusiness with XXXX as of 2 weeks ago. I honestly think that this is alending tactic to get me to use their in house financing which is at a muchhigher rate of 11.99 % and 12.99 % depending on how long the term is. Canyou please research this and let me know if they are targeting consumers likeme to use their much higher rate in house financing? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: Stellar Recovery, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the same debt that was from another Collection Agency, XXXX XXXX, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

STELLAR RECOVERY INC is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
My husband and myself were pre approved for a mortgage loan. We gave {$500.00} in earnest money to our home builder and our loan papers were sent to a loan originator. A few weeks later we were contacted regarding some in dispute remarks on our credit. Phoenix Recovery Group was called by myself and my husband to have " account in dispute remarks '' removed from our credit report. We have also submit letters stating we no longer dispute the account and to please remove any indication that the account is in dispute to the collection agency as well as all XXXX major credit bureaus to have these remarks removed. The debit collector responded to the credit bureaus stating they refuse to remove the remarks. Upon calling the collection agency, a woman named XXXX screamed at me and demanded that I pay off the debit to have the remarks removed. She said her client needs to be happy as well. I told her that I did not need to do that and she is violating the law by falsely reporting to the credit bureaus the account is in dispute. She continued to yell at me demanding money from me. Our loan has since been denied because of this, our credit has taken several hits because they loan officer had to keep pulling our credit and we have to be moved out of our current home XXXX/XXXX/16.

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 2015-03-24
Company: SLM CORPORATION
State: MD
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I get harnessing calls from Sallie Mae any time of the day or night on weekend, Sunday all day. I am a XXXX treatment patient currently and I explained this to them. I know i owe this debt. I give them what I can afford and they still state they want more. My co signer is my XXXX Dad who did n't know that i would have went through such medical problems. I XXXX in XX/XX/XXXX and in XX/XX/XXXX diagnosed with XXXX XXXX. I am paying this bill of {$30.00} a month of what I can afford out of {$180.00} a month check. I just want them to set up a payment plan of {$30.00} a month something I can afford and stop calling and telling me I can pay more. Today i spoke to XXXX XXXX, floor supervisor XXXX XXXX. Sallie Mae knows all the people that I have spoke with to come to some type of agreement of 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 2016-12-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
In XX/XX/XXXX a fixed APR of 7.99 % was offered to me by the person who opened a credit card for me with First Citizens Bank. I received an activation letter with the credit card enclosed confirming the 7.99 % APR ( letter enclosed ). I transferred a balance to this card. There as been to other transaction on this card since it was opened. There as never been a late payment. The credit card company is now billing me at the rate of 8.24 %. I had XXXX conversations by phone with the credit card company on the morning of XXXX. I was told in both conservations that the credit card company has no record of my rate ever being 7.99 %. 
A quarter percent here, a quarter percent there, adds up to millions. Think that is why they ca n't find the records?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
Reporting a account they can not verify. I found a Charge offs on my Credit report form Capital One. I disputed it with the CRA it came back verified. I tcalled Capital One about this and spoke to XXXX XXXX, informed me that Capital One has the wrong information on this account and it is reporting under my name. How did they investigate this account with out any documentation about me? I contacted them and their rep told me about and they could not validate the debt due to the account not having the right information on file. This is a violation of the FCRA and the trade line needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My HSA account was transferred from XXXX when HSA Bank acquired those assets. The investment portion of the account was moved into a mutual fund company ( XXXX ) [ no input from me ]. Once I became aware of this I explained I do not want any money to be there, ever. HSA bank moved the money to the cash portion. Ok so far. Then the funds were moved back against my instructions to the investment account. Once I became aware of this, the value of the holdings had declined due to market changes. I brought this to the attending of ( many ) people at HSA bank, and for more than 2 months they have been " researching it '' to no avail ( for me ). There is n't a huge amount of money in dispute here, but I am most concerned about a bank ( any bank ) not obeying their customers ' instructions. As I believe this is a custodian type of account, I am concerned about a potential breach of the custodial arrangement. In addition, the customer service of HSA bank has simply been horrible. The agents on the phone are quite nice, but seemingly incapable of enacting any necessary steps to fix problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: AES/PHEAA
State: MO
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 was advised that my student loans were not going through but they did i incurred additional cost they say current but sold and transferred i have several with interest and im still in school butr its a whole page and more on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2016-02-08
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I refinanced my student loan with XXXX on XXXX XXXX 2016. The check was sent to Discover on XXXX XXXX 2016 and cashed the following week. They have not reported to the credit agencies that the loan is closed. They also have yet to provide a closing statement and refund me approximately {$1100.00}. This also has dinged my credit score because today, due to their lack of action, I currently have XXXX student loans outstanding. Their customer service and misinformation is very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation