BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian is reporting my XXXX XXXX XXXXXXXX XXXX closed account incorrectly as settled, potentially negative with late payments. This account was opened in XXXX and was closed due to the store closure and the balance on the account was paid as agreed and never late. After I settled the balance with XXXX XXXX  making all payments on time as agreed I was notified by Experian my credit score had dropped XXXX points and when I checked my Experian credit report it reported the account as closed, settled, potentially negative with late payments. I opened a dispute with Experian in XX/XX/XXXX and was told the reporting is correct and I was referred to the merchant. In XX/XX/XXXX I received a letter from XXXX XXXX stating the account was being reported incorrectly, the account was settled with an XXXX XXXX, and a request was sent to the credit bureaus to remove the past due history. I have made several attempts to have the incorrect reporting changed, even after sending a mail in dispute with the letter from XXXX XXXX to Experian via certified mail.

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 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: WA
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:
On XXXX XXXX XXXX I contacted Equifax and informed them that my {$10000.00} personal loan with XXXXXXXX XXXX  was paid in full and the account was closed. Equifax sent me mail indicating ( received XXXX XXXX XXXX  ) that the information they have in their file was " Verified As Accurate ''. The information is NOT accurate because I do not have a balance on this account and my credit report still shows a balance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XX/XX/XXXX application submitted for SAVE repayment plan on studentaid.gov website and sent to loan processor that day. It was processed ( completed review ) by EdFinancial on XX/XX/XXXX. Next steps state that loan servicer will reach out w/ additional details regarding completed app. Its been 2 weeks and no reach out from EdFinancial. Online acct doesnt even reflect that a repayment plan application was submitted or even processed by EdFinancial. The first paragraph on account face page is all about signing up for a repayment plan by clicking the link. Huge payment is due in 3 weeks and I havent been able to get ahold of anyone in customer service. The chat feature on website is an automated system and the wait time for a customer service rep is obscene. Today the stated wait time is 3hrs 15 min. Currently on hour 4 waiting for my callback. Perhaps if EdFinancial got their act together and updated online accounts, their phone lines wouldnt be bogged down with frantic clients trying to find out the status of their repayment plan. Do better. We deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TrueAccord Corp.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts/inquiries listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts or inquiries to be taken out, nor do they relate from any transaction by me. 

I have never opened an account with TrueAccord.

TrueAccord is unable to provide any contract between myself and their company.

TrueAccord is knowingly and willingly committing Aggravated Identity Theft to collect on an alleged debt and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). This information is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. 

If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Since TrueAccord is a debt collection agency, I demand you provide me with the details of you purchasing this debt and assigning it to me.

I do not accept TrueAccords offer to contract with me and assign this debt to me.

Furthermore, I demand that you cease all communication with me with regards to this debt, pursuant to 15 usc 1692.

If you continue to contact me with regards to this alleged debt, or keep any record of me with your company, you will be breaking federal law. 

In which case, I will pursue litigation against your company to the fullest extent of the law. 

Kindly govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of XXXX, I was traveling and lost my wallet- including my KeyBank debit card, ID with all of my personal information on it, and other key documents with information like home/billing/mailing address, email, etc. 
Shortly after, I noticed fraudulent transactions. I disputed these transactions with KeyBank as soon as I noticed them, and specified in no uncertain terms that they should only contact me via EMAIL OR PHONE, or mail any letters to the local branch, because KeyBank has a history of lying about sending me letters regarding my account/claims, and I wanted to be sure this didn't happen again. The representative agreed that my request for email/phone communication was noted and would be fully honored. ( This is important later, because KeyBank has failed to EVER honor this, including regarding this dispute. ) The charges I disputed are as follows : XX/XX/XXXX - XXXX XXXX | XXXX Fl XXXX - {$38.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX Fl XXXX - {$310.00} These charges were not made by me, were not made with my consent or knowledge, and are fraudulent, unauthorized purchases on my account that I should not be held responsible for. 
I informed KeyBank of this as soon as I became aware of these charges. 

On XX/XX/XXXX I was issued provisional credits for these charges. This has been the only action I've seen from KeyBank, and I have never once been contacted regarding these disputes, the dispute process, or any dispute findings/closure/reversal of credit. 

However, much to my dismay and surprise, on XX/XX/XXXX, KeyBank reversed the provisional credits- without any contact whatsoever, nor any justification or information. 

KeyBank also mishandled by outgoing withdrawal of a rent payment as a result of this, and has now put me at risk of losing my home. 

On XX/XX/XXXX, I inititated my rent payment using my KeyBank account. The money withdrew from my account, and I received an email notifying me of this transaction. 
On XX/XX/XXXX they incorrectly closed my claim and reversed the provisional credit, leaving my account overdrafted. 
They then chose to RETURN MY XX/XX/XXXX PAYMENT for " Insufficient Funds '' and place A HOLD ON MY ACCOUNT until XX/XX/XXXX for {$1900.00} - the amount of my rent payment, that occurred BEFORE they EVER reversed the provisional credit. 
This is a blatant mishandling of my account, MY MONEY, and has put me in jeopardy with my landlord and at risk of LOSING MY HOME. 
I put the rent transaction in XXXX. DAYS LATER they reversed the provisional credit, this should NOT impact MY RENT PAYMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: CrossCountry Mortgage LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Last XXXX my mortgage company increased my escrow payment to {$410.00} per month. They stated my taxes and insurance went up. I contacted my insurance and yes it did go up, {$60.00} per year. But my taxes went down {$200.00} per year. I contacted my county tax assessor and got legal copies of the taxes assessed. I contacted my insurance and they told me I pay {$1300.00} per year insurance and taxes are {$1300.00} per year. Roughly {$2700.00} per year. But {$410.00} times 12 months is {$5000.00}. There is no way to justify the increase or even the previous charge which was {$300.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: TX
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 sent letters to Equifax on multiple dates asking for them to verify accounts on my credit. I specifically ask them to send me the proof of the information being verified, such as the company contact they verified the information with but they have not sent me this information. They only pretend to investigate and say updated. By law they have to provide me with any information on how they verified an account and they also have to provide this within a certain time frame and they have done neither. I have attempted to resolve this matter with them via mail but they do not respond. By law, if they can not furnish the proof of verification these account must be deleted from my reports which Is what should be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureau doesn't care at all that I want to dispute the fraudulent account that is reported on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I originally took out a loan in XXXX that defaulted and went to collections and was owned by XXXX XXXX XXXX. On XX/XX/XXXX, I was contacted by XXXX XXXX, a XXXX XXXX, phone number XXXX, stating that they are a mediator advising me that Check N ' Go has submitted my account to them for litigation and they are seeking civil restitution for breach of contract and defrauding a financial institution in the amount of ~ {$1400.00}. These individuals had all of my information, including address, social, and full name. The account is not currently owned by Check N ' Go, so I contacted XXXX XXXX XXXX  who stated that they can not seek civil or criminal action because they sold the debt and that XXXX  is not seeking legal action so it is likely a scam. I contacted Check N ' Go 's resolution department at XXXX and was advised that they have sold the debt and they don't see a note that my account is undergoing legal action but that they can not confirm. This complaint was submitted to the XXXX XXXX XXXX, however, I did not receive an answer and was told to contact XXXX XXXX XXXX. 

A repeat call from the same person and XXXX XXXX called on XX/XX/XXXX, and texted me a threatening text. I contacted Check N Go inquiring about this directly, again, and received a response on XX/XX/XXXX stating they have information about these matters. 

On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) who stated they had purchased the debt and now held ownership. 

On XX/XX/XXXX, I was contacted by XXXX XXXX  via phone at XXXX. The agent stated they are a legal mediation department representing Check N Go stating they are looking for payment to mediate my breach of contract. They threatened that if I do not pay, I will be sued in my local circuit court. This is identical to the communication received from Competitive Solutions. I requested this information via mail and they stated they do not send anything by mail. I stated my attorney would request information via certified mail and they gave the address of XXXX XXXX XXXX XXXX  XXXX XXXX, GA addressed to Attorney XXXX XXXX XXXX XXXX? ). The agent was very rude, calling me stupid, unintelligent, and had all of my personal identifiable financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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:
I have reached out to each reporting agency for a resolution but was not able to achieve one. 

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. 
Account name and number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 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 2019-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX back in XX/XX/2023 ( I had a XXXX ), an was in the XXXX for 2 months. I asked for help and submitted a GOODWILL Letter to the company. I need a little help with the late payment I received while being in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Regarding : Application ID XXXX I am requesting that Capital One remove the hard inquiry from my credit file with all three credit bureaus. 

I applied for a Capital One Business Credit Card and I was approved for a {$1000.00} business credit limit. 

However, after faxing copies of both of my drivers licenses ( one with my maiden name and one with my married name ) and a copy of my social security card 5 times and mailing my documents once. Capital One never opened my account. 

First issue Capital One sent an email that included a button that is supposed to be a link that should open a web page so that I can upload my documents. The button has never worked since the first day Capital One sent the email. I called to inform them and was directed to fax my documents. 

Second issue As I faxed my documents, Capital One has XXXX communication with rather they've received my documents or not. I was only updated by initiating a call and waiting in the customer service que to confirm that my documents were received. 

Third issue I also mailed the documents in after 5 fax attempts. All were successfully delivered from my end. 

I made every attempt with Capital One verification department to provide the a copy of my drivers license and social security card. 

Now I have a damaging hard inquiry on my credit file with no open credit card account, although I was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/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 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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