BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: TN
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:
Back in XXXX Equifax reported on my credit XXXX XXXX. of Health for late child support payments, I also in XXXX, submitted a dispute stating that I had no owed nor late payments with XXXX and account was closed as of 2015. I also sent via fax and upload a Certified letter from the XXXX Credit branch backing my claims. XXXX came the account was completely removed, and stayed that way until recently now there are two duplicate accounts showing for the samething. I contacted Equifax about the error and made a dispute against the duplicate also a week ago but the original account has been put back on my report, and its been four months since I disputed it, I just want to get this all resolved so I can move foward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a caller XXXX XXXX to send money as a scam and the person had my account details from my citi bank account... they have my address my social security and all my information .... I ask the bank to reverse the transaction I'm waiting for a response from citi bank. As I spoke to XXXX customer service and they told me that citi bank has the power to dispute and reverse the charges... please print and publish my story..

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 monetary relief
Consumer complaint received 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple phone calls from agency Portfolio Recovery throughout the day as late as XXXX, even on Sundays. Attempts to block each individual number, however this has been unsuccessful as agency will use new number each time after blocking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit report. I noticed that these credit agencies were falsely reporting on my credit profile. 
I tried contacting XXXX, Equifax XXXX XXXX consumer solutions. But didnt receive an answer. I sent out letters on XX/XX/XXXX & still havent received anything back. On my credit report, I see that my XXXX XXXX has a past due 30 days late on XX/XX/XXXX. I have never paid my account late and I asked them to update the account to paid as agreed. According to 15 U.S. Code & 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Anything thats Not being reported correctly must be adjusted to the correct status. Please help me with this convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been reaching out for almost a month to settle with the company and to get the proper information to the insurance company that is responsible for paying the debt. Wakefield refuses to give information that is asked of them so that the insurance company could attempt to pay the medical bill but they are refusing to release the information and they are saying that I am responsible for it and have to pay it. 
They never even sent the bill to the insurance company and every other hospital bill made it to them. They are refusing to respond to complaints and refusing to hand over needed information that could settle the debt. They are also refusing to release information to dispute the medical bill. They have been very unprofessional throughout this whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: AES/PHEAA
State: NY
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 called fedloan on XXXX XXXX regarding my intent to pay off the loan because I was refinancing the loan privately. They informed me the amount would be XXXX which was confirmed online and advised I should put a stop payment on the monthly payment so that we do n't overpay if we were going to send a check for the complete loan. We sent and they cashed the full amount. We followed up today and they said we still have over XXXX dollars outstanding. They are unable to tell us how and why and how this figure adds up and how the loan repayment amount was different and how the payment was allocated that resulted in an extra XXXX dollars. 
Please help and request fedloan look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Bread Financial Holdings, Inc.
State: MI
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:
Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, XXXX and XXXX to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of XXXX  and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus. 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$530.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ) XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2016-10-31
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016 I contacted Ky Housing Corp my mortgage servicer of the VA/FHA mortgage I have on my home. I was contacting them seeking assistance based on my low income, XXXX, or veterans status, after a vehement conversation the Supervisor of a person named XXXX came to the phone. This person first states yes we service VA loans, but we do not do the HARP program for veterans but service VA loans, and also because you get help paying your mortgage by a subsidy you do not qualify to do HAMP application unless you drop your help making mortgage payment ; we can not help you from going into foreclosure status

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is my 8th letter to all XXXX bureaus and I 'm making complaints against all XXXX of them. I notified them that if they did n't comply with the FCRA that i would make complaints so here I am. Equifax , specifically, is reporting late payments that i know to be incorrect and in XXXX, 1997 it specifically states that Congress says that the FCRA is in clear language that they need to reinvestigate and go beyond the original source of information to ascertain that the information they are receiving is complete and accurate. Congress also states that the only way they can legally verify something is with firsthand knowledge which means that they have to have the actual documentation that proves that i was late. So does that mean that they have the creditors ' bank statements to show when my payments were received? No, they do n't. So then how are they verifying this information? By using XXXX and parroting what the creditors say? That 's not legal verification! Do I have to take them to court? How are they going to prove it then? They 're not going to be able to do so and I will win and they will need to pay me for XXXX up my life, my credit, my finances, my income ; everything. Here is the information that i am disputing with Equifax : These items must be fixed : XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately! 
XXXX I NOTIFIED YOU THAT I WAS N'T LATE ON THIS ACCOUNT AND XXXX could n't even verify these lates and so they removed them and they are the most incompetent bureau between the XXXX of you, so why are n't you complying with the FCRA? Why do I have to go to these lengths just to get you to do your job? What 's wrong with you guys? Listen : I was n't late. I was n't late then, I 'm not late now, I was never late. Remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
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:
This is my follow-up 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 accounts 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. Balance : {$150.00} XXXX XXXX XXXX XXXX .... Balance : {$100.00} XXXX XXXX XXXX CA XXXX XXXX XXXX : - XXXX XXXX XXXX BANK Balance : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Bankruptcy XXXX Date Filed XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Seterus, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX I made my typical mortgage payment online which was on auto pay for {$700.00} though my bank. In XXXX I received a letter stating that my payment was in suspense and that a late charge had been assessed for not making my payment on time. When I researched this, I found that my payment had increased in XXXX 2015 to {$780.00}. I immediately called the main office and paid the delinquent amount of {$86.00}. At this time I also found out they did not have an accurate phone number for me as well, which I have updated. 
I pride myself on paying my bills on time and this was an oversight on my part. I understand the importance of this issue and I should have paid more attention to the statement. 
I 'm currently in the process of refinancing my primary residence and the late reporting has crushed my credit report to the point I no longer qualify. I am simply asking for a onetime retraction. I know this is not common, but have found out that many lenders have done this in certain circumstances. 
I have called several times and written correspondence asking for them to rectify the mistake. When I do call, I 'm not able to actually talk to someone that can make a decision. They say that there is no " customer facing '' person that I can talk to. The only communication that is allowed is through letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Equifax about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the hard inquiries that don't have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a dispute on XXXX/XXXX/15 asking for Equifax to validate the debt of XXXX XXXX and XXXX XXXX XXXX # XXXX account belonged to me with documentation showing it was mine and the amount owed. On XXXX/XXXX/15 XXXX they sent me a statement verifying they validated the debt belonged to me. on XXXX/XXXX/15 I sent another request asking them to verify the method used to validate the debt and to send proof of documentation. On XXXX XXXX they sent me a confirmation XXXX saying they verified the debt again with no documents or method of verification. This has been an ongoing issue and they have failed to properly verify the debt by proving it belongs to me and showing me the documents. It is not my job to validate the debt is not mine but it is their job to validate the debt is mine. On XXXX XXXX I asked for the method of verification again and today on XXXX/XXXX/15 they again sent me they verified the debt. I also reached out to the collection agency and was told they would furnish me all the documents and I never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Nelnet, Inc.
State: MS
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:
My student loans where on the income driven repayment plan. After one year I was up to renew them and I was also enrolled in school. When I contacted XXXX about renewing my annual repayment plan the representative stated that I was in school and that I could have them forbearance. I told her no thank you. She stated that when you enroll in school the system would automatically place you in forbearance. I explain to her that I am okay with paying my loans and that I would not like for my loans to automatically do that. I explained that it was not helping me or my loans my giving me the option to do that when I am able to afford the income repayment. She then stated that she would fix my account so that my loans would not automatically go into forbearance. After getting off the phone with her a couple of weeks later I would be surprised to find out that my loans went into forbearance after I inform the company that I did not want this to happen or that option. Call the company back and the guy inform me that he would fix the issue that it wasnt processed correctly. They company are thriving off keeping students in debt by giving them the option to live now and pay later. Meanwhile the interest is stacking up and making my loan bigger than what I initially borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 fair credit Reporting act CAPITAL ONE AUTO FINAN account # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My account was closed with no warning or communication. My account had suspected fraud due to some suspicious transactions and Bank of America closed it with no correspondence. I have n't been able to open a checking account since and do not want to wait 5 years to open another one.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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