BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-14
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a debts that are inaccurate to my credit report. This company is reporting a debt of XXXX to my credit report falsely. This company is also violating the hippa law I did not authorize my information to be giving to them I have no debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 2022-04-06
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to repair my credit since filing bankruptcy in XXXXXXXX XXXX  2020, it was XXXX in XXXX 2020. I sent the discharge paperwork shortly after by email to Amerisave mortgage. Multiple times on phone conversations I requested they start reporting my payments. I was told the loan was not reaffirmed. I still make my payments every month and was told to contact my lawyer about the reaffirmation paperwork. I did and was told by him that he hadnt received any paperwork from Amerisave in regards to the reaffirmation. I was told by Amerisave that I had to request in writing to have my loan reaffirmed, to which I did and I requested a reporting of the legal fees I was charged by them at the same time I sent the request on XX/XX/XXXX of this year. I also emailed them a screen shot of the bankruptcy paperwork showing in the filing Amerisave was to be reaffirmed. I have been locked out of my online access for loan servicing since I filed bankruptcy and I have been told that it could take up to XXXX days for them to come to a decision on whether to reaffirm the loan or not. I get transferred around and leave messages requesting call backs that take days if at all to be returned. When I ask about escrow account balances Im told by some that I have to submit my request in writing and sometimes someone else may give me the information over the phone. Its ridiculous that I cant log into my account to check status of my account, or make a payment. I would strongly discourage anyone from using this as your mortgage company. Their service has never been good, even before the bankruptcy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CAVALRY INVESTMENTS, LLC
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX a settlement was agreed upon to settle an old account with an agreement to remove lawsuit and delete from all credit bureaus upon cashing of check. Check sent with agreement via certified mail. Signed for and then cashed on XX/XX/18.  Lawsuit dropped and account changed to {$0.00} bal on reports but failed to delete from reports as agreed upon. Clearly stated in letter and on check ( documents attached ) CASH to delete. Company refuses to delete which is a violation of agreed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
According To company Capital one Account was open in XX/XX/XXXX And action was taken in XX/XX/XXXX for amount of {$4600.00}. 
According to the case no application, no agreement, no any electronic mail, nothing except billing statement for purchases, and in the middle of it 6 electronic payments no information for this payments, i try to explain many times this account is not my accounts and i have police report and credit report that show i m victim of Identity theft and Capital one acknowledge this in my credit report, other banks investigate sameler case and admit it was identity theft ( XXXX XXXX, XXXX XXXX XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was on payment plan with  XXXX  for overpayment of benefits that i was paying $   XXXX   month for  $ 700+  overpayment. I received a credit alert th at Harvard Collection ag ency was reporting this debt as collection item in  XXXX .  XXXX  has con tinue to accept payments under the agreement we had. I do n't have a debt with Harvard Collection and they have caused my credit to suffer significantly by reporting this derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
XXXX  said I had to dispute this with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ). 

Here are more hard inquiries that I did not authorize : Ally Financial XXXX XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  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 explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: FL
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:
Since XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to Equifax. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that Equifax remove this account from my credit report but they continue to disregard my wishes. This account was closed in XXXX and should not be on my report anymore. The creditor reported this account again to Equifax on XX/XX/XXXX due to my dispute did not delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been wanting to do a short sale since  XXXX    XXXX  . Our biggest complaint is why our short sale was denied when our home was appraised for {$120000.00} and the top buyer for our home is offering {$120000.00}! It does n't make sense! We 've done everything our bank demanded us to complete.We gave them our financials m ore than4  different times. They required us to fill   RMA forms   for them  3 d ifferent times. We have had to write multipleletters to the bank to let them know that we do not want the house and ca n't afford to keep the house. We have sent in hardship letters to them on more than  2 o ccasions.I do not understand why  HUD   is denying the short sale process! It seems very fraudulent that they and Bank of America wo n't accept an offer that 's above the appraised value!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ALL XXXX MAJOR REPORTING COMPANIES FAILED TO VERIFY MY INFORMATION WITH CREDITORS BEFORE ALLOWING THEM TO PULL MY CREDIT REPORT. I had a fraud alert on my credit report that would have lasted for at least 4 to 5 years. There were inquiries on my credit report that were not mine. I disputed with all 3 major credit reporting agencies over and over again with no resolve. These creditors pulling my credit profile have not supplied any proof of verification showing any signed applications verifying my identity. The following are hard inquiries on my credit report that I have no knowledge of. 

- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX These inquiries have an impact on my credit score and need to be removed. 

-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: CA
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 a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX enter has a consumer credit account with American Express.according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. 

XXXX XXXX XXXX XXXX is aware and has proof in attachment labeled as Exhibit C that American Express is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. American Express in fact took cash as shown in attachment labelled as Exhibit A and B. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and B that American Express is in violation of 15 U.S. Code 1666d. American Express did not credit the amount of the credit balance to the consumers account for consumer credit transactions. American Express did not refund any part of the amount of the remaining credit balance. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and B that American Express is in violation of 15 U.S. Code 1692g American Express did not validate the alleged debt. and ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi, I am writing to you regarding crazy situation that happened with me. I found accounts that do not belong to me. I mean they are not mine. I am identity theft victim and I am very XXXX out because of this situation. These unknown items just killed my report. Please do something and delete them

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 2017-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
The bank claims I made a {$1900.00} purchase at XXXX in XXXX using my chip card. I live in XXXX but recently visited XXXX and XXXX on business. Two things occurred leading up to this fraudulent purchase. My bank sent me an E-Mail stating they are sending the debit card I requested. At the same time, someone had my home mail forwarded to an address in XXXX. I did not request either. 
The bank claims the purchase was made with the chip card in a XXXX ready machine. The card has never been out of my possession except for the occasional use when you hand it to a store employee to swipe. And that is what they do, swipe the card. I do not ever recall handing to someone who inserted it. 
If the chip card was used in a XXXX ready machine, how was it processed in XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA Banking locked my access to my accounts with instructions to call them to unlock. When attempting to call their wait times are XXXX long. I have been attempting to contact at different times for the past XXXX days with no resolution of the issue. There is no other avenue to fix the issue to access my money. No actions have been taken by the company to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear Investigator, I made a payment to pay-off the full amount due on my account for over {$10000.00} in  XXXX   2017 . It was indeed deducted from my checking account and it seems the account was closed by the credit card company without notifying me the card holder. This is a poin t I ( Dispute ) ho w the unprofessional behavior of this credit card firm is causing me serious concerns. It seems they claim it has not been paid up to date. I wrote them a official letter requesting a full detailed summary of their actions. Never have gotten a response to the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It is XXXX duty to be reporting correct and accurate information to TRANSUNION on my credit report and file, however, they are NOT. XXXX is reporting payment terms of 999 months to TRANSUNION on my credit report. This is incorrect and makes my credit report appear inferior. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A student loan payment constitutes a transaction. With that said, the reporting of the inaccurate payment terms results in XXXX & TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give XXXX & TRANSUNION written instruction/permission to furnish these inaccurate payment terms on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). Also 15 U.S. Code 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. It is clear that XXXX & TRANSUNION have violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2017-06-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This leasing company returned my security deposit after i completed my lease and moved out. Then over 2 years later this debt appeared on my credit report. They did not send me anything to give me a chance to dispute before placing on my credit report. I have contacted company several times and asked them to send me validation of debt and was told they did n't have to validate anything to me and just to pay them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In   XXXX  , I worked with my student loan servicer to consolidate my loans. At the time I had just completed my   XXXX   XXXX   and had a daughter in college with loans. I spent a great amount of time on the phone with an employee of the servicer going over the consolidation, repayment options, and the public service loan forgiveness program  (  which I was qualified for ). I believed the employee was being truthful with me and that I could look forward to beginning to repay my loans so that I could get through my 10 years of public service loan forgiveness ( PSLF ). As my in school deferment was ending, I called  FedLoan ba ck to find out what my payments would be and to make sure everything was set for me to begin repayment on the PSLF. At this time I spoke to a very helpful gentlemen who informed me that unfortunately my loans had been consolidated incorrectly ( my daughter 's loans had been added to mine ) and that I would not qualify for IDR or other plans. I stayed on the phone with him for a very long time while he attempted to find out if their was anything he could do to stop or re-do my consolidation. I was in tears and he genuinely seemed to be trying to assist me. It is unfortunate that we were not able to figure anything out. There was no way I could afford {$1200.00} + monthly and he was very apologetic. If only the person I talked to from the beginning had the same moral and customer service driven mindset. He helped me apply for forbearance in hopes that by the time it ended I would have found a better paying position using my degree. Unfortunately, that has not happened and I have not only not been able to find a better paying job, but I have not been able to find a second job that could pay this amount. I have called back to FedLoan several time to see if there is any remedy because I really want to begin paying my loans, but have no way to pay so much a month. I was told that if I ca n't pay the total amount due that I ca n't pay anything at all. This does not sound correct to me.     After reading up on my issue, I found that it has been a common problem with FedLoan Servicing to make consolidation errors, repayment errors, payment calculation errors, and give misinformation to students/ former students beginning to make their loan repayments. I know see that my case is just part of the bigger issue, but unlike some others I truly want to complete my PSLF. I have lost 3 years of the 10 years of payments I am expected to make and that is very disheartening to me. I would love to know what remedy their is for me and others like myself. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mandarich Law Group , LLP sent a summons for an alleged credit card debt amount. However, they violated the FDCPA regulation F that states, " ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; '' They used a rushed and improper method, and therefore did not follow proper protocol, resulting in a faulty court trial case.

Company response to consumer: Closed with explanation