BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: Credit Management Control, 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:
this company is reporting a account on my credit report when I never had a account with them. My identity has been stolen and this company is using my identity for their personal gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-08-17
Company: Synovus Bank
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:
I have a loan with FSTPROGRESS, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, FSTPROGRESS, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Lockhart, Morris & Montgomery 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:
I have a loan with XXXX XXXXXXXX XXXX, XXXX XXXX Original Creditor : 14 XXXX XXXX   XXXX I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX ). I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 14 XXXX XXXX XXXX  I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: IN
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 the Fair Credit Reporting act XXXX the following Accounts has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Laws : 15 U.S.C 1681 section 602 A. States that 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.

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 2020-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one is reporting 3 missed payments. This is incorrect. I have made all my payments and have paid extra. They are reporting XX/XX/XXXX, XXXX & XXXX as missed to all three credit companies. 

I made a {$5.00} payment in XXXX, a {$200.00} payment in XXXX, {$50.00} payment in XXXX & {$66.00} in XXXX, {$25.00} in XXXX & {$50.00} in XXXX That is a total amount of {$400.00} dollars. at my min payment of {$25.00} a month I have overpaid this year so far {$170.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made 2 separate payments that are missing with Edfinancial. One on XX/XX/XXXX with Confirmation Number # XXXX totaling {$29000.00} and another one on XX/XX/XXXX with Confirmation Number # XXXX totaling {$1900.00}. I have uploaded documents showing these payments and verification. I have even called them willing to give them the verification numbers for them to check and they refused. While these payments have been processed and taken out of my bank account, they have disappeared from my payment history and have not been deducted from my loan balance besides a {$21000.00} payment that was posted, which is only a portion of what I paid. Please investigate this matter and include the payments I have made as paid to deduct them from my outstanding balance, thank you. I can be reached anytime at ( XXXX ) XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-24
Company: Upgrade, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Subject : Complaint Against Upgrade Credit Card Services for Unjust and Deceptive Practices Dear Consumer Financial Protection Bureau, I am writing to lodge a complaint against Upgrade Credit Card Services, which has engaged in what I believe to be deceptive practices and false advertising, leading to a significant, unjustified drop in my credit score. 

In early XX/XX/2023, I was solicited by Upgrade to apply for a loan via my login page. The advertisement explicitly assured me that " Checking your credit will not affect your score. '' Relying on this assurance, I submitted the loan application, believing it would have no adverse impact on my credit score. 

However, on XX/XX/2023, without any prior notification or explanation, Upgrade lowered my credit line to the balance owed, which was approximately {$5300.00} at the time. This action pushed my credit utilization to 100 %, leading to a dramatic decrease in my credit score by over XXXX XXXX.

What's more, Upgrade has requested my bank statements to complete the loan application review the very application which was supposed to have no negative impact on my credit score, but instead was used to justify the reduction of my credit line. I see this as a direct contradiction to the promise they made that my credit would not be harmed. 

The reasons provided for the downgrade, sourced from XXXX, were 'recent high obligations, ' 'high proportion of bank issued installment accounts, ' 'recent over limit on bank issued card, ' and 'inconsistent trend in use of non-mortgage accounts. ' These reasons are vague and do not correspond to my credit habits or history. Furthermore, they do not justify the considerable decrease in my credit line and the subsequent harm to my credit score. 

I am of the belief that this constitutes a clear violation of the law, and it is my intention to seek damages for the harm this has inflicted on my financial health. I have asked Upgrade to rectify the situation immediately, including restoring my credit line and taking necessary measures to repair the damage to my credit score, but I am yet to receive a satisfactory response.

I kindly request your intervention to investigate this matter and help ensure that Upgrade is held accountable for its actions. I hope my experience can lead to better regulation of these practices in the future to prevent others from facing similar circumstances. I have never been late, and my score is XXXX XXXX higher than when I took this card/line. 

Thank you for your attention to this matter. I am happy to provide further details if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EdFinancial Services
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, paid {$15000.00} to EdFinancial Services, my student loan service provider. The bank information was all correct and I had sufficient funds in my bank account to make the payment. The portal shows I made the payment on the XXXX, followed by a line that says " Payment Reversal '' on the same day. They did not notify me that the payment was reversed nor did they give a reason for the payment reversal. This means on XX/XX/XXXX, I was charged interest on {$15000.00} MORE worth of loans than I should have been. I had tried to contact EdFinancial Services to see why this happened and they have not responded for over XXXX weeks. I believe they knowingly reversed the payments of many people who attempted to pay before the XX/XX/XXXX forbearance ending in an attempt to charge more in interest payments from student borrowers.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-17
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I transferred XXXX dollars from my Chase account to my XXXX XXXX XXXX account using the chase quick pay function. 
Using the same information I made a total of 12 transactions and 11 of those transactions went through but one of them never went through. 
I submitted a request with Chase bank and they closed my claim saying that the money had been transferred. 
I have spent more than 25 hours waiting on the phone line and trying to talk to representatives from Chase and they have been extremely disrespectful towards me and very dismissive of my predicament. 
I tried to talk to XXXX XXXX XXXX numerous times and met with their representatives. They told me they couldn't help me as the money was never transferred from Chase. 
Finally a XXXX XXXX XXXX branch manager wrote and signed a statement and handed it over to me. That statement is a declaration from XXXX XXXX XXXX that the money was never transferred from Chase but Chase refuses to accept my request or even take my calls anymore. 
Every time I call their customer complaints they keep bouncing me off from one person to another. 
Please please help me. I am so done. This has caused so much stress in my personal life and wasted 03 weeks of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
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 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 items. 
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 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 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 2023-07-20
Company: EQUIFAX, INC.
State: DC
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 am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Re : Equifax In XX/XX/XXXX, I filed a Dispute with Equifax ( online ) through myEquifax account for a collection item placed from Debt Collector, XXXX XXXX XXXX ( herein referred to as XXXX ( see CFPB Complaint No : XXXX ). 

Original Debt of this case with XXXX XXXX was dismissed in XXXX XXXX XXXX XXXX on XX/XX/XXXX. Then, XXXX XXXX sold the Debt fraudulently to XXXX. On XX/XX/XXXX, I logged into myEquifax account to update my dispute by attaching the Notice of Dismissal. I notice right away there were several items wrong. I am a homeowner yet, my credit report summary reflects I have no Mortgage. In reviewing the tab collections XXXX does not show therefore, I can not dispute, update my dispute nor, submit my evidence. I went to the feature Disputes and nothing is showing? I called Equifax. I was connected to an Agent that could barely speak english. I tried to explain all that I had found wrong but, she was not understanding me, instead, kept repeating the same information that did not pertain to the issue of : Equifax online for my account is wrong, contains errors that is hurting my credit and I would like to speak with a Supervisor. The Agent kept arguing with me. Telling me I can just mail in the documents. I advised that I was not going to just mail in legal documents and, give her a statement while she enters my statement over the phone. It took five times of me asking for a supervisor before the Agent said Ill see if we have one, but I dont know Two hours and thirteen minutes later since I placed my call, I was speaking with a Supervisor. Another Agent that barely spoke english. I explained three times what the problems were but she was not comprehending the issue of : If Equifaxs online system is not properly working, I am unable to rightfully file a Dispute to fix my credit. Equifax has hendered me in my endeavor to fix my credit because I filed a dispute yet, they have no record of it. Equifax has failed in their duty to serve consumers in the capacity under the law in which credit practices state and that she was to delete my Account and all my personal information immediately and I would be filing a complaint against Equifax. 
Her response was, okay. She deleted my account and sent me a confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry on my credit report I did not authorize

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 2023-07-19
Company: EQUIFAX, INC.
State: MO
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: Navient Solutions, LLC.
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:
I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DEPT OF ED/NAVIENT and XXXX XXXXXXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 90 days late ( XX/XX/2019 )

Company response to consumer: Closed with explanation