BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: Garcadia Financial LLC
State: UT
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:
On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. 
After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: AES/PHEAA
State: AZ
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:
I returned to school at the XXXX XXXX XXXX in XXXX to obtain my XXXX Degree when I was in my early 40s.  I took out student loans with the service provider being XXXX XXXX, then XXXX.  I have been a long-time government employee.  When I first learned of PLSF, XXXX misled and misguided me.  I later consolidated the loans with XXXX  over to the U.S. Department of Education, serviced by FedLoanServicing.  I had many conversations with FedLoanServicing about qualifying for PLSF and what repayment plan was required for me to qualify.

I was misinformed and misled by FedLoanServicing, and after several years of repayment, I was told that I was not in the correct repayment plan.

I recently retired in XX/XX/XXXX, and my income is considerably less than last year.  I need help in getting my student loan debt straightened out, if not forgiven.  The balance has increased so much that I cannot understand why or how.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX Inquiry from XX/XX/2019 3.XXXX  XXXX Inquiry from XX/XX/2019 4.XXXX  XXXX XXXX from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Suburban Credit Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The medical date has been paid and I have the canceled check to prove it. They send my account to collections to SUBURBAN CREDIT CORPORATION XXXX XXXX XXXX, XXXX, Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Experian Information Solutions 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:
multiple accounts opened in my name, have never lived at any of the addresses associated with the accounts. Have tried to dispute on 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 2018-04-12
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just ordered my credit report and found this Diversified consultants with XXXX XXXX, XXXX and XXXX. I dont owe anything to this company nor any other company theyre saying that I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Ascension Recovery Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX  sent a collection letter for XXXX XX/XX/2020, I sent a letter XX/XX/2020 to the collection agency : ASCENCION RECOVERY MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX I requested VERIFICATION /VALIDATION of the debt, on XX/XX/2020 I received the proof of signature via usps, the person signed : Covid 19 THIS " AGENCY " is commiting FRAUD, they need to be investigated. 

XXXX XXXX XXXX has NOT PROVIDED any VALIDATION of ANY DEBTS!!! as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
these bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have tried to remedy the issue that XXXX XXXX caused as XXXX XXXX indicated to me that Equifax could not remove a discharge debt from my report because of two social security numbers. In fact it was not two ssn 's but rather my deceased husbands DOB XXXX was on my report. XXXX XXXX is notorious for reporting incorrect data so i am going to get this resolved through CEPB. Attached please find the bankruptcy discharge notification and a copy of the requested drivers license with my DOB, XXXX. I expect that the debt for XXXX placed by XXXX XXXX to be removed as all the requested documentation is included in the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.

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 2019-07-07
Company: Resurgent Capital Services L.P.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV FUNDING LLC / XXXX this debt was settled and paid - yet it is showing as a collection account - active - on various credit reporting agencies. Company has been notified more than 6times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an American Express Gold XXXX XXXX credit card in XX/XX/2019. It came with a XXXX bonus mile offer after I spent {$2000.00} within 3 months. On XX/XX/2019, I satisfied the spending requirement when my credit card reached {$2000.00}. Attached are my first two billing statements that prove this. I've called AmEx XXXX times and they told me they have 8-12 weeks to put the bonus miles in my XXXX account, but that they 1 ) saw that I had met the required {$2000.00} spend limit within 3months of my open account and 2 ) that my offer does include a XXXX XXXX XXXX bonus. They told me they have 12 weeks from XX/XX/XXXX to pay the miles. XX/XX/XXXX was exactly XXXX weeks from XX/XX/XXXX, so on XX/XX/XXXX I had an online chat with AmEx. I was told that the marketing department has to review the matter, that I can not speak to them since they do not speak to customers, and that it would take 6-8 weeks for the XXXX department to review this. They said that they'd put a request to review the matter on an expedited basis and that I could try calling back in 3-5 business days, but since the XX/XX/XXXX holiday was coming up, I'd probably not get any result. As of today, XX/XX/XXXX, I still haven't received any bonus XXXX from XXXX. It has now been more than 13 weeks since I met my {$2000.00} minimum spend requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
After reviewing my credit report on XXXX/XXXX/XXXX, I noticed late payments reported on my loan with XXXX XXXX. The lates reported correspond to the passing of Hurricane Maria wich affected the island of Puerto Rico during the months these lates were reported. Access to banking services where impossilbe for everyone since the island suffered from a major hurricane disaster and there was no way to obtain access to banking accounts and all our systems collapsed. These lates reporting are affecting me adversely since I am in the process of purchasing a home.

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 2021-11-30
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: KS
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:
In XXXX XXXX XXXX sent me a letter stating within the next 30-45 the account would be removed. I sent in numerous letters to the credit agency and it has yet to be removed. They have yet to send any correspondence in reference to the account being removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received several emails from Bank of America about settling an outstanding debt for {$42.00}. I reached out to the company on XX/XX/2019. I spoke to a collection agent regarding the email and she started the settlement offer was still good. I agreed to pay the settlement amount for the collection per the emails that had been sent out. Bank of America received payment from my account. I later received an update on my credit report and it showed the account had been paid down but not settled as agreed. The company used unfair and deceptive collection practices and violated the FCRA.

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 2020-08-02
Company: Experian Information Solutions Inc.
State: NY
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 had an original mortgage taken out in 2006 through XXXX XXXX. This original loan was via a split mortgage ( 80 % of loan in one mortgage and 20 % in the other ). The smaller loan has always remained with chase mortgage and to this day remains open and current. Despite submission of direct evidence ( in the form of current billing statement ) in the dispute process, all three agencies continue to misreport this account as either closed, deleted from my report, or included in my bankruptcy. None of this is accurate. The larger loan has been sold to other companies over time ( 1st to XXXX, 2nd to XXXX, and finally to XXXX XXXX ). Again, after following the same dispute process ( with evidence provided ) it remains similarly misreported. All three bureaus have reported both mortgages from all companies at one point ( XXXX, XXXX, and XXXX ) so the excuse that they are not responsible for adding credit accounts does not apply here as they were all previously reported and listed on my credit reports. The fact that some have been deleted does not negate the responsibly to accurately report the information.

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 2020-12-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian continues to report false information on my report. 
XXXX account is fraud. 
I am a victim of identity theft with various discrepancies on my credit. XXXX and XXXX  have removed the accounts in question. I have supplied my FTC report from last year with the account in question listed on the form. Yet they fail to remove this fraudulent account from my report. I am demanding immediate removal of this false information at once.

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 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello my name is XXXX, I have been working with this company for 7 years, I am very happy with your services. 

My account is : CAPITAL ONE BANK USA NA, Account number : XXXX Date Opened : XXXX XXXX, XXXX ( 6 yrs, 7 mos ), Credit limit : {$25000.00}, Account status : Open, Type Business : Credit Card. I've never been late ; I have a good payment history that endorses my claims.

I was on auto pay, but the Capital one system never allowed for auto pay to be set for minimum payment, the auto pay instead just had to be set to an amount I had to keep on changing as the minimum payment changed. Then Finally when I didnt get internet access, the Capital One account was locked, I tried to get Capital One to send website log, and Capital One has refused to do so.

I have been through a lot or this late payment on my credit reports. This matter has a simple solution. I am requesting that Capital one deletes/corrects the XX/XX/XXXX late payment from my account and a notice sent to the credit bureaus. 

I believe that we can continue to work together and continue our fruitful relationships. I would be happy and grateful if you could give me a positive response on this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.

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