BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
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: Information belongs to someone else

Complaint:
I reach out to you all back in XXXX about me seeing accounts on my credit that I know nothing about. These folks are reaching out and sending letters and threantening me and I told them those are not my accounts. Can you please help me Im doing this on my own and need your help. A few of the accounts I mentioned back in XXXX did come off but there are still some on there XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: MD
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:
Requested the following accounts to be deleted from my credit report XX/XX/XXXX. I have not received any response. 

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Navient Solutions, LLC.
State: IL
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:
In XX/XX/XXXX, I was hired at the XXXX XXXX XXXX and shortly after, I noticed student loan payments being taken out of my pay. This is my error, of which I am deeply embarrassed, but I did not know it was a garnishment of wages, rather than a monthly direct payment. The balance according to their records was {$23000.00}. I contacted the loan servicer, XXXX in XX/XX/XXXX, requesting a lower payment and this is when I discovered that the LAST 5 YEARS of payments were made under a garnishment. The conversation was if I made the payments for the next 3 months on time I could get a smaller payment ( from nearly {$400.00} to less than {$200.00} ). I was also told in that conversation that if I had a total of 120 payments on the books on time, I could probably get the rest forgiven. My loan was transferred to Navient, effective XX/XX/XXXX,  where I have faithfully made my payments. Between XX/XX/XXXX and now, I had read on the website about loan forgiveness that you had to start one year before your 10th year to  begin the process. In XX/XX/XXXX, I went online, downloaded the form to begin the forgiveness process and mailed the form in. I received a response that my loan was not in the database. I called the phone number given, and a rep named XXXX ( # XXXX ) confirmed that my loan was not in the database and transferred me over to the Public Service Forgiveness Department, where I spoke to a rep named XXXX ( # XXXX ). XXXX confirmed that my loan was not located there and she explained that my loan was not a Direct Loan and that if I requested it at that time, I could begin the process of another 120 payments for forgiveness. I told XXXX that I made payments monthly to Navient and those loans were labelled " consolidated '', and asked what it meant. XXXX replied that was another kind of consolidation and did not qualify as the loan forgiveness qualification process. I am XXXX years old. I have faithfully paid on these loans for 10 years and then some, beginning back in XX/XX/XXXX. It is mind-boggling that I would pay two 120-payment segments on original loans, totalling {$6500.00}. Mind you, I knew nothing about  the loan forgiveness part of student loans until XXXX told me about them. At no time did XXXX say that I had to do anything besides make the 120 monthly payments. Similarly, I do not recall reading anything about putting in a request to change my loan to a " Direct Loan '' in order to qualify, else I would have done it ; all of this time I believed I was in compliance with achieving forgiveness status. If you count the payments I made beginning in XX/XX/XXXX, I have paid on this {$6500.00}. Surely, you have recouped what was owed and more by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: OK
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 XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. 
The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to challenge the reporting and compliance on an account with [ XXXX/XXXX ] that is being reported on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that they are reporting [ an incorrect/missing account number XXXX ]. 

Their improper procedures are highly damaging to my credit score.

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 2021-02-18
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I opened a XXXX  Credit Card For XXXX XXXX XXXX  on XX/XX/XXXX, for XXXX XXXX XXXX XXXX. We were forced to shut down in XX/XX/XXXX by the Government, due to the Covid-19 Pandemic. When the XXXX  was operating the office manager was responsible for monitoring payment monthly. If you review my credit history with this Credit Card, you can see that I never had any late payments before Covid-19 Pandemic. Due to the Covid- 19 pandemic we were not able to return to the office until XXXX. As soon as I saw there was a late payment, I paid the balance off completely in full. My credit is very important to me and if it wasn't for a global shut down there would be no late payments. I asked Chase to stop reporting late payments to my credit bureaus as this was not a typical situation and XXXX XXXX was strongly affected by Covid, as it was forced to shut down.We live in XXXX XXXX, which was and is the epicenter for Covid. Our business was forced to close for almost 7 months.I have XXXX XXXX XXXX and are prone to XXXX, there for I was scared to leave my house. I ask you to please help with removing the late payment from my credit asap, as it is strongly affecting us obtaining a mortgage. We want to purchase a home that is more isolating and more safe during such scary times, my credit score is solely being impacted by the late payment from the XXXX  Chase credit card, and is making it impossible to get approved for a mortgage. I appreciate your help with this matter Thank you XXXX XXXX SS # XXXX Chase XXXX CC # XXXX Open on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NC
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 have no knowledge of the following accounts : XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX These accounts were created without my knowledge. I tried to even pay on them to save my credit but was advised to stop per my lawyer. 

I couldnt save the fraud report but the reference number is XXXX Please remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Jim Bottin Enterprises, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive a robo phone call at least 3 times a week regarding a debt on a gym membership that was a gift for me, in another state, almost a year ago. Although I did not fill out any of the paperwork, use my credit card or have anything to do with the sign up process, I still receive these calls. The past due debt has been paid in full and I have been emailed a receipt of the settled debt by the person who started the account, I am continually harassed by XXXX XXXX on the Behalf of XXXX XXXX in XXXX XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: UT
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 havent received a response to the letter I sent to Experian dated XX/XX/2017 stating that they need to re-investigate and verified the Item listed in the attached letter named Experian 6 which is my 6th letter I 've sent trying to resolve this matter. In an effort to help Experian in their investigation I have attach a copy of my Equifax Report that clearly shows that they couldnt verify the Items and were deleted. I would like to know how they " verified '' the information listed below when it is clearly inaccurate : Did Experian call the original creditor or just look at the information in your database? 

Please see attachment letter and files for the items Please provide me with the following information within 15 days : Proper valid documentation required by the FCRA Or delete this misleading 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 non-monetary relief
Consumer complaint received 2017-10-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Based off of the recent breach in the identity theft matter with the Equifax I am REQUESTING a freeze on my report until requested otherwise. Also I am not consenting to any reporting to my report until Equifax provides me with a legit agreement that I 'm in not in jeopardy of being a victim of fraud, identity theft and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Americollect Collections continues to report a said collection that is currently being litigated by my attorney ( XXXX XXXX XXXX XXXX XXXX Original creditor has been contacted about this lien and therefore this collection agency that I have no contract with should not be trying to collect a 6 debts that are not related to the original creditor debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CITIBANK, N.A.
State: NC
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:
In attempting to secure a mortgage, I have been closely monitoring my credit report. On XX/XX/XXXX Citi reported a balance on a card that I have on them. Since XX/XX/XXXX, I have made a multiple payments in the amount of {$1600.00}, {$250.00}, {$1300.00}, {$1500.00}, {$1400.00} and {$95.00} to payoff the balance on the credit card as well as maintain the zero balance. As of today, XX/XX/XXXX, Citi has not reported to any credit bureau since then, while telling me it is there policy to report every 30 days. The first agent that I spoke to stated that my information was reported " accordingly '' since the inception of the account. When asked what " accordingly '' meant, he stated multiple times that it was every 30 days. Upon counting 30 days fromXX/XX/XXXX with the agent, we concluded that an update should have been sent on XX/XX/XXXX. At this time XX/XX/XXXX, I have paid for a credit report daily from the three agencies to see if Citi has provided the updated score so my lender is able to pull my final credit to close on my house. To this date, Citi has not provided the updated score and customer service was not able to provide any resolution that was timely. The first option provided to me was that I mail a letter to the credit risk department but was not provided with what the credit risk department could do or how they could help. When asked what I should include in this letter, I was told to " just explain my problem. '' This felt like, send your issue off into oblivion so I can hang up and move to an easier call. Secondly, the supervisor told me that she could open a dispute directly with the agencies but I have already done that and this would take 7-10 days to see if the agencies have anything to say. ( This does not make sense as the agency is not responsible for Citi reporting my score and the agenices have already told me Citi has not sent an update since XX/XX/XXXX ). Finally, she said she could have the credit team push my updated information but it would take 30 days for that to appear. If this were the case, it would take Citi 68 days to update to the agencies, after promising they update accordingly, every 30 days. The irony here is that it doesn't take 30 days to show a new line of credit when opened with Citi but yet it takes 30 days to report a zero balance and a several thousand dollar increase in a credit limit.

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 2017-10-13
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Bureau of Collection in XXXX XXXX XXXX XXXX XXXX XXXX has taken an old debt from XXXX that shows closed and paid on my credit report and opened a new debt through their company for {$6200.00} as a collection on my credit. I have worked hard to repair my credit and this dropped it significantly. How is this even legal to open a new debt on my ss # with their company. Please help me to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA not mine / No knowledge of those account.

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 2019-07-19
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX   account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Accelerated Receivables Management, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Accelerated Receivables Management ( ARM ) predatory collections agency trying to collect for XXXX XXXX XXXX ( XXXX ). This has affected thousands of people. 
XXXX was convicted in court for insurance fraud and went bankrupt. 
Article : XXXX XXXX XXXX I was called and told to pay an unverified debt with no documentation available. Caller said my credit was affected. I was never notified. Caller had wrong contact information for me which is why I never received notice. I verified my credit WAS actually affected as delinquent. All for a couple hundred dollars. How can this be legal? Possible fraudulent collection practices for Washington State. I attempted to call a few times and was met with arrogant, belligerent and threatening attitude and was hung up on repeatedly. These people need to be reigned in.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 noticed my credit score decreased by a significant amount, from XXXX to XXXX on TransUnion. I called and they told me to go online to XXXX. When I got there and put my information in, I was unable to see my report. The person on the other line told me he would look up my report, and after looking at it he said there was an " error 219 ''. A mismatch due to multiple files on my report. He transferred me and said another person could help me. When I reached the next party, he said there were multiple files on my report and asked ME what I wanted to do about them. I said I did n't know what to do about the error. I was told this is what could be impacting my score and I wanted to know what they 're going to do about it. I was then transferred to another department where I was put on hold for an hour. After an hour I hung up and tried again to get the same question, " what would you like us to do about this error? '' Then he told me the department we needed closed at XXXX ( we were on hold from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I authorized a XXXX XXXX transaction order # XXXX / XXXX was captured XX/XX/XXXX at XXXX XXXX documented on a solid signal order transaction list emailed to me. The list revealed a XXXX XX/XX/XXXX credit after I requested a product shipment return authorization. My capital one 360 checking account was debited XXXX twice on XX/XX/XXXX and XX/XX/XXXX.On XX/XX/XXXX XXXX was credited.On XX/XX/XXXX a billing error occurred on transaction USPS XXXX XXXX XXXX XXXX XXXX NJ , I was debited XXXX for a XXXX priority mail package without receiving any cash back.My current available balance is incorrectly calculated as XXXX cent but the total excluding the ( XXXX XXXX double debit and USPS XXXX dollar overcharge ) errors should be a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had fraudulent activity on my account, with my Wells Fargo Checking Account and they refuse to investigate in which closed my account. The amount XXXX, I have called on several occasions with agents telling me there is nothing they can do. This is now reporting on my credit report. I have had extensive communication with WF, with no help or support, this has been devastating as during this time, my family and I are are not in a good place with family illness.

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 2019-07-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our mortgage loan on XX/XX/2019. One day before closing, the mortgage holder, XXXX XXXX XXXX, withdrew {$9800.00} via automatic transfer from our checking account for the XXXX monthly payment. In the latest correspondence from SPS, dated XX/XX/XXXX, they refused to refund the unwarranted XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation