BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
Company: EQUIFAX, 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:
Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item below to be incorrect. 

1. Account was closed and transferred to another provider paid in full XXXX XXXX Account Number : XXXX This account was on an agreed payment plan after being closed and transferred to another wireless provider by me. This item was paid in full and not a charge off or collection as per a pre-arranged payment agreement with the creditor. 

Please remove the inaccurate charge-off /collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries and 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 2021-07-01
Company: Advantage Credit, Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
I got a copy of my XXXX Credit report and noticed a false inquiry for a alleged loan application, I did NOT do this and the company said they are only a third party agency to file with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX bought a debt I owed to Capital One. The last payment sent was to Capital One in XX/XX/XXXX. XXXX XXXX has called me daily numerous times a day for around a year. They have called my parents, past neighbors, and anyone they think is associated with me. They have lied to the credit reporting agencies about the last payment date to keep it on my credit report. As I stated last payment made was XX/XX/XXXX, they are reporting I made a payment to them in XX/XX/XXXX which is an absolute falsehood. I have told them to stop contact, I have sent them a letter requesting them to stop contacting me, my family, past neighbors, past employers but it seems to be of no avail. Not only have they lied to keep their debt on my credit report, they are harassing me. Its been 11 years since I last made a payment, but they set it up so they could continue to harass me and lower my credit score until XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: MOHELA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
MOHELA is horrible. I sent in a message XX/XX/2022. Requesting a refund on the payments Ive made during forbearance. I instead decided to call and handle it quicker. I was on hold for XXXX minutes  but was told Id be approved in XXXX  days, and be refunded in XXXX  days. 
I sent a message XX/XX/XXXX requesting an update. I sent another message XX/XX/XXXX. I sent a complaint message XX/XX/XXXX. I sent another complaint message XX/XX/XXXX. Ive never received a single reply from any of the messages sent. I have called every day at least once and at different times for the last XXXX weeks and there are XXXX minute wait times to speak to someone. Once you finally get someone on the line, they hang up on you. This is getting absolutely ridiculous. 
Again, MOHELA is horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this collection company with XXXX, XXXX  and XXXX  that this company is fraudulent reporting this collection account to my credit report. I sent the documents to XXXX  that I asked for this company to verify the debt and documents given did NOT validate that I EVER had ANY ACCOUNT with this company but with another company. I need for this to be immediately removed for all of the credit bureaus listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/20 I was notified that a credit card was attempted to be opened under my name at 2 stores. I did not do this - this was fraudulent attempt. The stores were Kohls and XXXX. I called and told someone that it was not me at each store. 

Today, I recieved a letter about an attempt by someone to open a XXXX credit card under my name. This was also not me and was fraud. I tried to call the store but they are closed due to it being a holiday observance ( black friday ) XXXX/XXXX/20. 


Please help. I did not attempt to open any of these 3 cards. I am worried that more is happening with my identity and credit that I don't know about because of this also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: VA
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:
FIELD ( 25 ) FCRA Compliance/Date of First Delinquency - XXXX XXXX  is reporting an inaccurate Date of First Delinquency to two major Consumer Reporting Agencies ( equifax XXXX XXXX ) and XXXX has no date of first Delinquency at all. 

The Date of First Delinquency for equifax and transunion shows as XXXX XXXX which is inaccurate reporting according to FCRA Compliance. The file is not aging correctly and is affecting my credit scores.The Date of First Delinquency is used by the consumer reporting agencies to determine when delinquent data is to be deleted, pursuant to the Fair Credit Reporting Act ( FCRA ) and Date of the first delinquency with the original creditor that led to the account being sold or placed for collection. The format for XXXX is XXXX and the exact date should have been provided for this account for accuracy. 

Also for the account on the XXXX report XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account status shows {$1200.00} past due as of XX/XX/XXXX. I have not been in communication with the collection agency to establish any arrangements to pay therefore a past due amount should not be reflected on this account. 

On the Equifax report for the same account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Past Due shows {$1200.00}, as stated above I have not been in with the Collection agency to establish any arrangements, therefore they should not be reporting a past due amount. 

The FCRA states that companies which furnish data to the consumer reporting agencies have a responsibility to provide accurate information and only inaccurately reported accounts should be deleted. In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the day commencement of the delinquency on the action that immediately preceded the action.FCRA 623 ( a ) ( 5 ) ( A ). 

Since XXXX ( XXXX ) was not provided the Date of First Delinquency for the account witXXXX XXXX XXXX within 90 days after furnishing the information for this account as required under the Fair Credit Reporting Act FCRA 623 ( a ) ( 5 ) ( A ), the account should be deleted from all three Consumer Reporting Agencies to preserve the integrity of my credit Portfolio and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please accept this Qualified Written Request for a copy of the Notice of Hearing for a specific file number identified by SunTrust 's law firm as " File No. XXXX ''. This " Notice of Hearing '' is distinct and separate from File No. XXXX found within Court file XXXX XXXX XXXX and XXXX within XXXX XXXX XXXX respectfully. 

Thank you - 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 2019-06-04
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
company who had a caller id of CCS office continues to call my cellphone and will not identify what they want. Continues to as for personal information before they will talk to me like name address and SS # and I will not give any of that over the phone. Have asked them numerous times that they are calling a work number for my business and to remove the number from their database yet they continue to call harassingly and will not stop!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Keep getting calls about being past due and late, when paid before late date. Also calling people that are not on loan and even tied to my loan after being repeatedly told not to call them. They stepped out of line calling a family member thats not even on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have repeatedly disputed the XXXX XXXX XXXX XXXX account on my credit report with each bureau. Each one is reporting inaccurate information they claim is verified. Each one is reporting different information. There should not be a payment due listed on this charged off account. It was written off, but the bureaus claim there is a payment due and a balance due. I requested the payment history from XXXX XXXX XXXX XXXX, and have provided that to the bureaus, but they are still reporting inaccurate information as verified. XXXX states the balance due is {$2000.00}. The bureaus are reporting {$8900.00} due.The payment history is incorrect according to the document provided by XXXX XXXX. This inaccurate information has been disputed, however, it is still inaccurately being reported. This misinformation is extremely detrimental to my financial well being and credit.

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 2017-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Went to the Credit Report site that should get all three of the credit reports. No problem with XXXX, and got the XXXX online, but a download of the report did not work. Still waiting for XXXX to respond to my " Online Complaint ''. 

Then tried to get the Equifax report. There system would not take the last four of the Social Security Number. It keep giving me a error code. So I filled out the " Online Complaint '' form telling then of the problem. I did not receive any notification that they have check on the problem with there system. Then get a printed form, in the mail from them, asking for my information ( See Attachment ). 

It appears that Equifax has some problems with there systems since it will not take my valid SSN. 
If the system will not take the correct Social Security Number then do not know what good it will do to send them the same information!! Also have had other problems with the Equifax systems in trying to freeze my " Credit Report '' and trying to get them to monitor it. So have no confidence in them doing anything correct with there systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express keeps giving inconsistent and misleading information on same subjects. 

I opened a new credit card with American Express on XX/XX/17. Before applying online, I called their customer service to confirm if they have next day delivery option since I will be away from the delivery address but need to use the card, the representative told me there is an instant card info service that applies to certain cards. So I asked her if that applies to me, she said, yes, since you are a new customer, you can have the instant card info and you will receive an email right after opening the account. However, after opening the account, I didn't receive such email. So I called them again, and the rep this time told it is not eligible to me. If I had known the first time I called, I wouldn't have opened the account at all. This is false advertising. 

Then, I looked it up on their website, and saw this statement " If you need to change the shipping address, please contact us. '' under the new card deliver page. So I reached out to an online chat rep and asked if they can change the delivery address. This rep told me, he can not do it but he gave me a number and said it can be done on the phone just not in the chat. With the previous experience, I asked him are you 100 % sure they can do it. He said he needed to further check and then messaged me " Yes, I can confirm they can do it. I dialed the number he gave me, but the rep on the phone said they can not do it but I can contact the new account service department and they can help me. So I did, but apparently they also told me there is nothing they can do. They can not change the delivery address whatsoever. 

So far, aside from getting false information and lied to, nothing has been done to solve any issue with the new account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have someone using my address to open bank accounts- it is the third of fourth account they have opened using my address. 

The name is 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 2021-07-16
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have a BinanceXXXX account. I sold my crypto and deposited it into my bank account. I need a statement to provide to my mortgage provider in order to purchase a home. I can not print one. Their system will not let me. I have never printed one prior. I contacted customer service ( ticket XXXX ). It was very difficult to get response and it was taking extended time so I had to go on to XXXX and leave comments on their site to get response. I clearly explained the issue : I need a statement but your system wont allow me to print. It says I printed over 10 times when I have never printed any. They first responded with instructions on how to print. That was not the issue. Then they replied with you printed too many times. Again, not the issue ... as I never printed before. Then they offered to send a printed copy to my email ... for {$55.00}!!!!! This is supposed to be free for customers. I should not have to pay them for a problem on their end. Then when I went back to XXXX and posted what they did they blocked me and closed my case. 
Let me add, this statement is so important because it is the last document needed to obtain my home loan. I need to provide statement to show where my large deposit came from. Without this, I am at risk of denial for the mortgage. I have two weeks to be out of my rental due to it being sold. Denial will leave me homeless. Also, the people I am buying the home from will also be in trouble because they have quit their jobs and are waiting to move. So BinanceXXXX needs to realize a simple statement can mean more than they realize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collection notice dated XX/XX/2020. Tried to contact TSI Inc., no response, Collection Notice regarding a Creditor : XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. XXXX denied sending an account in my name to collections because I have never had nor do I have a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, and XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States 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 instruction. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.

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 2019-06-04
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans are now serviced by Navient and I noticed just recently that the loan disbursement dates they have listed do not match the time I was in school and the loans are owned by another bank. I would like a full inquiry on the loans they are servicing. they show a date of XXXX for the distribution but I did no attend school in XXXX we moved from XXXX to XXXX in XXXX. the disbursements should be XXXX and or XXXX. I requested full validation of the account will all payments made to them and the previous servicer. my balance just keeps getting higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: JPMORGAN CHASE & CO.
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: Credit card company forcing arbitration

Complaint:
Chase sent me an email today with the innocuous title " Important information regarding changes to your Chase account '' ( they often use similar titles for ads and other communications ). 

In it, they force me into binding arbitration ( despite that never being something I had agreed to and never being a part of any contract between me and them ). 

They do include a method to opt out, but have no additional information about the consequences ( many other people I've seen who have had a similar problem are afraid that Chase will close their account if they opt out ) and, even more egregiously, despite Chase simply sending an email doing this, they require me to mail them a letter with my personal information enclosed in order to opt out. 

This is clearly less secure and a massive loss of both my time and money that is clearly being used solely to dissuade people from opting out. 

This is blatant malpractice by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
I was a victim of the EQUIFAX data breach and was given notice that my info indeed was affected. Due to the breach, I believe these following accounts were opened fraudulantly. 
I hav filed a complaint and also a claim to EQUIFAX. 

XXXX XXXX XXXX {$1000.00} Account XXXX XXXX XXXX XXXX XXXX {$1400.00} Account XXXX XXXX XXXX XXXX XXXX {$790.00} Account # XXXXXXXX XXXX {$3500.00} Account XXXX XXXXXXXX I have filed and disputed these erroneous accounts but, I have not seen the accounts deleted. My life has been diificult due to XXXX and not able to get financing to survive due to these negative accounts on my credit report. I ahve enclosed the EQUIFAX claims form. 

I would like these accounts deleted off my credit reports.

Company response to consumer: Closed with explanation