BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: EQUIFAX, INC.
State: RI
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:
I have been complaining about accounts that doesn't belong to me. I was told to fax my ID information to confirm my identity, I did this 3 times and received no changes or no response. This is making my life hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been reporting a fraudulent debt on my credit report for a few years. I've tried to dispute the debt thru the credit reporting agencies but it always comes back verified. 

I'm a victim of identity theft and have attached my FTC report along with my homeless veterans letter. 

I pretty sure the account doesn't belong to me because I havent had a stable address in over 7 years. 

Please remove the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
FOR THE PASSED COUPLE OF YEARS MY CREDIT KEEPS GETTING PULLED. I HAVE DONE SERVAL POLICE REPORTS ABOUT THIS ALREADY. I HAVE CALLED XXXX IN A COUPLE OF OCCASIONS. THE MONTH XX/XX/XXXX AND XX/XX/XXXX MY CREDIT KEEPS GETTING PULLED BY XXXX BOTH THE STORE AND THE CREDIT CARD. I WENT IN ONCE IN XX/XX/XXXX TO LOOK AT A BIKE. EVER SINCE THEN I KEEP GETTING MY CREDIT PULLED BY THEM EVERY NOW AND THEN. I HAVE FILED A POLICE REPORT ABOUT THIS ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX and TransUnion continues to report an account as open and derogatory. The initial dispute with the data furnisher was issued in XXXX and it was rightfully removed from XXXX. XXXX and TransUnion continue to close disputes in a short time saying that the dispute was complete. However, it is hard to believe that they are actually investigating the account b/c when XXXX conducted their investigation they got a conclusive response to remove the account. The account in question was agreed to be removed and forgiven under COVID 19 payment relief. It is paid in full and closed. 
In addition, I requested that the bureaus notate on my file per FCRA requirements that the account was a result of a Declared Natural Disaster but they failed to do so.

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 2020-05-14
Company: AES/PHEAA
State: CA
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 have been paying on my student loans for over 20 years. I have been a full time XXXX   for over 20 years. After being denied consideration for the Public Loan Forgiveness Program by fedloan servicing, I applied for the TEPLFP on XX/XX/XXXX. In XX/XX/XXXX, I was denied based on having XX/XX/XXXX qualifying payments. I reapplied in XX/XX/XXXX and was told by a representative of fedloan serving that I should definitely qualify. Today, I received an email from fedloan servicing that I do not qualify for TEPLFP because they have changed their qualificationsfrom 12 qualifying payments to 120 qualifying payments ( same as PLFP ). I had applied for a program, and I feel they should honor the terms of the program I applies for. I have never been delinquent on my student loans for the entire time I've had them, which is over 20 years. My payments are currently {$760.00} per month. I have gotten my hopes up for student loan relief numerous times just to find out that I don't qualify base on some small detail or because the qualifications suddenly changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My account was hacked, my password was changed and locked me out. There was a check deposited ( {$4200.00} ), that I immediately called Bank of America about and reported it as fraud. They told me they would look into the claim, and never gave me any answers. Then out of the blue they close my account, without letting me know. I paid off any debts that I owed and XXXX  out the account. Now months later I am trying to open another bank account, and they have reported false information to XXXX. Every banking application I submit gets denied because I have fraud on my report. I have called the banks, and XXXX  and no one will help me. The only thing I have seen that is giving me hope, is to file a report through here. This was in XXXX, it is months later and this is still affecting me.

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 2017-12-07
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:
I have a account on my credit that shows charged off as bad debt when account was paid, I would like account updated correctly or removed from my credit report for inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: SYNCHRONY FINANCIAL
State: NY
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 have a Hard report from Florida about airlines and i have never used that service nor have i been in florida, and i didnt search or put any of my information on any on-line or calling about Airlines. And also one for a walmart hard report. all done in XX/XX/2018

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 2021-04-12
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am disputing and arguing the late payments that are being reported with this account on my credit report. I am really good at keeping track of my records and my credit has been perfect with the exception of these late payments that are falsely being reported. 

There is no way that I was 30 days late on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. How can I have been late 5 times?

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 2020-06-24
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company 1st Associstes dba Vervent claims that I have a student loan with them. Ive never received a degree or attended courses during that time. Ive tried reaching out to the company who was never responsive. When I did I was told Id receive a fraud packet through email and mail. Ive never received it and called to make the company aware. I was told by a clerk the company sent it off through email and refused to help me further. Ive tried researching the company online to find out that they have done bad business in the past by distributing loans to several individuals that were not cleared on the terms. Any outstanding loans were to be removed. The company regardless shouldve removed the incorrect data years ago and that never happened. I have since been tricked into verifying my email address and personal information for the company to send me info. Instead the company discriminated against me to false claims. The company alluded my personal information and lied saying they would send me over fraud packets. I want the company shut down after my lawsuit is over. Nothing was resolved and I feel very much harassed by this horrible company 1st Associates Dba Vervent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Bread Financial Holdings, Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on PayPal Credit for {$110.00} back in XX/XX/2019. I cancelled the order and was issued a refund. However, my balance was not adjusted. I reached out about half a year ago and they made some changes to my account but my balance remained unchanged. Over the past half year, I've been contacting them multiple times about this issue with no resolution and now my account is 'overdue ' because of the balance and interest is accruing on that. It will soon affect my credit report and I was informed they can take up 3 months to fix this. I've already been waiting for 6 months for this to get resolved and such a wait is not acceptable.

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 monetary relief
Consumer complaint received 2018-07-30
Company: Siwell Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
So i applied for a morgage loan and the loan officer named XXXX was not very good with communication. Ive never met her she did everything through emails. I had to call several times till i finally got to speak with her over the phone. She wouldnt give me details of what was going on with my loan. I didnt know if i appproved or if i didnt and she told me about three different loans sonot sure which one she got me. I repetedly asked her about closing cost and told her i need to know cz i dnt have that kind of money if it was to high. She said it would be about 4500 or less them she drew up a conyract and said i needed XXXX XXXX for closing then it changed on another email said i needed XXXX, XXXX and i told her i didnt have that kind of money but i would try my best to get it and how long i had .she said not till XX/XX/XXXX and i said ok good. I sold everything i had that meant allot to me and i call her three weeks later and she emails me and sais she canceled it but then again never spoke to me about it ever ... im left with nothing ... this was suppose to be a first time good oppurtunity fo my family and a furst time home buyer and i feel like i was treated unfairly and completely cluless to it all of what was going on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On or around XX/XX/2021, I opened an account with KeyBank and placed a {$10.00} deposit via another debit card. On XX/XX/2021, I arrived to the branch and deposited {$160.00} in cash. However, the transaction took an unusual amount of time but the branch staff member at XXXX XXXX XXXX, XXXX, ME XXXX ( phone number XXXX ) informed me that I simply needed to furnish my " car insurance '' information, which I did immediately. She informed me that my account would be unlocked shortly after. 

However, via email I was informed that I would need to provide some forms of documentation, including a lease agreement ( it is a month to month via verbal contract so no lease ), and renters/homeowners insurance. I provided my renters insurance policy in full on XX/XX/2021, which shows my entire address. The entire statement via email was the following : " XXXX can also accept a signed lease, a land-based utility bill showing a service address, mortgage statement, or homeowner/rental insurance declaration page. '' This was sent at XXXX XXXX on XX/XX/2021 from XXXX. 

However, upon sending the rental insurance declaration page, I was advised " You would need to supply a document that shows the address you provided when you opened the account. Possibly have your state ID/Drivers license updated with your current address. Another option - can you get a full/current utility bill and a signed note stating you are living at that address from the person you are renting from? '' aka they aren't accepting the renters insurance policy. 

I believe that I am a victim of a scam to the tune of {$160.00} and they are finding reasons to not reopen my account at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed these fraudulent negative accounts and they are still on my credit. I submitted dispute letters and FTC reports and they still have not been removed. 

TXXXX XXXX XXXXXXXXXXXX XXXX XXXX {$8300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} Experian : XXXXXXXX XXXX XXXX {$8300.00}

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 2021-03-30
Company: EQUIFAX, INC.
State: CT
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:
There is another person with the same name and birthday in another state, her info has been showing up on my credit report for over ten years. Well I had fraudulent charges on a XXXX XXXX credit card, and filed a report with them, closed the account. From what XXXX XXXX tells me, they sent out a new card with a new account number but it ended up at her home. In IL, I live in CT. Because I can not confirm my own info since her info is now on the account, they wont dispute it. Ive tried over and over online, I have also called them, alert all threw credit reports and Ive gotten nowhere. Ive learned this woman has the same name and birthday and possible a similar Ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CITIBANK, N.A.
State: CT
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:
There is another person with the same name and birthday in another state, her info has been showing up on my credit report for over ten years. Well I had fraudulent charges on a citi bank credit card, and filed a report with them, closed the account. From what citi bank tells me, they sent out a new card with a new account number but it ended up at her home. In IL, I live in CT. Because I can not confirm my own info since her info is now on the account, they wont dispute it. Ive tried over and over online, I have also called them, alert all threw credit reports and Ive gotten nowhere. Ive learned this woman has the same name and birthday and possible a similar Ssn.

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 monetary relief
Consumer complaint received 2020-07-24
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A rep called ... Did not identify herself aggressively asking to speak to me. I said this was me and asked who it was. She said I am being recorded and am attempting to collect a debt. Confirm the last 4 of your social. I said I do not know you do I will not just give you my Ssn. So she said well I will just tell you what I have. Then asked for my address and when I said what is this about she never stated. Then claimed I was not cooperating and she would end the call. I told her to that then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
My name is XXXX XXXX, DOB:XX/XX/XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that CARRINGTON MORTGAGE SERV has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current sinceXX/XX/XXXX We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current. 
It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current onXX/XX/XXXXmonth with a check mark and current. 
Thank you for your time and have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Purchased an item on XX/XX/2018, money was taking out of my account XX/XX/2018 from a company called XXXX XXXX XXXX out of New York and I never received the product I paid for. The amount of money that was taken out of my account was {$150.00}. Now the bank says I have zero fraud protection against this transaction. The bank Im currently dealing with his fifth third.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I was awarded a property though probate in XXXX county Fl. I contacted bayview loan servicing and sent them the documents by email and fax. Three weeks later I called to try and get the property refinanced and was told they could not speak to me regarding this property because I was not on the loan. I explained to them that I sent in the document sign by the judge. At that time they said they would review the documents. This went on for over a year. I sent the same documents over 5 times to them with the same response could not talk to me. In XXXX of XXXX I got a letter and call from bayview saying I was verified and they could speak to me now and I could make changes to the account. Between XXXX of XXXX and XXXX of XXXX the home has went to foreclosure and has assumed over 30,000 in fees and interest that I should not have had to pay. What Im asking is according to law I have read they were supposed to work with me and I was to be able to assume the mortgage in XXXX of XXXX after the probate was awarded to me. Since they did not I dont think I should be responsible for all the interest and fees and foreclosure costs that the property has now.

Company response to consumer: Closed with explanation