BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.

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 2018-04-04
Company: Deutsche Bank
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have tried on several occasions to reach Deutsche Bank regarding who to contact in reference to a US Dept of Justice mandate directing Deutsche Bank to make available to requesting loan holders the contact information for relief related to a lawsuit by the Dept. of Justice against Deutsche Bank. I called Deutsche Bank directly, and their law department told me to contact their media department. I registered a complaint with CFPB stating that such contact information has not been made available as ordered by the Court. Deutsche Bank refused to give CFPB the contact information for the assigned team, instead I was told by CFPB that Deutsche Bank would have the team assigned to comply with the court order reach out to me. No one from Deutsche Bank 's team has contacted me. This is time sensitive. And Deutsche Bank is non-compliant in the directive by the US Dept. of Justice in providing a contact person for me to communicate with, and to file my claim. This complaint is because Deutsche Bank did not follow through on their commitment to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: JPMORGAN CHASE & CO.
State: AZ
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 car was hit by an uninsured drunk driver while parked outside my house while I was asleep in the middle of the night. My insurance company declared my vehicle a total loss, as I was insured with gap with the same company. My insurance later informed me the pay off check to pay off the total remaining balance of the car was sent to my lien holder, and that I should no longer make payments because the lien holder would receive it in the next day or two. 3 months later, thinking my car was paid off and no longer having a vehicle, I was notified my lien holder never received a check and my account was now derogatory on my credit. I called my insurance and they took responsibility for sending the check to the wrong location, but neither the gap insurance, full coverage insurance for the uninsured, or the lien holder will work with me on the amount owed for the 3 months the check was missing as they are considered missed payments. I was never called by anyone looking for a payment. I have a letter from my insurance company with the pay off amount and original check date that was never received, and a letter for the second check they sent 3 months later. My lien holder was Chase, I had gap insurance with them as well and my insurance company was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: MI
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 CHECKED MY CREDIT REPORT AND NOTICED INQUIRIES THAT DONT BELONG TO ME. I MAILED DOCUMENTS TO THE BURAEU 'S SEVERAL TIMES. THEY KEEP SAY IS FACTUAL. I TOLD THEM IT'S FRAUD AND THEY WANT REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MY HIPAA RIGHTS HAVE BEEN VIOLATED-INTENT TO SUE On XX/XX/2021, I mailed a debt validation letter to Nationwide Recovery via certified mail. The tracking number is XXXX. Per the FCRA, they had 30 days to completely validate this debt. It has been six weeks, and they have yet to do so. Furthermore, this collection was added to my XXXX credit report on XX/XX/2021 AFTER the I sent the validation request letter and BEFORE I received full and complete debt validation, which is a direct violation of the FCRA. As I previously advised them, I was not only requesting copies of medical billing statements, etc., that provide details of services rendered, per it is a direct HIPAA violation for them to have this information without a signed medical release/transcript from me authorizing National Recovery Services to view my medical records. Since they do not have a signed release on file with me as I specifically requested, they have violated my rights under HIPAA by reporting this debt to the credit bureaus. 

Again, I am requesting this collection to be removed from my XXXX, XXXX, and XXXX credit reports. If this is not removed within the next 10 business days, I will file a lawsuit seeking damages at a minimum of {$10000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit report in XXXX of XXXX, I discovered Experian recorded a charge-off on a joint account I had with XXXX   XXXX  ( now XXXX  XXXX  ), account number XXXX, in XXXX of XXXX. I did not dispute the charge-off ; however, the account was paid in full on XX/XX/XXXX. I provided Experian with a signed letter from XXXX XXXX indicating that was factual. I requested this information be added. Experian changed the finding to indicate the account as : " Paid -was a charge-off. '' Once this was corrected, Experian indicated the " charge-off '' occurred on the month I initiated the dispute, which was XXXX and XXXX of XXXX. Since the negative activity is maintained for 7 years, I contacted Experian again and requested the negative reporting be moved to the original date, or no later than XXXX of XXXX since the loan was fully paid that month. Experian responded by leaving the negative reporting in XXXX and XXXX of XXXX, and added two more months of a " charge-off '' in XXXX and XXXX of XXXX. The third request I made to Experian resulted in a " charge-off '' showing up in XXXX and XXXX of XXXX. This pattern continued each request I made to place the negative activity back to XXXX of XXXX. I am at a loss and have no doubt that further request to Experian will result in additional charge-offs showing on my credit. 

The negative information, which should be minimalized due to the time frame, continues to have a negative impact on my credit due to Experian 's failure to correctly report the facts. I accepted the responsibility for the loan by co-signing for my child and never disputed the charge-off. However, the account was paid in full in XXXX. I did not have that account with XXXX/XXXX  in XXXX, XXXX, XXXX, or XXXX and should not be continually penalized for requesting the CORRECT information be reported.

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 2020-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made a deposit on XXXX XXXX before the cutoff hour to make sure I wasn't overdrawn on that day, based on my online account balances that also showed pending transactions, on closing business day of XX/XX/2021 according to my calculations I wasn't overdrawn yet on XX/XX/2021 they charged me a {$36.00} dollars overdraft fee for a check cleared on XX/XX/2021, but I wasn't overdrawn, so I called the customer service line and they told me they showed me overdrawn. I went over to my local branch and got a print out of my account and they proceeded to tell me I was overdrawn on XX/XX/2021 because of two pending transactions, but I told her that on closing date XX/XX/2021 I was not overdrawn and that one of those transactions that they were telling me wasn't charged until the morning of XX/XX/2021. It should be law that I should be able to see what they see and that my account balances should be the same as I see them, if items are coming thru they should show on my account as pending. I am still not believe I owed that fee.

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 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 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 explanation
Consumer complaint received 2017-08-06
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My loan is with Fedloan. My first issue with them was when my monthly payment increased after 11 months, instead of 12 months. I called several times and spoke with customer service representatives. Finally, an alert representative realized the problem and I was given an administrative forbearance.
My current issue is that my new monthly IDR recalculation was approved to start XXXX/XXXX/17 for {$270.00} and I retired XXXX/XXXX/17. I called Fedloan to ask the procedure to obtain a new payment amount, since my monthly income significantly decreased from {$4100.00} to {$2800.00}.
I was instructed to complete another IDR and check the box for it to be completed immediately. On XXXX XXXX, 2017, I uploaded the completed form and income verification on the web site. The next day I called to make sure the documentation that was uploaded was sufficient. The representative checked the information and assured me that it was sufficient.
I called several times from XXXX XXXX, 2017 to XXXX XXXX, 2017, regarding the status of the request. I was told by representatives that the response time could be from 2 weeks to 1 month.
On XXXX XXXX 2017, I received a letter stating the request was denied for the following reason : unable to determine your current income because document you provided doesnt clearly indicate the frequency of your pay. I immediately called Fedloan to have the representative retrieve the documentation and let me know exactly what needed to be in the verification letter.
The representative pulled up information and stated that the letter clearly states in the first sentence that I am paid monthly. He notated the account and sent the documentation back to be reviewed again. ( I did not submit any additional documentation and received a letter on XXXX/XXXX/17, notifying me of the new payment of XXXX. ) The new payment was due to start XXXX/XXXX/17, instead of XXXX/XXXX/17. Since they did not complete the 2nd review until XXXX/XXXX/17, I was penalized for their mistake. They used the same documentation that was originally submitted to recalculate my new payment. I requested that an appeal be submitted, because I was being penalized for their error.
Also, I requested an administrative waiver for XXXX and XXXX, since the payments were more than I could afford. I was told that it was nothing they could do regarding the missed payments, because of the closeness of the recalculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.

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 2019-02-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have contact XXXX about this problem and also XXXX about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.

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 2020-05-22
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: Their investigation did not fix an error on your report

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had an issue with my Comenity Capital Bank credit card for Forever 21. I never received an order and was issued a refund. Regardless of this, the company continues to charge me interest and late fees on a purchase that I never received. I filed a complaint with the XXXX a while back and received a letter from Comenity Capital Bank stating that my account was XXXX  out and closed as per my request. As of XX/XX/2020 the letter states that my account balance is XXXX. I was also receiving harassing phone calls from restricted numbers at all hours of the night which is illegal. I usually wouldn't close a card because it would hurt my credit, but I had no choice as per these phone calls I just wanted them to stop. I have attached a photo of the document below ; as well as a photo of my credit history report which states that I had 100 % payment history until this point. Also I filed another report with the XXXX  yesterday and today ironically I received emails from XXXX XXXX stating that my account was updated to past due. My credit score of over XXXX has gone down to XXXX and I was turned down for a new credit card. I am considering legal action against the company if this can not be reversed. I absolutely will not and refuse to pay any fees associated with an order that I did not receive. Please see below documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These are not my accounts. This is a 2nd request. Some of the creditors did come off on on of the bureaus, but didn't come off of the other ones. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter out of the blue from XXXX XXXX XXXX XXXX XXXX IL telling me I owe XXXX. WOW! I don't even have a XXXX XXXX XXXX credit card or account. I absolutely do not owe this XXXX I called to try and get to the bottom of this. They started putting me down and tried to make feel like I was some criminal for not paying my bills. Did some research, they have been reported A Lot for their scam. 

Why is this company still in business? How are they able to have a business license? 

What is this world coming to? Do States and cities need tax $ that much to allow such business 's to exist?

I received this letter on XX/XX/XXXX and respondedXX/XX/XXXX andXX/XX/XXXX. This place should be investigated and closed down! 

I DO NOT WANT THIS COMPANY TO HAVE ANY PERSONAL INFORMATION I GAVE YOU! SUCH AS EMAIL ETC I DO NOT WANT ANY FURTHER MAIL OR CALLS FROM THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Innovate Managed Holdings, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back during hurricane Irma in XX/XX/XXXX, My job was closed for 2 months due to damage, XXXX XXXX offered me 3 month deferment on my car loan, once we got to the end of the loan, which was suppose to end XX/XX/XXXX but extended to XX/XX/XXXX due to the deferments. They reported late payments, although I was still making monthly payments on my due date. I called in XX/XX/XXXX to see why my balance no longer had a due date, they told me not to worry about it and to continue to make my monthly installments of XXXX until my loan is paid off. Once I paid off my loan my credit score decrease a total of 34 points due to 120 days late XXXX XXXX/ Innovate Auto Finance reported on my credit report. The loan is now paid off but am personally suffering, I am trying to purchase my first home which I have been denied due to the recent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the credit Reporting act XXXX  Account XXXX XXXX XXXX # 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
On XXXX XXXX, XXXX, MIDLAND FUNDING LCC add a derogatory marks on my credit reports per XXXX, XXXX and XXXX. 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. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LCC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There seems to be a major problem with TD Banks back-end accounting system verses actual online transaction history that is not reflecting in " REAL TIME! '' Several transactions that I have made within just over 1 week has created unjustified overdraft fees to my TD Business Simple Checking account. The dates in questions are as follows : 1. ) XX/XX/2020 Maintenance Fee of {$10.00} bringing my account first negative at - {$6.00}. 

2. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to {$21.00}. 

3. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$59.00}. 

4. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$130.00}. 

5. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to - {$260.00}. 

These Overdraft Fees were applied incorrectly/unjustly and I would like this to be correctly applied to my account and refunded all " relative '' unjustified/errored Overdraft Fees to be credited back to my account. I am going to pay off this balance today to bring my account back into the positive status but would like to be credited back the unjustified Overdraft Fees! 

Thank you.

Company response to consumer: Closed with monetary relief