BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
Company: Revenue Assurance Professionals LLC
State: TN
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 recently disputed three collection accounts with XXXX. After checking my previous credit report ( XX/XX/XXXX ) with my most current dispute ( XX/XX/XXXX ), it appears that the accounts have been re-aged, which is illegal.The collection reported date on my most recent credit report is XX/XX/XXXX for all accounts being disputed. The previous report dated XX/XX/XXXX, shows the collection reported date as XX/XX/XXXX. I have asked the original credit to provide me with documents confirming this account belongs to me. They have failed to do so. Each disputes comes back verified by XXXX. I do not believe XXXX is verifying these accounts. I have attached both credit reports with the account in which I am submitting a compliant for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX  Transunion and XXXX  are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " XXXX   XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: PR
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:
To whom this may concern I have contacted XXXX XXXX  XXXX XXXX Multiple times during the span of 3 months. They never advised of an increase of my mortgage loan from XXXX to XXXX $ never got a phone call, or letter. I found this information out when they reported the late payment to my credit bureaus account. I have these payments to be autopaid though the website & I do have extra payments on the account in which they kept telling me I don't have an extra payment. They admitted to fault opened an investigation and never did anything I called again and opened another investigation they said that they have been using those extra payments to cover for the amount needed to complete for the mortgage. I have never missed a payment & they are reporting my account late payment andnit has afected my ability to get a loan, new car & credit cards Today XX/XX/XXXX I spoke again to a different representative to try to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: JPMORGAN CHASE & CO.
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Accelerated Financial Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
ACCELERATED FINANCIAL placed negative information on my credit without notifying me first, in writing, That i had time to dispute this very old debt. 
no warnings. 
They illegally re-aged this account to 2020 and mustve added extra fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
I spoke with a representative from XXXX XXXX, XXXX and requested them not to contact me by phone. That was XX/XX/XXXX. The very next day, I received two separate calls within five minutes from XXXX XXXX, XXXX. I did not answer. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX. I again informed the rep that they are not to contact me by phone. I have already fought this company on their bogus claims in court and won based on their inability to prove that they own debt in my name. Also, it is past the statute of limitation. The rep I spoke with on XX/XX/XXXX mentioned various times that due to the age of the debt, they would not pursue the issue in court. They have also re-aged the debt with at least one credit bureau and indicate I have a " Major Delinquency First Reported '' amount dated XX/XX/XXXX. I have never conducted business with XXXX XXXX, XXXX, therefore I can not have a delinquency with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
XXXX XXXX  closed my account XX/XX/2017 and charged it off ... Ive reached out and they deleted the whole account off my XXXX but on XXXX and XXXX they report late every month since XX/XX/2017 on a charged off account ... that is very inaccurate.. and I would like it deleted from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 have been running into issues with Bank of America as it pertains to transactions being charged to my accounts multiple times. I do not believe this is an isolated issue. Also, when I submit disputes, often I do not hear back. The most recent issue pertains to a payment made to the US Treasury Department for a {$200.00} payment which was taken out of my account twice. I contacted BOA on XX/XX/XXXX. I still have not received a full resolution. Also, I do not feel this is the first time my account has been double charged. I have multiple disputes with the company at this stage.

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 2021-01-29
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, from my understanding under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Thrive National Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX and XX/XX/2016 I attempted to cancel my gym membership with XXXX XXXX I sent email communication and certified letter to the gym. Due to personal reasons I took a unpaid leave from work and moved to XXXX I provided the lease to XXXX XXXX and no further communication was received from them so therefore my thought was that it was canceled. I have never received statements via mail or collection letters. I travel for work so a process server showed at a previous address where my friends reside and I stay on occasion when Im in town versus going to the address that I previously resided that is listed on my driver license 1.5 hours away from work. I contacted the process sever because I was out of town at the time explained that I was in corporate housing but still worked for the same company. Needless to say this guy made a scene at my place of employment. I contacted the lawyer to let him know that sent signed lease I was told to fax the information and was given the wrong information. XXXX XXXX I clearly in violation of there agreement to arbitration and they have violated my rights to dispute the alleged account. They have scheduled to go to court for an account that they have never sent out any notice via mail to any address that I resided at in XXXX XXXX or XXXX XXXX. The contract says that if you move over 20 miles from you membership location you can cancel you contract. I did that. The attorney Office stated that you can cancel via email well I have a friend that canceled and she lived right around the corner from the gym and she canceled via email because she lost her job. XXXX XXXX never stated that they received my certified letter they asked for my new address and stated that they would verifiy whats to verifiy If I have a signed lease for an apartment over 300 miles away

Company response to consumer: Untimely response
Consumer complaint received 2020-08-29
Company: TD BANK US HOLDING COMPANY
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Bread Financial Holdings, Inc.
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:
I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: JPMORGAN CHASE & CO.
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 tried to open a back account for my sister ( she is XXXX, XXXX  and XXXX   XXXX ) and on XX/XX/XXXX and on XXXX XXXX received a letter from Chase bank that XXXX  saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX has removed public record from my account ( attached letter dated XX/XX/2020 ). I have disputed this item several times with both Experian and XXXX who report the results of my investigations from their 3rd party reporting agent XXXX as " verified ''. This is inaccurate and against my rights under the FCRA. Please have them remove this public record immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently was discharged from chapter XXXX bankruptcy we were in for almost six years. We filed bankruptcy because we were in over our heads and I was not working a steady job. I am now working a steady job and have just enough money to pay the bills and raise XXXX kids who are both in school .today I received a letter from navient saying they bought a loan and I owe XXXX and I have to start paying it this month I can not do that or I'm going to be in the same boat I was in before ... I was under the impression that thus was all being taken care of seeing as how our lawyer XXXX while during the bankruptcy and we couldn't afford another on to ask questions so this loan is from XX/XX/XXXX and it is now XX/XX/XXXX I quit the XXXX   because my mom XXXX and then my father I couldn't handle it I did not pursue the career or receive a degree I do not feel that this is fair I told navient I had XXXX dollars in the bank and they said would you like to make a payment today I'm going crazy I've clawed my way out and now their pulling me back in I can not pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was having financial hardship at the time ... I contacted XXXX already with the goodwill letter and they werent willing to change the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Other problem getting your report or credit score

Complaint:
I am being refused my credit report information due to my having a dispute in progress. I am also unable to access any disputes in question so do not know what they are referring to. Currently, TransUnion is my lowest score and I want to know what is affecting it because I have already applied for a mortgage. This is the 2nd time TransUnion has blocked me unless I buy into one of their credit monitoring services.

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 2020-05-27
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
U.S. Bank is claiming mortgage is in default, but all payments were made timely and accurately. U.S. Bank, without notice, increased the amount of escrow by {$52.00} for XX/XX/2020. After U.S. Bank processed my automatic payment for XXXX, I received a call from a U.S. Bank representative stating that I owed {$52.00} plus {$150.00} late fee. In addition, the representative, even though U.S. Bank had received and processed the XXXX payment, informed me that U.S. Bank had declared my mortgage in default. 

On XX/XX/2020, I sent a letter to U.S. Bank identifying its failures and requesting remediation. On XX/XX/2020, I received a letter dated XX/XX/XXXX, declaring my mortgage in default.

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 2020-05-27
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PHOENIX FINANCIAL COLLECTION AGENCY CONTINUE TO VIOLATE " HIPAA '' / MEDICAL PRIVACY ACT, " FDCPA/ FCBA '' WITH REPORTING OUTDATED MEDICAL ACCOUNT XX/XX/XXXX ( 3X ) ON ALL CREDIT FILE " NOT MINE '' / NEVER DONE BUSINESS WITH MEDICAL PROVIDER. ..NOTE : COMPANY CONTINUE HARASSMENT CALLS/ AND MAIL NOTICES OF ACCOUNT NOT COLLECTIBLE, ID FRAUD ACCOUNT AND FORMAL COMPLIANT FILED WITH BBB AND FTC FOR UNFAIR PRACTICES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: CA
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 had paid off the full balance of my XXXX  XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX  XXXX XXXX sold my mortgage to Carrington Mortgage Services with an effective transfer date of XX/XX/XXXX. 

Today is XX/XX/XXXX. I contacted Carrington to obtain my loan number so I could make a payment and get some information regarding my escrow and advise them on my upcoming due property tax payment. 

Carrington was unable to retrieve my loan number. In their words, they could not see my loan because it hasn't been transferred over and hadn't yet been onboarded. When I asked for additional information regarding the delay, I was told that they had XXXX accounts transfer over from XXXX  XXXX XXXX. When I asked the estimated date that my account would be visible so I can make a payment, their response was simply, " It's hard to say. '' According to the " good bye letter '' from XXXX  XXXX XXXX, I should have heard from Carrington no later that 15 days prior to the transfer date. I have yet to hear from Carrington. 

I tried calling XXXX XXXX XXXX, who would not provide me with any information because they no longer own my mortgage and state they can not access my information any longer. 

Carrington Mortgage Services now owns my loan. Regardless of any logistical mishaps in the transfer process, someone should be able to access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have tried on multiple occasions to get the incorrect information that is being reported on my consumer report off. I was a victim of ID theft, I sent police reports, as well as affidavits to the CRA 's however, they refused to block the fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
My closing date for the Capital One credit card is allegedly the XXXX of the month. However, according to XXXX the last time my account was updated was XX/XX/. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full onXX/XX/XXXX. My account should have been updated by now, XX/XX/. I spoke to a supervisor, XXXX, who stated she could not or would not correct the problem.

Company response to consumer: Closed with explanation