BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-11
Company: ECMC GROUP, INC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the last 3 and a half years ECMC has been taking payments out of my check every two weeks. Before I left my employer I was told that I owed around 2-3 thousand on it and that it would be done. However,  my credit report still shows that no payments have ever been paid at all. I have been dealing with them for around ten years now. Here I thought I was at the end of this and it shows that nothing has ever been paid. I feel like with payments over the years and payments from my checks that I have paid this loan back several times over. I am sure I can get my financial statements from my old employer showing all the payments that have been paid, but when I speak to them they are hateful and rude and make threats. I am a single mother of XXXX children. I am wanting to buy a house but can not do so because of this company. I don't understand how they can do this to people. I agree I proba ly still owe 1500 to 2000 and would not mind paying it if I knew for sure that it would help. I just want to be able to give my kids a home and provide for them and feel like I cant.

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 2018-02-10
Company: Experian Information Solutions 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 have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



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 2018-09-19
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX has reported to the credit bureaus that my mortgage has been flagged as modified under a non federal government plan. 

i am not aware of this, i have received nothing pertaining to this XXXX XXXX XXXX and it has negatively effected my credit score i want this removed

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 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On my Transunion report it shows that I have two mortgages. I have one Mortgage with XXXX XXXX ( XXXX ) who services the loan. XXXX was the originator of the loan. I've called XXXX and they said it should only show one mortgage. But it shows two mortgages with a total of {$560000.00} balance. I have one mortgage with a balance of {$230000.00}. I can't get my home refinance because of this mistake. Need it updated ASAP!! 

Also on my Transunion, I had a personal loan with XXXX XXXX that I paid off in XX/XX/2020. XXXX  and XXXX  are reporting the correct information as being closed XXXX balance. Transunion hasn't updated there report since XXXX and it's now XXXX. They are showing a {$3500.00} balance. Please update ASAP!! 

XXXX  is not reporting my mortgage and my FICO score is hurting because of non reporting of mortgage. XXXX XXXX said that they send there updates to all 3 bureaus. XXXX  needs to update my report ASAP!!

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 2021-10-07
Company: Park Hill Holdings
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: Personal information incorrect

Complaint:
I like to order a full Core Logic report, I believe there is some misinformation on my credit report.

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 2019-11-15
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I AM CURRENTLY ON THE PUBLIC SERVICE FORGIVENESS PROGRAM. MY LOANS WERE TRANSFERRED FROM XXXX TO FEDLOAN DUE TO THIS. FEDLOAN HAS HAD MY LOANS FOR OVER A YEAR NOW. THEY HAVE NOT CALCULATED MY PAYMENTS TO COUNT TOWARDS MY PSLF. I HAVE GOTTEN SEVERAL REASONS FOR THIS. LAST TIME I CALLED AND DISCUSSED THIS I WAS TOLD IT HAD BEEN REVIEWED MULTIPLE TIMES ( MORE THAN 6 ) AND NOTHING HAD BEEN DONE. I SENT A MESSGE TO CUSTOMER SERVICE IN THE SUMMER AND RECEIVED THE MESSAGE THAT BASICALLY SAID THEY WOULD CALCULATE MY PAYMENTS WHEN THEY FELT LIKE IT. I ALSO FEEL THAT MY PAYMENTS ARE NOT APPROPRIATELY APPLIED TO THE LOANS I HAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: MS
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2017-08-11
Company: EQUIFAX, INC.
State: MI
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:
Collection companies are changing dates of original date of debt. I contacted collection agencies and receive no response. I contacted Equifax and they tell me I have to prove it. Yet Equifax has had it on my credit for numerous years. For example : XXXX XXXX shows {$240.00} this year - the debt from XXXX was acquired in 2006. This shows up on all credit bureaus. XXXX XXXX shows I owe them, I went to court, the debt was dismissed IN COURT because I turned over my home to XXXX XXXX, Equifax will not remove from my credit, even after I mailed then proof of the court document. I have four credit cards - all in good standing - why does n't Equifax reflect that in my account or score? Also, their credit score is XXXX points less than the other credit reporting agencies with the same information, why?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts were fraudulently used without my permission. and it causes me a lot of stress. I am a victim of Identity Theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: ENCORE CAPITAL GROUP INC.
State: KS
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:
Midland credit management had this account since XXXX but they are reporting to my credit that the account just opened in XXXX which is false! They never served me we never went to court and they just closed it the account on another credit report. I want this account closed and removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: AMERICAN EXPRESS COMPANY
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'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to AMERICAN EXPRESS to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/21, I provided a check in the amount of {$2400.00}, to be deposited into the account on XX/XX/21, when a deposit would clear in the amount of {$3000.00}. However, Bank of America claimed that this check was received on XX/XX/21, and rather than simply declining the check if needed, it charged an unauthorized " returned item '' fee of {$35.00}. When I spoke with a bank representative ( ID # XXXX ), he refused to remove the fee, even though I've been a loyal customer of the bank for over 14 years. 

Big banks like Bank of America have made billions of dollars on the backs of hard-working customers like myself with outrageous fees like this. This fee should be immediately refunded into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Hello, I had a trip booked to XXXX XXXX and the merchant I made lodging arrangements was unresponsive to my cancellation requests when needing to cancel to flights being cancelled amid COVID-19 pandemic conditions. I started a dispute and was credited this amount immediately. My stay was booked for XXXX XXXX and I filed my dispute and attempted my cancellations prior to these dates. My dispute charge was recently re-billed to me and upon inquiry I was told a letter was sent to me for response after the merchant wrongfully claimed I attempted to cancel after my booking date. This letter for my response during the dispute never reached my and a representative from Capital One and Visa never attempted to inquire about my response either. Now both companies are claiming the window has closed even though the merchant falsified information in my dispute case ( something my credit company itself admitted now ). I am now responsible for this charge for a service I was completely unable to use due to both travel restrictions and the hotel itself being closed. I have also been informed on a recorded line by the card company that they may have not sent me a letter requiring a response so I have had no chance to ever defend my position in this matter. My last interaction resulted in the representative telling me the Hotel is likely trying to take advantage of both me and them by falsifying information and somehow this is still now enough to refund me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
When the pandemic started back in XX/XX/2020, I was in XXXX, XXXX XXXX, I could not enter the USA due to the pandemic. I had two credit cards with Bank of America, which I was supposed to make MONTLY payment, Since I could not make the payments from XXXX, I called the bank directly to posponed the payments until I could enter the country and make payments myself, I was told not worry that as soon as I enter the country I could make the payment. As soon as was able to enter the country, I started making the monthly payments, which I have continue making the payments on time ever since I was able to enter the USA. However Bank of America without notice, closed my two CREDIT CARDS, even thought they said no to worry that as soon as I enter the country just make sure to start making payments. 
I have visited the bank, I have called many times asking to please reopen my credit cards that they closed for no reason, as they said not to worry that the were going to defer the payment and wait until I was able to enter the country again. 

On XX/XX/2020, I stopped by the branch is XXXX XXXX california spoke to XXXX XXXX, this is her phone number ( XXXX XXXX XXXX to get information as why the credit cards were closed, she said that there is nothing written and they do not know as why the credit cards were closed, still a mystery to all the bankers I have spoken to why my credit cards were closed without notice. I just want to add that the same day I made a payment of {$400.00}. I am a honest person and do not want bank of America to destroy my reputation during this difficult times we all are going through.

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 2020-09-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During the fall of 2019, I began receiving phone calls from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) attempting to collect a credit card debt previously held by Synchrony Bank. Initially believing this to be a legitimate debt owed, I spoke to a representative over the phone agreed to pay a settlement amount of {$1200.00} by XX/XX/2019. However, after checking my financial records, I realized that I had already settled this debt with the original creditor, Synchrony Bank, and the debt was paid in full. I received tax documents from Synchrony Bank and the discharged debt was listed as taxable income for the 2019 tax year. Despite this and despite the fact that I submitted records to confirm my payment to the original creditor ( settled with 3 monthly payments of {$540.00} paid XX/XX/XXXX-XX/XX/2019 ) as well as my 2019 tax documents, XXXX XXXX XXXX continues to report inaccurate information to credit reporting agencies, severely and adversely affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.

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 2020-05-29
Company: PNC Bank N.A.
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had been out of work since XX/XX/2020 because of the Covid-19 crisis. 
Since XX/XX/2020 I have spoken with the PNC Mortgage Company that I have my mortgage through about a possible deferment until I could get low earnings/unemployment. I spoke to XXXX and she said the company would waive XXXX, XXXX and XX/XX/2020 payments. I then received a letter stating there was an agreement to the effect that my payments would begin again in XX/XX/2020. However, I was informed that ( from other associates ) that I would have to pay up to {$2400.00} in XXXX. 
At the time I was uncertain if I would be back to work or that my low earnings/unemployment would be coming in to cover this payment. 
I have since paid, upon agreement that if I could I would cover my regular payment. 
I did make XXXX 's payment on XX/XX/XXXX over the phone. I then mailed out XXXX 's payment on XX/XX/XXXX. 
I have received several statements since that do not reflect these payments. I get statements I the mail every other day. I have called and no one seems to know what I am talking about. 
I have copies of my mortgage statements and bank statements and the agreement from PNC Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Source Receivables Management LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  has reported another person phones and equipment to my account and billed me over XXXX. I have disputed this with them and chose not to bill the correct person and sell the account to debt collectors. This is the second debt collector to report this to this to my credit when this is not my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation