BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-30
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/21 XXXX XXXX XXXX pulled my report from XXXX XXXX then the same company XXXX XXXX XXXX XXXX ( same company ) pulled a hard inquiry under XXXX XXXX on XX/XX/21. This company pulled my credit twice less then 30 days under two different 3rd party companies - one under XXXX XXXX and the other under XXXX XXXX. This has resulted in two hard inquires on my XXXX, Equifax, and XXXX credit reports. One pull was authorized the second pull was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Hi CFPB!! Please forward the following documents to Midland Funding. I'm also including XXXX, since it is the only credit bureau that shows account. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was an authorized withdrawal of all my available funds from both my Chase checking and savings accounts.The perpetrator also used my debit card to purchase an XXXX train ticket to XXXX XXXX XXXX and also used it for a Cab ride in XXXX. I called the bank to question the transaction and was told I was responsible for it and it can not be reversed. I was charged multiple insufficient fund fees as a result of this fraudulant transaction. I believe the bank failed to exercise deligence with protecting my account. No notification was sent when the account was emptied. I had to find that out on my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14
Company: Resurgent Capital Services L.P.
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: AES/PHEAA
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was sent a delinquency notice for a student loan that I co-signed. The American Education Services raised the monthly amount without notification by phone or letter. When I called the company I was transferred 4 times to a different customer service representative. When I asked to speak with a supervisor I was told there was no supervisor available. During the 4 conversations I was told two different dates as to when the monthly amount was changed. One representative stated it was in XXXX of 2017 and another stated it was in XXXX of 2017. I asked the representatives why I was not notified by mail or by phone of the change and one representative answered and said they did not have to notify me because I was only the co-signer and that I would only receive a notification when the loan was delinquent. When I received the delinquency notices there was no mention of the monthly amount being changed. 

American Educational Services also has harassed me for information regarding the other borrower on the loan by calling me in the middle of the night around XXXX - XXXX in the XXXX. They have also contacted family members in the past and have spoken about loan information with other family members who were not on the loan. 
The practices and tactics they have need to be reviewed and investigated as it seems to me is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: TX
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 been disputing with Experian for the last 6 to month about many items on my report. Many of the items were removed by the other reporting companies. But every investigation comes back verified. Well this time on report for XX/XX/XXXX Experian explained they would no longer RE-INVESTIGATE the items and gave me the numbers and address. I called and spoke to a few and sent letters to the rest. Well, one of the items in question stated that they do not give information to 3rd parties or report to credit companies, and note that this item has been this report since XX/XX/XXXX. ( When disputed with the other reporting companies was removed in 30 days ). Next, the next two items was disputed atleast times and came back from Experian VERIFIED and will not re-investigate, yet again no reply from one collector after sending 2 letters for validation and verification. the 3 company sent something back saying they cant locate NO INFORMATION, as of XX/XX/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 non-monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: IL
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:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital one XXXX {$0.00} balance Status current Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I filed an Identity Theft Complaint to the FTC the middle of XX/XX/2018 regarding Bank of America not verifying in depth the person who opened a charge card in my name and Social Security Number.

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 2018-01-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account off and I have called numerous time for proof of paid in full and proof that on another account we set up payment plan. Last time I call the collector would not connect me with manager because he was trying collect on another account from XXXX. I paid the account in 2 payments they uses my debit bank card on XXXX and XXXX, and pull payment for other account on XXXX, The credit report agency reach out to them and they stated account was not paid as of this week. I had send prove to credit bureaus showing payment. I was told that the paid in full and payment plan was sent out numerous times still nothing. I been told they had wrong address 3 times when they sent other mail with the correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: EQUIFAX, INC.
State: NC
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/XXXX I sent out letters disputing accounts on my credit profile to all three credit bureaus Equifax, XXXX and XXXX. I have yet to be notified of my investigation status. I disputed misleading accounts on my credit report because they weren't my accounts. I feel as if I am being taken advantage of during this process from these three bureaus. This process has also given me lots of XXXX and I want to move on. I even sent a DEMAND TO COMPLY letter and still haven't heard anything. According the FCRA bureaus have 30 days to reply to any letters and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX made four ( 4 ) calls to my beloved wife XXXX and me between XXXX XXXX XXXX XXXX XXXX on XXXX XXXX,2020. Two ( 2 ) for XXXX and two ( 2 ) for me! This in an attempt by XXXX XXXX to collect an alleged balance due and owing. I have several times by email objected to XXXX XXXX. 

In addition, XXXX XXXX repeatedly told me that my balance was XXXX as I had cancelled the XXXX XXXX service as of XXXX XXXX,2020. Repeatedly XXXX XXXX emailed that my balance is XXXX. Then without my knowledge XXXX XXXX referred a claim to Afni Collection Agency that demands payment. XXXX XXXX although it had repeatedly told me my balance was XXXX nevertheless without giving me prior notice of an alleged bill due and owing sent the bill to this collection agency. Most dishonorable and deceptive!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 I contacted Capital one and asked for my annual fee of {$39.00} to be waived due to not being able to work the past 3 weeks because of COVID. To which I was basically told Capital one is offering no means of help to card holders in these rough times. The representatives were rude, unbothered and inconsiderate stating " Maybe they can push off the charges to another month. '' I don't know if I'll start back work next month I don't even know how I'm going to pay my utility bills. I wasn't even asking for my charges to be waived just their ridiculous annual fee that I don't have the money for. It's ridiculous I've been a customer for 5 years of on-time payments, never had to ask for something like this before and this is how I'm treated. After the card is cleared I'm canceling the account, cold hearted company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX in XXXX ca changed the locks on us at our apartment prior to the end of our lease. At the time we were mostly moved out because our lease was ending soon and we purchased a home. we contacted XXXX about the issue and notified them that we had mostly moved out and noticed they changed the locks. they denied changing the locks and a few days later forged a letter in our names stating that we had not moved out and let town for a family emergency but promised to pay through the end of the lease including any late and cleaning fees. We notified XXXX XXXX XXXX management company, XXXX regarding the matter and they refused to investigate as it appears to be a company practice of forging documents on behalf of tenants in their managed properties. nonetheless, XXXX sent us to collections and we disputed charges based upon fraud for them forging documents in our name. we agreed to accept liability for changes through XX/XX/XXXX, which is when they changed the locks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: CO
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 attempting to refinance my home. My mortgage company uses Equifax for a credit check. Equifax has no history of my credit. I contacted them, faxed them what they requested - copies of my State I.D . and Social Security Card. I still don't have access to my credit report and my refinance is hanging in the balance. Because the interest rates fluctuate every day on Real Estate loans, this is causing a hardship for me and may result in the loss of a good interest rate. XXXX  and XXXX have my credit history, Equifax has lost it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX has been reporting to my TransUnion report for the amount of XXXX  XXXX dont know this company I have never done business with this company this company does not have a contract with my written signature.

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 2018-06-25
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently noticed a collection account from XXXX XXXX which I have no such account as described in the reporting to the credit bureaus. I know this must be Identity-Theft or a serious error on their part. I am not the owner of such an account with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Sensible Auto Lending, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sensible Auto Lending at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, has been sending me collection notices in the amount of {$3500.00}, collection has been reported as past due balance. It is still being reported as 30/60/90 days late from 2016 with comments stating it was affected by natural disasters. It is a direct violation of my rights with FCRA and I will like this collection removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from Equifax, XXXX and XXXX it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/21, my husband and I deposited {$1000.00} cash into a XXXX IL Chase ATM. It said it couldn't read {$200.00} of it and returned the bills. He hit the " deposit more '' button in an attempt to reinsert the bills. At this point, the whole ATM froze for about 2 minutes. Then a message popped up, something along the lines of " please call this number to make sure your deposit went through ''. The number disappeared off the screen before I could even get my phone out. The machine did not issue me a receipt. Turns out the deposit did not go through so I filed a claim and they issued me a temporary credit of {$800.00} for the missing money. My relief was short lived, on XX/XX/21 I received a notice letting me know the claim has been denied because when the ATM was emptied and counted " there were no overages nor error messages put out that day ''. They simply can not find my money and they'll be revoking my {$800.00} credit on XX/XX/21. I spoke to 2 representatives and 2 supervisors who all told me they could not help me further. They spoke to me as if I'm lying about my deposit. One supervisor said " I don't know I guess the machines just glitch sometimes ''. My husband and I are on camera depositing the money into the machine but no one will check the cameras. When I inquired to that specific branch about checking the cameras, they referred me to the claims department and said they have nothing to do with the outside ATMs. When inquiring to the claims department, they stated they have no ability to check the cameras either and referred me right back to the Chase branch. Somewhere in the mix, someone from Chase suggested I make a police report and have the police pull the cameras. I went to the XXXX IL police station and they refused to make a report because " it's a civil matter ''. 

This is an incredibly frustrating situation. {$800.00} is a lot of money for us and now it's going to accrue overdraft fees as well, since we can't cover the credit they're revoking. We desperately needed the cash we were depositing to fill the hole in our account from emergency vet bills. As someone who has banked with Chase for the past 8 years, I should be treated like a valued customer but that is the opposite of what has happened here.

I do have notices from Chase including documentation of the claim, phone calls to the claims department and a screenshot of my mobile banking app showing the {$200.00} deposit that went through and the absence of my {$800.00}. They are attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have on several attempts to reach my student loan holder XXXX XXXX XXXX, and have been unsuccessful finding a phone number that works. My load servicing provider AES refuses to connect me with the loan holding bank and is unable to provide loan details and/or discuss resolution. 

I feel that I have a right to speak with my creditor and discuss my loan, review contract details, and work directly with the bank that owns my debt. I have paid {$21000.00} on a {$22000.00} loan with a balance of {$20000.00} this is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient offers no options for private loans for borrowers who can't afford the insane amount they ask each month. I'm happy to repay what I owe, even if the education I got with the loans has done nothing for me professionally. I have asked Navient in the past to do things like apply my payments to the balance first and the interest second, which they refused to do. I spoke to them over the phone to ask if I could lower my payments in any way and I was only offered forbearances and was told there was no possible way they could lower my payments. 

I've also asked them to validate my debt in the past, and they refused to do that too. My current monthly student loan bill is {$560.00}, which is almost half my monthly income. This is the second time so far this year Navient has raised my payment without reason. Last month my payment was {$550.00}, of which only {$90.00} went to the actual balance. At this time last year, my payment was {$520.00}. 

I currently have my federal loans in IBR and pay nothing on them because I only make about {$1300.00} a month. Because of Navient refusing to work with me and make my payments more affordable, I can not be an independent adult and live on my own. On top of all this, my total balance has gone up by several thousand dollars since entering repayment in spite of making regular payments of several hundred dollars a month for years.

Company response to consumer: Closed with explanation