BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
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 am a victim of Identity Theft and The Federal Trade Commission-Consumer Response Center-FCRA has been contacted and a complaint has been filed also I filed a police report and the FTC ID Theft Report on file. The accounts that are in question were originally with XXXX XXXX, the sold to XXXX, then sole to XXXX XXXX, and I have addressed the issue and they were deleted with All the Credit Bureaus. Now another company bought them under the name XXXX XXXX which is reporting ( 4 ) accounts on my credit file ... Now another company called XXXX. XXXX XXXX XXXX XXXX XXXX is trying to buy the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
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:
On several occasions, I have disputed the erroneous tradeline named " Exeter Finance '' that is being disputed on my Equifax Report. Even though after XXXX  and XXXX  have removed the erroneous tradeline years ago, Equifax has failed to do so. I have requested from Equifax a description of the method that they used to verify the account as mine. They have failed to provide that to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: ATG Credit, LLC
State: GA
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 attended XXXX a few years ago and being that I was not born in the country-but I am a US citizen now-I was asked if I submitted selective service? I did and I was mailed a confirmation letter. I physically walked into the school and handed paperwork to someone at front desk. The persons took the letter sent to counselor and then a few days later I was admitted to the college and they asked me to apply for financial aid. FAFSA. I was told I had to apply and accept loans for an entire year-although each semester was only about 4 weeks or so. I attended school for about a year 1/2 and About a year later while registering for class I received a notice asking me to contact a counselor regarding financial aid-I was then told I could n't apply for financial aid because of selective service-I was told I would have to start paying them directly for college and I could n't get Federal loans anymore and they were sorry-because of selective service.. I still did n't understand-I had attended for 1 ( XXXX XXXX year. I eventually pulled my credit report and saw an {$18000.00} debt from a company and when called they told me XXXX said I owed and that they paid my student loan debts off ( and they wanted me to pay them ( XXXX XXXX {$18000.00}. I have never received a single sheet of paper explaining this, NOTHING, but when I dispute-they send an electronic notice back to credit bureau saying debt is verified. YET I have nothing, know nothing-no one can explain anything-nothing in writing from XXXX-or the collection company ( ATG ). Credit is being ruined and no one can explain anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: IA
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 started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: TX
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:
Credit has inaccurate information. Violation is FCRA and FT violation

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 2020-05-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to The DEPARTMENT OF Education to change the incorrect information. I was never late 90 days in XXXX because I was and still am a current student. I had a in school deferment at the time. I have sent this information to the credit bureaus and to Navient/ Dept of Education . Nothing has been resolved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: SC
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPT ED XXXX {$300.00} DPT ED XXXX XXXX {$53.00} XXXX {$370.00} XXXX {$180.00} XXXX {$1100.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: TX
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:
According to the Fair Credit 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. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-31
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency mailed a collection notice to an address that I have not resided for more than 5 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2020. On XX/XX/2020, I received a letter from the CA in response to my request for debt validation. The company sent a partial copy of a bill that included my name, previous address, and dates during which I was NOT living at that address or in the state mentioned. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. They purchased this debt from the medical center where I supposedly received services, but did not provide adequate information ( actual billing info, discharge paper, diagnostic info, prescription, treatment plan, etc. ) to support the actual validity of the debt and identity of the person that received treatment. Not to mention, purchasing a person 's debt from another entity is illegal within itself. Much of my personal information was leaked in the recent XXXX, XXXX, and XXXX  breaches. Anyone could have stolen my personal information from the internet or data breach and used it fraudulently.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was contacted via phone and XXXX on XXXX about a give away on XX/XX/2019 I was reached out to about a give away where I had won {$100.00} and that they would send it via cash app. That is when I received the phone call about the give away. While I was on the phone with them is when I got the unauthorized pin change request. Within mins the user XXXX XXXX started sending money to themselves using my cash app. The following amounts were sent out 9 {$500.00}, {$500.00}, {$500.00}, {$500.00}, {$500.00}, {$500.00} all from XXXX XXXX stayed on my cash app. XXXX XXXX XXXX sent me a security text asking if I authorized these charges and I texted no. I only received partial reversals and still had {$3000.00} taken because my bank app showed they actually attempted to take more than the started amounts. I called XXXX XXXX XXXX immediately and filed a fraud claim. XXXX XXXX XXXX is refusing a chargeback because they can not prove I did not authorize these charges because my pin was used. My pin was fraudulently taken and in no way did I approve these charges. The number that texted me for the scam +XXXX ( XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: HI
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:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI 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 2020-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Around XX/XX/2020, after doing an XXXX XXXX XXXX pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed from XXXX and XXXX  however have not been removed from XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws.

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 2018-07-24
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice that our account had been sent to collection. We asked for validation of the debt from the collection company and did not receive any response other than further attempts to collect the debt. We received a bill from XXXX but they had already reported it on my credit report. We did not agree with the balance so we asked for validation. We want details including an itemized bill, explanations, etc. We just don't agree that we owe. We had medicare at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 vehicle was totally out and I had Gap insurance. My Gap Insurance paid the balance which was XXXX on XX/XX/2019. On XX/XX/2019 it left me a balance of {$240.00}. I reviewed my account and called XXXX and the representative stated I have a balance for {$510.00}. I asked the representative to explain to me why my balance increased. The representative couldn't tell me the reason why because he didn't understand why. I ask to speak to supervisor he stated no one was available to speak to me at this time. I review my credit report and XXXX report late payment for XXXX for {$62.00}. I never receive any statement from XXXX stated I owe {$62.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I applied to BOA for a credit card in XXXX, 2016, around XX/XX/XXXX. I asked them, before you run a credit check, please confirm that you can respond with approval/denial. They responded in the affirmative. After applying, they informed me that they had to send the request to their office for further review, which would have involved an additional credit inquiry. Since they already put a hard hit on my credit report, without a response, I asked to speak to a manager. When a manager finally called back 4 days later, she refused to remove the credit inquiry hit. The manager was condescending, arrogant, and completely unhelpful. If you want to deal with these people, know what you are in for. Dishonest, deceitful, arrogant, condescending. Not what I call good customer service.

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 2019-05-31
Company: EQUIFAX, INC.
State: HI
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:
Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: HI
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:
According to the Fair Credit 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 XXXX 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. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI 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 2019-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have been a loyal customer of chase for the last few years, and without a blemish on my account. Unbeknownst to me, due to lack of focus and judgement, I inadvertently scheduled automatic payment to an inactive account that caused me to missed two payments I wasn't aware of this matter until I checked my account and found out about the missing payments, which I immediately scheduled for payment at the end of this week. 


I am a XXXX making over 300k a year, and certainly can make this payment without a problem. It was a mistake and I ask that you exercise good will and erasing this delinquency from my credit record. My credit score is vital in securing a loan at a lower rate. 

I thank you in advance for your consideration. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, CONSUMER PORTFOLIO SVCS, INC # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I called our mortgage company ( Mr. Cooper ) to inquire about removing PMI from our home, which we purchased in XX/XX/2017 for XXXX, with a loan amount of XXXX. I was advised we would need to appraise for XXXX ( have 80 % equity ) to have it removed. 

On XX/XX/XXXX, I called to inquire again, and was told again about the 80 % requirement, and that XXXX would be needed. I asked to proceed. On XX/XX/XXXX an appraiser came out and appraised the home for XXXX. 

On XX/XX/XXXX, I received a letter that PMI could not be removed. I called and was told because they received the appraisal after XX/XX/XXXX that we have now owned our home for over two years and a 75 % requirement is now in place rather than 80 %. The rep said she would resubmit it for review because the appraisal was done prior to the two year mark so felt this was an error and would call me back. 

On XX/XX/XXXX, still no call back. I called there and was told that they would agree to the 80 %, but now the home needs to show substantial improvements in order to remove PMI. They will submit to management to see if they might be willing to refund the {$750.00} appraisal though, and will call is back by Friday. 

We are very upset and would like resolution to have the original requirement of 20 % equity for PMI removal upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: JPMORGAN CHASE & CO.
State: NJ
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:
recieved a late fee charge of 100 % on an overdue bill of {$23.00} on the first day overdue. the card was though amazon and the bank is Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
Company: ERC
State: LA
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:
1st collection reported to all 3 bureau until after 5 yrs I wanted to repair my credit. Submitted disputed and complaints and got deleted off 3 reports. Until not to long ago the account was handled to a different collection who age the date.

2nd collection keep reporting false info for a disputed account which was deleted also Was heading in the right direction on credit building, even used a credit building company to get my score to a approval area then old accounts start charging off with the remarks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation