BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: EQUIFAX, 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 status incorrect

Complaint:
On XX/XX/2019, XXXX XXXX XXXX locked my joint checking account that is held by me, XXXX XXXX XXXX, and my mother XXXX XXXX XXXX, which resulted in my electronic mortgage payment for XXXX to be rejected. XXXX  XXXX XXXX states that they attempted to reach out to my mother for updated information multiple times, however, they did not do so in her preferred language nor did any of the bank tellers notify her that her information needed to be updated when she did visit the bank during 2019. 

My account was locked without my knowledge and the XX/XX/2019, my mortgage on my mobile banking app showed " pending '' to XXXX XXXX XXXX. I was NOT informed of my electronic payments not going through nor that my e-bills with XXXX  XXXX XXXX were reset so I did not get my e-bills for XXXX. Companies involved included XXXX XXXX XXXX and XXXX XXXX. My checking account was in good standing and I now have multiple delinquent late payments on my credit report. 

Additionally, XXXX XXXX XXXX has failed to inform my mother in a manner in which she can understand. Her primary language is XXXX. I was notified that no one in the bank could advocate for her or change her preferred language to XXXX without her having to navigate an English website through her online banking. My attempts to resolve the issue with the company resulted in me being told " Is that all? '' Please note, my last name also recently changed due to marriage. Last name is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

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

Company 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 2017-11-17
Company: Nelnet, 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: Account status incorrect

Complaint:
the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a guarantor of a lease for my daughter from XX/XX/XXXX until XX/XX/XXXX. My daughter signed a new lease for XX/XX/XXXX until XX/XX/XXXX. I did not sign the 2nd lease as my daughter then had rental history and is an adult.

For several months on the 2nd lease the apartment manager/maintenance entered her apartment without proper notice ( along with other unsafe practices ) where my daughter felt very unsafe and like she had no other option but to move. She moved at the end of XX/XX/XXXX after giving a 30 day notice and trying to work it out with management. 

The apartments have now sent her to National Credit Systems Inc. to collect the remaining balance of her lease ( {$1100.00} ). She is objecting to owing the amount due to the illegal entering of her apartment. 

I now have also received a collection notice from National Credit Systems. I've contacted the apartments via email ( XX/XX/XXXX ) and talked with XXXX XXXX of NCS ( XX/XX/XXXX ) relaying that I am not a guarantor for the lease period. XXXX mentioned today that since I signed the original lease I'm on the hook for all future leases and that he has reported me to the credit bureau agencies. Also, when returning my call the call ID showed a local phone number in Oregon and NCS is located in Georgia. 

I feel like National Credit Systems is violating not only my rights by trying to collect a debt not owed by me but my daughters by contacting me about her debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : Capital One Bank # XXXX XXXX XXXX # XXXX Kohls/Capital One # XXXX XXXX XXXX/XXXX  # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED!

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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:
I look online at my checking account ending in # XXXX and there is negative balance of {$380.00} and fees. 
A check was written for XXXX XXXX XXXX for {$300.00} as l look on Bank of America print out check on display online. 
There was some errors on written check and it appears that XXXX XXXX XXXX put errors on the check dated XX/XX/2020 and a hold was not written by me. 
There is over excessive fees of {$35.00} by bank of America. 
The check should be voided by Bank of America and XXXX XXXX XXXX and l make a payment arrangements with XXXX XXXX XXXX to payoff the {$300.00} in two months. 
I am respectfully 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 monetary relief
Consumer complaint received 2020-02-10
Company: Diversified Adjustment Service, Inc.
State: PA
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:
My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : XXXX XXXX XXXX  # XXXX Diversified Adjustment # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX/XXXX # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED!

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Great Lakes keeps adding balances and subtracting balances from my account. this is adversely affecting my credit score! Iam in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set current. As soon as i contacted Great Lakes my loan was put back in forbearance. Also, I want all loans older than 7yrs off my credit report, as that is more than the SOl for my state. I need this done ASAP, as Great Lakes is doing illegal collecting and reporting 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 2020-02-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened an account with HSBC in XX/XX/2008 and have been a customer since then.

Apparently when my account goes into overdraft money is automatically pulled from a line of credit from HSBC. When I go into overdraft I always have cash added to my account within days to cover more than the overdraft. When money is added to the account, they do not automatically pay off the credit line until after they reported the delinquency to the bureau. In the meantime, there is no indication when logging in on the account online that an account is past due or anything.

However as I was not even aware that they opened that line of credit and that it would work that way. I was assuming that they would either decline overdraft transaction or allow the overdraft and any subsequent transfer of cash would cover any negative amount.

Recently, I went overdraft and they funded it with that line of credit, without me being aware of it. As the line of credit balance aged, I was not mailed anything regarding the delinquency. I also was not warned they would report the delinquency to the bureau, all of this while my account actually had more than enough money to cover the amount due. They ended up reporting me to the bureau and I found out about the delinquency in my credit report! I was not even made aware of it by HSBC. When I log in online, I see no notification of any pending delinquency. The worst part is they manually transferred money from my checking account to cover the delinquency AFTER they reported me to the bureau. So they apparently could have paid off the amount due without causing me any lasting damage.

This is a clear UDAAP issue as I am being deceived in the way that my checking account works, I am not notified properly as this line of credit ages and they actually the ability to pay off the amount due before the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CONTRACT CALLERS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX.I do not recognize this company and didn't authorize any transaction on this day or around this time. Contract Caller 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 2021-08-19
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I maintain a healthy balance across several Chase checking & savings accounts that exceed their 5-10k minimums. Currently XXXX in there right now. Typically transact about XXXX in money channeled in and out of there accounts annually. Another 40-60k spend on Chase credit cards annually. One of my accounts dropped below the XXXX XXXXhreshold, and Chase racked up fees without notifying me until I caught it a couple months later. I requested a waiver for the fees since I do a lot of business on my Chase accounts and hold a good pile of cash in them. They refused to waive more than the last month 's fee even though I maintain a lot of money across my Chase accounts and do a lot of business with them. To say I am disappointed in this outcome is to put it lightly. I guess I'll close my accounts and bank elsewhere if this isn't resolved to my satisfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: Experian Information Solutions 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 information incorrect

Complaint:
In referfence to : XXXX previous complaint. 
If this is the incorrect way to do this, I apologize in advance. 
I have a complaint open with XXXX but the Experian portion of the complaint has closed. 
I need to say that there is absolutely NO WAY Experian verified student loan payment information with anyone. 
I just received a letter from the collection agency XXXX XXXX XXXX XXXX for Debt Collections System. 
For Payment/Financial History : It says Net Adjusted Transactions : {$0.00} Net Other Transactions : {$18000.00} Net Total Transactions : {$18000.00} I called and spoke with XXXX ( Direct Line XXXX ) from XXXX XXXX XXXX and she told me that she doesn't see that any payments were made on my student loans. 
That is what the Net Adjusted Transactions {$0.00} means. 
I previously sent Experian screenshots of all my student loans that I got from NSLDS.gov 's website and EACH loan says : Cumulative payment amount : {$0.00} Meaning, no payments were made. 
NSLDS is part of the Department of Education, who is my original creditor for student loans, and they say no payments were made and so does the collection agency. 
Even though I uploaded documentation to Experian to prove that no payments were made they are still insisting that a last payment was made XX/XX/XXXX because XXXX said so. Now Experian stated that XXXX isn't listed on their credit report, which is true. But that XX/XX/XXXX date is the date Experian is using to keep these student loans on my credit report, so it does matter. 
XXXX has no documents. I already asked them. They told me to ask the collection agency. I'm sure if Experian had contacted XXXX, that they would have sent them to the collection agency as well. If Experian had contacted the Department of Education, they would have confirmed no payments were made and same if they contacted the collection agency. It is clear to me that they did not speak to anyone. 
My loans went " In Repayment '' status in XXXX XXXX. Since no payments were made that would make the Date of First Delinquency XXXX XXXX, making these too old to be on my credit report as I keep saying. 
The collection agency representative tried telling me that since it is a federal loan it can stay on my credit report indefinitely. 
This is NOT a Perkins loan and negative information will fall off my credit report after 7 years. That is why all credit bureaus have a Date of First Delinquency and a fall-off date listed. 
The collection agent had no reply to that. 
I don't see how hard evidence is not enough for Experian or the other credit bureaus to delete these loans from my credit reports. 
I have sent enough proof that they are too old, yet it comes back as verified as correct?

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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted several disputes to TransUnion regarding an incorrect reporting by the Connecticut Department of Social Services who continues to incorrectly report my monthly payment history on a child support account that was opened fraudulently by the consumer reporting agency. The credit report shows that I have past due monthly payments in XXXX which is completely not accurate and erroneous. I have disputed this error numerous times with Transunion and the company is fraudulently reporting the errors as correct. Connecticut Department of Social Services has been garnishing weekly payments from my account to pay the weekly payments on-time since XXXX and therefore the payment history and credit rating disputed involving this reporting has been incorrect for the past 16 months that has caused other financial institutions to approve loans and credit cards because of the payment history that is being reported fraudulently and the errors not 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 2020-06-05
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian, XXXX and XXXX are ALL reporting false owed items. 

Dispute # 1 Company : XXXX XXXX account # XXXX opened XX/XX/XXXX. I have no recollection of this account being mine, also it should be dropped off of credit report being it's over 7 years old. 

Dispute # 2 Company : XXXX account # XXXX opened XX/XX/XXXX I was on time on this account not delinquent. 

Dispute # 3 Company : XXXX XXXX account # XXXX opened XX/XX/XXXX Account reported open and closed the same day. Over 7 years old please delete. 

Dispute # 4 Company : XXXX XXXX XXXX account # XXXX Never been late on this account. 

Dispute 5 XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX opened XX/XX/XXXX I was never late. 

Dispute # 6 account # XXXX, Company : US Department of Education opened XX/XX/XXXX No recollection of this account. 

Dispute # 7 account # XXXX, Company : Department of Education The amount reported is incorrect to what I truly owe, Dispute # 8 account # XXXX Company XXXX No open date to give payment status is incorrect. 

I want all past 7 year items removed ASAP also I have sent them ALL Certified letters..

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 2020-02-10
Company: American Coradius International LLC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The student loan is predatory ... Paperwork indicates a $ XXXX loan with a balance due of $ XXXX ... loan was quickly sent to collections with missed payment and the harassment and threat of lawsuit has ensued ever since ... they threatened family members into making payments for years WHO had no association with the loan ... I was not aware collection was taken from other people ... paperwork is attached with record of this and the harassment continues. My co-signer has passed away and other people are being contacted as well as calls through the day when I have provided a best time to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

Identity Theft XXXX Account Number : XXXX This is not mine XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

. DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

. XXXX XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation