BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
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:
Upon checking my credit report, I discovered someone used my information to obtain medical care and get credit cards. Ive sent 605b letters to both Equifax & XXXX  with no response. Ive requested all fraudulent accounts be blocked from my credit file and the ftc report and request went ignored. Which is all a violation of the FCRA. The following accounts are fraudulent. 
1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$920.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
2. XXXX XXXX ( XXXX XXXX ) {$560.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
3. XXXX XXXX ( XXXX XXXX XXXX ) {$2400.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
4. XXXX ( XXXX  XXXX ) {$67.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
5. XXXX ( XXXX XXXX ) {$420.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 

There is also a number of fraudulent inquiries on my report, I tried calling and send proof. With no help. 
Please see attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Consumer Portfolio Services, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been paying on my loan with Consumer Portfolio Service for 4 years ( since XXXX  ). 
I have paid over XXXX dollars on a {$17000.00} loan and my balance is still {$13000.00}. 
My payments that I am able to make are not going to principle, even though they claimed they were. 
My payments are {$440.00} ( not including the fee to pay online ) Now with the issues that are going on in the country and hours being cut back, they are threatening to repossess the vehicle and charging of the account. 
The company will not make feasible arrangements to fix account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint in regards to an account reporting on my XXXX and transunion credit report. I have been disputing this account for months now. XXXX has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and transunion please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with XXXX the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.

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 2022-08-11
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledgeXXXX XXXX XXXXXXXX

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 2017-08-19
Company: LEXISNEXIS
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:
My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: M&T BANK CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
While checking my credit card balance online, I noticed a {$14000.00} charge that I did not authorize or initiate on Saturday XXXX XXXX, XXXX. The charge was " pending '' and had been initiated on Friday XXXX XXXX, XXXX. Upon my discovery of the charge I immediately contacted the card issuer, M & T bank via e mail and followed up with a phone call. To date have been advised of their " investigation '' and that they are awaiting " release '' of funds. This fraudulent charge as well as a balance transfer fee have remained on the account. In my initial phone conversation with someone at M & T, someone had apparently contacted them ( M & T ) with sufficient personal information for them to do a balance transfer on Friday XXXX XXXX, XXXX. 

M & T 's disclosure states that my liability is limited to {$50.00} if I were to be careless with the disclosure of my account number or card, which I have not been!! 

To date I have not received any relief and have had several e mails stating that they are awaiting release of the funds in order to be credited back to my account. And thanking me for my " continued patience. '' A new card/account number has been issued.

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 2022-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Unbeknownst to me, Portfolio Recovery Associates , LLC. filed a lawsuit against me without informing me. I received numerous attorney advertisements via USPS stating that Portfolio Recovery Associates has filed a lawsuit against me to collect a credit card debt. I went online to the XXXX XXXX Clerk of Courts website and saw that they violated HIPAA by sharing my doctors information and tests that were conducted on the credit card statement Portfolio Recovery Associates posted publicly for the whole world to see. This information should have been redacted. This has caused severe stress and anxiety. I am XXXX with a severe and debilitating illness. They violated my privacy and caused my health to decline even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2019 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX BANK ACCOUNT XXXX Dear Midland Credit Management I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. 

Also I sent out Certified mail receipt On XX/XX/2019 not sure if the post office is on strike there or Guys have a bad address listed per the Tracking # XXXX XXXX XXXX XXXX XXXX is why I reached out via this site because I dont have time to get another letter to you in time. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: DataMax Corporation
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 've sent over documentation to company showing proof that this debt is n't mine and still nothing has been done on my behalf. This item is causing great stress to my life and I 've reached out to an attorney XXXX XXXX to help me out with this matter, I was advised to try to work this item out with the collection agency one more time, if they refuse to remove this inaccurate item then we will pursue with filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On XX/XX/XXXX I sent a letter to TransUnion notifying them of the inaccurate reporting of an item ( XXXX XXXX ). A previous report of mine from XX/XX/XXXX stated that the item would be removed by XX/XX/XXXX. 

My current report shows a new date of when the item would be removed by XX/XX/XXXX instead of the XX/XX/XXXX. My dispute to TransUnion included a print screen copy of my report dated XX/XX/XXXX that showed that the item would be removed by XX/XX/XXXX. I also notified them that they had Re-aged the item and changed the removal date to XX/XX/XXXX and that they were in violation of the FCRA by reaging the item. 

This item should no longer be reporting on my credit file. 

I 'm requesting the support of the Consumer Financial Protection Bureau as my dispute to TransUnion was simply disregarded and they did nothing. It is my understanding that after 7 years this item should no longer report on my credit. 

Attached is the dispute I sent to TransUnion on XX/XX/XXXX with the print-screen of the report showing that the item should be removed by the XX/XX/XXXX date.

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 2021-09-10
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2021 I send an affidavit to JPMCB Card about a hard inquiry that was put onto my consumer report. After doing some research I see that this is JP Morgan Chase Bank. According to 15 USC 1681n ( B ) this is a violation to my rights. 
I sent an affidavit through certified mail with tracking number : XXXX. I have attached the notarized affidavit that was sent with the invoice and exhibit A. Please see attached for further information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Company: Everest Receivable Services Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A person called me claiming to be from Everest Receivable Services. He told me he needed the last four digits of my Social Security number before he could tell me why he was calling. I asked him explicitly three times if he was a debt collector, and he refused to answer unless I gave him my SSNs last four digits. When I told him I would not give personal information without full transparency from him, he said goodbye and hung up.

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 2019-04-15
Company: National Credit Systems,Inc.
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:
{$330.00} collection which I have been attempting to contact national credit   systems for over a year. I have asked for verification or resolution if debt mine. I have sent correspondence to company advising best forms of communication/ mailing address and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XXXX of XXXX. So I contacted the bureaus and they stated the charge of was I XXXX of XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.

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 2018-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. XXXX XXXX should be remove - two of them 2. too many multiple addresses on the report - keep only XXXX address 3. three capital one = already been paid in full status - please remove them on this report 4. XXXX XXXX - THIS HAS BEEN PAID OFF. why still showing open?? 
overdraft? 
- currently, i have my checking and saving account with XXXX XXXX ... .. 
please remove them my cell # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
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: Account information incorrect

Complaint:
XXXX XXXX is reporting an account that is fraud

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 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 a letter requesting accurate information be sent /updated to credit reporting agencies regarding a late payment from XX/XX/2020 and the request was denied. If they check the phone calls they can see I was instructed by Capital One to do the following steps to avoid being reported late but ultimately received the wrong info from an employee on a recorded line that ended up with a negative item on my report. It was NOT investigated fairly. And has caused my score to decrease significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dear CFPB representative Hope this email finds you well. I am having an issue with Navient private student loans. I have being making double the minimum payment and instruct Navient during everypayment that overpayment be allocated to principal. Navient does not allocate the additional payment, but continues to charge it towards interest. I called email navient in reference to this practices and they replied but stated that I should allocate extrapayments as directed which I do. I never being delinquent. I spoke with a representative on XX/XX/2019 her name is XXXX   ID # XXXX for 45 minutes in which the whole time she tried to change and denied improper payment allocation. She stated " Interest capitalization must be paid first until it zeros out interest than overpayment goes to principal, '' I challeged her on this because another loan does not have a zero out interest and the payments go to principal, which she replied that it did, only to retract that comment and say that its not zero out but that change of terms of the loans change daily. I have health issues, I am working seven days a week to pay my loans, and this is affecting me physically and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a student loan being serviced by Discover. I refinanced this loan through XXXX. XXXX sent a check for {$19000.00} to Discover to pay off the loan on XX/XX/XXXX. On XX/XX/XXXX, Discover deposited the check. 

Discover is saying they have not received this payment. XXXX sent me a copy of the cleared check to send to Discover as proof of payment. I uploaded the copy of the cleared check to my Discover account on XX/XX/XXXX, and I called them to make sure they received it. They said they have it, and they will look into it. 

On XX/XX/XXXX, I called them again because I kept getting notifications that my account was past due. They said they are still looking into it. 

My dad, who cosigned the Discover loan with me, was getting the past due notifications too. When he called them, he was told that both of us would get a negative report to the credit bureaus, if we don't pay. When he mentioned the document of the cleared check that was uploaded by me and the calls that I previously made, they said they have no record of any uploaded check or any record of an ongoing investigation into the payment. 

Discover removing the investigation, and not notify me that they are no longer looking into my issue, is unacceptable. Worst of all is threatening to send a bad report on both my dad and me to the credit bureaus, when they won't even thoroughly investigate what happened to the payment from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by an advertisement from XXXX. The man sent me multiple emails and texts. We agreed upon rent and move in date. I sent him a deposit and first month and a half in rent then when I got to the place he discontinued his phone and no longer responded to my email. I reached out to my bank USAA to dispute this and they claimed there was nothing they could do.

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