BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
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: Account information incorrect

Complaint:
In XX/XX/XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XX/XX/XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XX/XX/XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XX/XX/XXXX and no further payments were made after that point

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: VA
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:
The Experian Credit Report shows XXXX XXXX sent to collections from XX/XX/2018. This was related to an on the job injury covered under XXXX 's XXXX. I provided the collections agency with the Workmans Comp Account number, along with the Emergency Room Billing Department which show no more record of me personally owing anything. I have Disputed this threw they system, providing all necessary documentation, and they still do not remove it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: GA
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 the XXXX account on my credit report. It is reporting more than seven years at XX/XX/2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Problem : Equifax makes it impossible to unlock credit report on the internet, as was originally promised. XXXX recommended I call a number that was supposed to be Equifax but was actually a SALES PROMOTION that wastes tons of time. 
Shame on XXXX and Equifax. They should be fined. 

DO NOT CALL THIS NUMBER XXXX it is a sales pitch for Cable Services, and is NOT a means to contact Equifax. This is a trap. 

When you call XXXX the customer MUST listen to many minutes of " free '' offers and then is sent to a Cable Company SALESPERSON to get a sales pitch. This number was given to me by XXXX who told me I HAD TO CALL THIS NUMBER to unlock my credit. 

I was expecting to unlock my credit via the internet, as I have my codes all organized. Equifax will not allow me to do this, instead sending me to a Cable Company for a long sales pitch. 

On Friday XX/XX/XXXX, I went online to use my unlocking codes to temporarily unlock my credit through Equifax. I was advised to do this through XXXX as I am applying for a new Credit Card. I had tried to unlock credit through Equifax on internet, but this is now impossible, even though I have the code to supposedly unlock my credit online. I had to pay a mandatory fee to freeze my credit in the first place, even though Equifax was responsible for the MASSIVE BREACH in XX/XX/2017. 

By XXXX Eastern time, I was told by XXXX to call this number : XXXX. 
I had to wait until Monday Morning to call this number. Then I spent many minutes on hold, then I got a sales pitch for Cable Services. Finally, I called XXXX and after many minutes on the phone had to give up my codes to a human who could also breach my data. 

Since I am paying for this service, even though it should be FREE, it should work on the internet with the correct codes. All phone numbers should work on weekends. 

Equifax should pay me money, for having to waste MY TIME on their sloppy, underfunded, nasty credit reporting business. Ditto XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX I opened a Private Student Loan with Wells Fargo Bank for the amount of {$7500.00}. My father paid off the {$7500.00} on XX/XX/XXXX however a month after we received a bill for {$5900.00} for interest charged for the loan that was already paid. I was still in my grace period, so there should not have been any interest running on the loan.

We contacted the Wells Fargo costumer service for this student loan in person and by phone several times with no results about this interest charge.

As of this moment my father has been paying those interest monthly that include interest of the balance plus interest.

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 2019-03-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is attempt to correct my XXXX, EXPERIAN, and XXXX   credit report ( s ). I have identified fraudulent inquiries and fraud accounts. Please block the account listed below : XXXX XXXX : XXXX This is the account I request to be removed permanently from my credit report. Please block these accounts. This account is unverifiable and violates my consumer rights.

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 2020-05-12
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I signed on to the PSLF program and started paying in XX/XX/2009. I have completed all 120 payments, worked for the correct organizations, and was in the right repayment program. I have met all criteria. Yet when I applied I was told I have only made 35 payments of the 120 required. I was told the previous loan managers, XXXX etc did not provide documentation to Fed loan. Yet when I try to recoup the data by requesting documents and asked for an audit I was told no that I can not get my forms and correspondence etc. I was told an audit would take years. I talked with a person unaffiliated with fed loan that had access to my financial aid files and he could see all the documents and stated I mer all the criteria. I have no recourse and this places me in situation where I will have to pay an addition 7 more years or loans despite fulfilling my side of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent inquiries and fraud accounts. Please block the account listed below : XXXX XXXX  : XXXX  This is the account I request to be removed permanently from my credit report. Please block these accounts. This account is unverifiable and violates my consumer rights.

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 2020-06-01
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying my mortgage on time every month for years. My mortgage contract requires that I escrow taxes and property insurance so the funds are available to pay both taxes and insurance when they are due. My property insurance bill was due on XX/XX/2020 and Mr. Cooper has refused to pay the premium even though the funds are in my escrow account. I have called Mr. Cooper 8 times, faxed a copy of my insurance policy to their insurance department, and begged them to pay the bill. They refuse to pay the bill, are withholding my funds and the bill remains unpaid. This is a default under our mortgage contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I saw a collection on my credit report from XXXX I contacted the credit bureaus and advised them that I never owned a XXXX card, they investigated and removed the collection. Now XX/XX/XXXX I received a wages garnish judgment from Midland original debtor XXXX. The collection or judgment is not on my report I never received anything to report to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Me and my Wife were denied the Ability to open an Bank Account because of the way we signed our Names on the Contract. We are upset because it is our God given Right to Sign our Names however we please! Their is No Law on How an Individual can Sign their Name on a Contract! This happened on XX/XX/2021 we were forced to close our accounts that same day. It also happened Again last month when tried to Open an Business Account with them Also!

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 2017-08-02
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 information incorrect

Complaint:
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX I sent letter requesting for verification and not received a answer. It been more than several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call yesterday ( XX/XX/XXXX ) at XXXX XXXX. 

The caller said that I owed XXXX XXXX {$35.00} and that a collection agency had been contacted. 

I knew that I owed nothing but called XXXX XXXX and verified that. 

Today, I received a postcard purporting the same thing. I tried calling them but it is automated only. I tried a second time, entering the " reference number '' and was transfrered to a recording saying they were closed today and then disconnected.

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 2021-04-06
Company: CL Holdings LLC
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:
In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account. 

-I learned XXXX had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. XXXX refuses to close the account while it is under investigation with their collections company, Jefferson Capital.

** Strangely both Jefferson Capital and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent XXXX account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: FL
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:
Equifax, XXXX and XXXX  are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on  duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had just paid XXXX with my debit card for an amount of {$120.00} so my services to my cable would not get interrupted because I moved out of my previous apartment and transferred my services on XX/XX/2018. 

XXXX ended up drafting money out of my Chase checking account for {$370.00} which i did not authorize and I had already had charges pending on my account and XXXX allowed this transaction without my permission. 

and now I have 3 insufficient fees of {$34.00} which totals {$120.00} and now my account is over drawn - {$500.00} dollars I've contacted XXXX, and also I've contacted FCC as well as the FDIC on this issue and I did submit an complaint with the CFPB and I am not getting a response in regards to this problem on my account I get Social security and is on a fixed income this problem needs to be addressed immediately thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19
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: Information belongs to someone else

Complaint:
The original complaint was done on XX/XX/2018. Complaint number XXXX. All of the account and the majority of the inquires from the identity theft, have been removed. The only item is the old inquires, that I have requested to me moved months ago and to this date. All of the inquires haven't been removed. 

They are as follows : XXXX XXXX ( inquires ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been trying to purchase a home for month now and still am unable to do so, so to these inquires showing on my credit report and they have hurt my credit score, by lowering the scores. I have asked time and time again and it is beginning to feel as if, they know what is required of them. But, refuse to follow through completely. They are doing just enough to say they addressed the matter, after their investigation was completed and found the complaint valid. But, not enough to completely clear the matter and leave me in a state of limbo.

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 2021-04-06
Company: ERC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt company agreed to remove from credit report once paid in full. Debt paid, but company still reporting debt. Please remove debt per agreement. I have a whole new walmart card. if XXXX approved me for a new credit card why are you reporting an old account, that erc agreed to remove once paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: JPMORGAN CHASE & CO.
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: Personal information incorrect

Complaint:
A checking account was opened at JP Morgan Chase in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CITIBANK, N.A.
State: VI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My request via telephone to Citi Cards was for a replacement card due to wear and tear. 

After three separate calls ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I never receiving my replacement card - a representative on XX/XX/XXXX cancelled my account without my knowledge in order to send me a card. 

I was very uncomfortable with the way the phone agent handled the call and I called back to get the tracking number for the expedited replacement card. While going through the prompts, and entering my card number the recording replied " you entered your old card number ''. This was unexpected, however due to other commitments, I decided to call back the next day XX/XX/XXXX. 

Around XXXX I visited a retail establishment, the card was declined twice for {$12.00}. Immediately, I called XXXX XXXX - the representative relayed " your account was closed and new cards were issued ''. This upset me as I have several fiscal matters of my XXXX member family tied to this card. 

After speaking with 6 phone agents on today, I had to push for compensation or miles to get some satisfaction. The 3rd agent offered XXXX miles - which was not fair in my opinion since they did not offer anything for their gross error. The second offer was XXXX miles. I was annoyed because he said XXXX miles at first but changed his statement. I can't go anywhere on XXXX miles and told him, if XXXX XXXX makes an error with my seating or other inconvenience XXXX miles is the lowest I have received. 

The last rep by the name of XXXX was a stone wall robotic figure who did seem to care about both a husband and a wife on the phone asking for our Annual fee on the card to be compensated or XXXX miles. He stood by XXXX and did not care less of all of the undoing and manual contacts my husband and I have to make to remove the old card number and add the new one. 

XXXX, XXXX and XXXX offered to make an internal complaint of XXXX the culprit who made the error on XX/XX/XXXX and XXXX the Supervisor who blatantly lied to me about getting the card send XXXX this morning around XXXX. 

The same error escalated into a calamity which Citi Cards will not own. 
I want XXXX miles and compensation of the annual fee. This is the least Citi Cards can do for all of the trouble XXXX caused by misrepresenting me when he checked off the boxes that he advised me my account would be closed when he did NOT. 

XXXX XXXX needs to make this error right without delay.

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