BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax aggravated cyber-cuffing not allowing me to dispute their credit report after I had already been assigned a confirmation number on my equifax profile file on XX/XX/2018. XXXX case number was subsequently requested and submitted with witness of high level corruption discussed X 3 witnesses. My address was correct which got me into my equifax account and the equifax employee subsequently lied stating that was the reason the account was unavailable online and stated it takes 30 days to correct address!! 
INVESTIGATE EQUIFAX!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, today I got notified that a collection account related to a medical bill has got reported to my credit history. The collection agency contacted me ~6 months ago and informed me about unpaid balance and immediately took action and paid the entire bill to the SERVICE PROVIDER and then sent the receipt of the payment to the collection agency. They told me it will take 2 weeks for their records to get updated and they will remove the claim as soon as they confirm it with the provider. After that I tried multiple times to contact the collection agency to resolve the issue but they kept saying the account is under review. The service provider name is " XXXX XXXX XXXX XXXX ''. As per attachments you can see that I have already made a payment of {$68.00} on XX/XX/XXXX to the service provider. In order to prove that the transaction has actually gone through, I've attached my XXXX card statement for XXXX for your visibility. 
For the past 6 months, I've made multiple attempts to resolve the issue by contacting RentonCollections but I keep hearing the account is still under review. Today I got informed that this account is actually reported to my credit history. I immediately filed a dispute and send RentonCollection an email to remove this account from my credit history ( again ). But no action is taken yet. I feel I'm being financially abused and they are intentionally delaying the review.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: IQOR US INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Up until Covid happened in XXXX, my loans were in good standing and paid on time every month through the Florida Dept of Education. I was temporally laid off from my job because we closed for 7 weeks. Under the federal law, ALL student loan payments were put on hold, this includes 0 % interest. At the time I'm writing this complaint, payments aren't due to be resumed until XX/XX/2021. I have recently gotten letters from Allied Interstate demanding payment on my student loans. Today I got a hefty envelope from them stating if I don't repay my loan, in full, they will start to garnish my wages!!! How is this legal??? How are they allowed to harass people about their student loans when there is a law in place the no payments are due!! This needs to be addressed!! Up until XXXX, when the Act took place, I paid my loan every month on time! PLEASE HELP!!

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 2020-01-31
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was involved in a car accident causing a total loss on XX/XX/2019. The only payment that I should be responsible for is the one for the month of XXXX and any fees I may have racked up before the date of loss. I have been getting charged and recorded on my credit report that I havent been paying them since the accident but XXXX has already taken full responsibility and sent out a payment for the vehicle plus I have GAP insurance which should cover any thing XXXX doesnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XXXX XXXX contacted on XX/XX/XXXX me interested in buying XXXX XXXX listed on XXXX He sent me a cashiers check to pay for it on XX/XX/XXXX, then said he accidentally sent more money, on XX/XX/XXXX the amount of the check was deposited into my account, so I sent XXXX to XXXX. 
My bank deemed the check as fraud on XX/XX/XXXX, so I lost the amount that I sent, 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 2020-11-04
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HCI notified me on or about XX/XX/2020 of an alleged debt being collected. Under the FDCPA, a debt validation was submitted to the organization within 30 days. HCIs response only included a billing statement indicating a balance but provided no documentation to indicate that the alleged debtor has actual responsibility for the alleged debt. As such, the original creditor listed in the alleged debt made no attempts to collect any alleged monies owed nor made any attempt to indicate that any balance may have been owed.

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 2017-09-15
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Today, XXXX XXXX,2017, I tried to access my Equifax report through the official website, XXXX. After completing the requested information I received a message that they were unable to access my information on-line. No reason for this was given. It was further suggested that I should request the report is writing. This I do not want to do as it will take such a long time to get the report, especially right now during the Equifax data breach. So, I decided to see if I could get the reports from the other 2 sources. I successfully accessed my XXXX report, but not the XXXX report. I received a message from them that they could not access my information and that I should try again later. When I went back to the starting page to try again each of the sources was checked off as if I had gotten the reports. This was confusing. I need to know whether or not I will be able to get the other 2 reports later or will these unsuccessful attempts to get my reports be considered my annual requests and, therefore, prevent me from getting the actual other 2 reports.. It was annoying to have to reenter all of my personal information each time I went back to the beginning to try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEAR ACA OF XXXX ; Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Bread Financial Holdings, Inc.
State: TN
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:
XXXX XXXX charged a late charge. I had no idea anything was late and was not contacted. I contacted XXXX and they agreed to waive but instead marked my account past 30 days for a late fee. I have disputed this several times and it is still there marked past 30 days on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've disputed this twice and I believe that whomever is working the dispute is not paying enough attention to the dates and what I am requesting. Yes they have helped me with some and thank them very much because some information has already been fixed. From XXXX through XX/XX/XXXX it shows my loans were current and in good standing. What I don't understand is how does it go to 60 days in XX/XX/XXXX if they are current in XXXX? The same goes for XXXX and XX/XX/XXXX shows current but XX/XX/XXXX shows 60 days late then XXXX shows 120.  How is this possible if they are current one month then go 2 months late? Someone please read this accordingly and assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Due to COVID my husband lost his job, my account charged off I received several calls and emails. On XXXX XXXX I received and email stating my account was past due charged off not receiving interest or fees. That I could call and settle my account or even go on line to settle. I tried to log on line but there is not anywhere to complete a settlement for my account. I called on XXXX XXXX spoke to a representative explained my situation advised I could settle using my stimulus check and {$300.00} of my paycheck to give 50 % which is all I had she refused stated they could only accept 60 % {$2000.00} I explained I do not have that the 50 % was everything I had to resolve the debt not to argue anymore I advised I would resolve when she would be able to accept what I had. The very next day XX/XX/2021 I received the exact same email along with calls again. I returned the call talked to XXXX if XXXX and explained I just spoke to someone the day before explained again the situation the rep refused to accept my offer stated all could do was 60 % I asked her to not email me anymore and not to call me I also asked to speak to a supervisor to help me she left me on hold came back said there was not a supervisor available I advised her I would wait for one she put me on hold several minutes then I spoke to XXXX Id XXXX as a supervisor explaining again my frustration and that I am just trying to resolve this with what I have available {$1700.00} he refused said best could do was {$2000.00} I asked to speak to his manager he advised me that his managers do not take calls so he is all I have. I asked for contact I formation to the corporate office he gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX on XXXX XXXX I called corporate office talked to a representative he stated he would transfer me to someone that would help me resolve my situation he transferred me to collections to XXXX XXXX Id XXXX who argued with me about the debt said I would be calling him back I explained to not call me anymore that he is not helping me resolve my account. The very next day I received another call from them again. I called them back again explained to them I have a do not call on my account and used them they are not willing to accept everything thing I have to offer to resolve this there is nothing more I can do I advised the representative again they need to stop calling my phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 was shocked when reviewing my credit report and found a late payment reported for 60 days in XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Noticed several inconsistent information on my credit report. they both can't be accurate. 

This not a duplicate.

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 2021-04-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX Reported on my account as a collection. XXXX XXXX XXXX Usa states per credit report that this account was opened XX/XX/XXXX .XXXX XXXX Bank XXXX added a derogatory mark on my credit report. Per XXXX XXXX, XXXX XXXX and XXXX XXXX. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX Jpmcb Card Reported on my account as a collection. Jpmcb Card states per credit report that this account was opened XX/XX/XXXX .Jpmcb Card added a derogatory mark on my credit report. Per XXXX XXXX XXXX XXXX and XXXX XXXX. Upon further research, this account was marked as charged off. I have not received any verification from Jpmcb Card except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Jpmcb Card has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: SUNTRUST BANKS, INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred XXXXUSD from Suntrust Bank ( XXXX XXXX XXXX ) to XXXX XXXXXXXX XXXX onXX/XX/2018. The Reference Number is XXXX. Unluckily the banker in the Suntrust Bank made a huge mistake on the recipient bank number, so that I can not receive the money in XXXX. I also phoned the Suntrust Bank ( XXXX XXXX XXXX ), but nobody answered.The XXXX XXXX XXXX also sent a letter to the bank, asking for an amendent letter for the correct recipient bank number as soon as possible. Otherwise the money will be refund to Suntrust Bank ( XXXX XXXX XXXX ). I am so worried. Please help me XXXX this case. Please contact me by email ( 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 2018-04-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX  ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Atlanticus Services Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently disputed this alleged account directly with Fortiva. And later checked my credit report and there was no " NOTICE OF DISPUTE '' in the comment section so I sent another dispute letter pointing out that they're ( Fortiva ) is REQUIRED BY FEDERAL LAW TO NOTIFY THE CREDIT BUREUAS WHEN AN ACCOUNT IS BEING DISPUTED. Which they've failed to do. I have proof! 

a. Time-Stamped copy of my credit reports b. Certified mail receipts c. Including a signature showing that my first initial dispute letter was delivered and signed for. 

Fortiva is in violation of the FCRA Under the FCRA section 623 ( a ) ( 3 ) and or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period This is a federal violation and isn't to be taken lightly. I'm also attaching the dispute letter informing Fortiva that they've violated the FCRA and the FDCPA. They're now being NON COMPLIANT to the federal law! There is NOTHING IN THE COMMENT SECTION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express sent my account to collections after only being last 20 days on a payment. They did NOT call, email, or send me mail even notifying me I was late. And yes they have all of my info. Also, they claim they ca n't tell me why it was sent to collection, stating the third party is handling the account. The collection company they referred me to could n't tell me either. My statements all show current on my payments, and I in fact just paid this account off. Now it will show collections on my credit report when I did nothing wrong, and AMEX did n't even notify me there was problem. I will be filing a law suit pending the outcome of this. 

XXXX

Company response to consumer: Closed with explanation