BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
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:
XXXX  and Equifax are reporting a closed collections account as still open, which is resulting in a derogatory mark on my credit score. I had an account with XXXX XXXX XXXX which was placed for collection on XX/XX/XXXX for the amount of {$79.00}. This account was paid in full and closed on XX/XX/XXXX. When the account was paid, XXXX XXXX XXXX contacted XXXX  and Equifax twice a month for three months requesting they close and remove the collections account from my credit report. I also disputed the account status with XXXX  and Equifax myself. While XXXX  and Equifax both show the account balance as XXXX ( and even have a closure date of XX/XX/XXXX on the account ), they still have not closed or removed the account as requested both by me and the collection agency, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have short sale approval with US Bank that was good through XX/XX/XXXX. I found out that the buyer 's needed to receive their first month social security deposit to meet a funding condition and would not be able to close until XX/XX/XXXX. I was told by the negotiator on XX/XX/XXXX that the extension through XX/XX/XXXX would be allowed. However, I found out yesterday that he can not issue the extension because the foreclosure date is set for XX/XX/XXXX and US Bank is refusing to postpone the sale date. The buyers are already DEEPLY invested with the closing process include spent hundreds of dollars on appraisal and inspection and US Bank is being completely unreasonable especially after the fact they said an extension though XX/XX/XXXX would be allowed.

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 2019-03-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife contacted Equifax yesterday regarding some fraudulent hard inquiries and inaccuracies on her credit report. The agent was very helpful and took the hard inquiry disputes without a problem. Today, less than 24 hours later, I am attempting to dispute the SAME hard inquiries listed on my account. I have spoken to 3 different representatives, supposedly 1 was a supervisor, and NONE of them will accept my dispute. All 3 agents claimed they were unable to dispute the information. I asked them if the policy has changed within the last 24 hours and I was told no. Each agent claims that hard inquiries are not disputable. I asked the agent to pull the dispute number provided to my wife so that they could verify that the information is the exact same accounts and can in fact be disputed. She pulled the file and still said these accounts are not disputable. I asked her for the name of the agent who handled my wife 's file. I was told they could not give me that information, even though the information has nothing to do with my wife 's file and is just the agent 's name. I then informed her that I would be filing a complaint with the Consumer Financial Protection Bureau and the Better Business Bureau. I asked the agent to please connect me to the same agent that handled my wife 's case. The agent told me she was transferring my call but not to that agent. About 5 minutes later an agent named XXXX got on the phone. XXXX was very helpful and promptly disputed the hard inquiries. I believe he was the same agent that handled my wife 's dispute 's the day before. I highly recommend XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Paypal Holdings, Inc
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Venmo won't give me my money back. I need a refund for these items On the XX/XX/21 {$3.00} {$5.00} {$29.00} {$2.00} {$34.00} {$4.00} XX/XX/21 {$8.00} {$2.00} {$55.00} {$2.00} {$12.00} {$80.00} XX/XX/21 {$78.00} XX/XX/21 {$78.00} XX/XX/21 {$90.00} XX/XX/21 {$100.00} XX/XX/21 {$200.00} XX/XX/21 {$100.00} XX/XX/21 {$9.00} XX/XX/21 {$73.00} {$54.00} XXXX XXXX account XX/XX/21 {$100.00} XX/XX/21 {$83.00} I want the all the refund sent to me in a check sent to my address.been asking for it they been putting it off. I want the refund I am asking for asap

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16
Company: Advance America, Cash Advance Centers, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, 2017 a loan of {$400.00} was established. The interest rate being 347.69 % with a finance charge being {$57.00}. Within a week, XXXX XXXX XXXX contacted me about the way Advance America conducts their payday loans. Upon further investigation, I was able to ascertain the basis that Advance America was in fact violating the Indiana Statue governing the way payday loan companies are to conduct themselves. The maximum finance rate and fees allowed by Indiana law on a loan of {$400.00} is 13 %. This is not the case in the existing loan. The rates in this loan are beyond 13 % which if that is true, it 's more than the maximum finance rates and fees allowed in the State of Indiana Statute 24-4-4.5-7-101 et seq. Advance America is committing fraud which is unethical and has chose to violate the Indiana rules of law are required for payday loans to abide by. This action is the intended action the Indiana Statute is intended to avoid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have 7 synchrony accounts and all of them were closed by synchrony within the last 4 days. No notice, or nothing was received. I used one of my cards on the XX/XX/2020 and went to use it tonight XX/XX/2020 and it was closed, I thought maybe I did something wrong. I called the credit card and they said synchrony closed my account. I then logged into my other 6 synchrony cards and saw that every single account was closed. This is going to hit my credit score very badly!

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 2020-09-04
Company: DISCOVER BANK
State: AZ
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 a loan with XXXX XXXX XXXX XXXX and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and DISCOVERBANK with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Two years ago I went through this same issues and got it resolved. I had to sue one of the credit reporting companies to get the to remove what was not mine. I have been out of the country for 18 months and I come back to not 1 but 2 bankruptcies on my credit report. I contacted the courts and they told me the same thing they did 18 months ago which was they DO NOT report bankruptcies to the credit reporting companies. I don't now why these 2 bankruptcies are on my report or who filed them but for the 2nd time I need them to remove it. The removed it before not there are 2 new ones.

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 2019-03-14
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CitiMortgage is in direct violation of the Fair Credit Reporting Act because they are reporting inaccurate information after I disputed it and had them verify the information that I knew was incorrect. 

I consulted with an FCRA attorney who said that I could possibly be entitled to compensation as a result of this verified inaccuracy. 

1. XXXX is reporting a monthly payment of {$400.00} which is impossible. How can I have a monthly payment when the account has a XXXX balance? 

2. XXXX has terms as 396 months where XXXX & XXXX have XXXX. 

3. XXXX list the status as derogatory, XXXX as paid, and XXXX as closed. How can the same account have 3 different statuses? 

4. The date last active and the date of late payment are different on each credit report as well. 

How can this information be verified and meet FCRA requirements when there is a clear violation going on here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Leopold & Associates, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named Leopold & Associates, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

Leopold filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, XXXX and Leopold. 

XXXX 's latest attempt to collect on this debt was a demand for payment dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.

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 2018-02-03
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: SinglePoint GI
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: Old information reappears or never goes away

Complaint:
The creditors GENERAL REV, XXXX  XXXX XXXX, and XXXX XXXX XXXX  keep reporting accounts to my credit report that I have already paid off and are all XXXX  XXXX. Please delete these accounts off my credit report and cease all reporting activities

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Navient Solutions, LLC.
State: WA
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 have two student loans that continue to show up through Navient. These loans should never have existed as i dropped out of this school and they never refunded the money back to the government. The disbursement date shows XX/XX/2008 XXXX it is now XXXX the other was XXXX and now XXXX disbursed XX/XX/2008 I have contacted the Dept of Ed each year when i would apply for federal aid and they stated the loans should not be there. 

This has been stated for years and years.11 to be exact. I have went on to complete my BS. 

Im asking someone intervene and remove these loans. 

Thank you for your help. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/18 Open a Account I was not able to open a additional account at a bank that I already have a account open?

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 2021-08-11
Company: Resurgent Capital Services L.P.
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 don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

3. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

9. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian, XXXX and XXXX have continued to report information on my credit report, even though information has been sent to the agency that shows that judgement and ownership of accounts have been dismissed by a court. Additionally, all three credit bureaus have found ways to deter consumers from appropriately disputing items on their website. 1. I have attempted to file a dispute on their website for accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX. 2. When utilizing the online site for each credit bureau they presumably give you access to your " free credit report '' to dispute the charges. After going through the ropes of filling out the information which primarily is listed as not having any knowledge of the account and that I would like the credit bureaus to investigate and have each of these companies to adhere to the Fair Credit Reporting Act and verify all information, including but not limited to the open date the last payment date and a signature card or paperwork that would verify me as the account holder. 3 Once I completed this process, each reporting agency then funnels you to a section of their site where you MUST attach supporting documentation. In my case there is no supporting documentation because I have never known of these accounts let alone have any reasonable documentation that would assist in their investigation. 4. If a consumer is asking for a debt to be verified with specific documentation which would prove ownership, why would the bureaus requiere documents with this request. If I have no knowledge of an account and was never notified again, why would i have something to upload. 5. Therefore, the credit bureas would not let me submit the dispute and moreover they have prevented me from accessing the site again to file the dispute with a report number ( which was never generated ), since the site recognizes that I have already pulled my report and does not allow me to dispute my issues utilizing this service. 6. Attached you will also find documentation as it relates to a judgement listed on my Experian, XXXX and XXXX credit report from XXXX XXXX County Court on behalf of XXXX XXXX. I have confirmed through XXXX via the CFPB data base that this information should not be reported and I want this along with all negative information that can not be verified to be removed immediately. 7. Additionally, I have also included information from The XXXX XXXX County Court where the Navient account collection has been dismissed due to lack of proof of ownership.

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 2018-07-11
Company: DISCOVER BANK
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX, I cancelled my XXXX  XXXX acct. and my discover card. XXXX had a XXXX balance and XXXX XXXX billed it again. I have talked to XXXX XXXX  and discover constantly since XXXX. They both continue to bill me and have reduced my credit rating from XXXX to now XXXX and my balance with interest and charges is XXXX. I sent copies to XXXX XXXX by fax to a XXXX and she said that was all she needed. She is now asking for all the bills from XXXX to the present date XX/XX/XXXX again. I appreciated the use of XXXX XXXX when I had no cell phone service. I moved last XXXX to XXXX and have cell phone and internet service now. From the time I cancelled XXXX XXXX and discover, I have not used the discover card at all!!. Discover gives me the run around and so does XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21
Company: Medical Society Business Services, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have disputed this erroneous medical debt to the three  major credit bureaus. This debt collection agency has validated this debt three  times. They are claiming I owe {$450.00} and have it listed on my credit reports as a collection. " Bureau of Med ECONS XXXX '' Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX ( XXXX ) XXXX I have sent them a notice of dispute of debt and request of method of verification without response. 
I have perfect credit with the exception of this erroneous collection account that is not mine. 
I did a dispute with all three credit bureaus and even placed a fraud alert on my report over this. 
I want this collection debt removed from my reports and I want proof of ID they have on file and all other forms of verification where they are staying this is my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: Aargon Agency, Inc.
State: DC
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:
AARGON AGENCY INC # XXXX has listed a collections request on my credit report and I do not owe the amount listed. This is severely affecting my ability to obtain a mortgage. 

I have contacted both Aargon as the collections agency as well as the original landlord XXXX XXXX XXXX to dispute these charges several times. 

I do not owe what they say I owe and I would like this collection removed from my report. This is fraud. 

According to my lease the maximum I could owe if I did not provide notice, which I did in fact do, would be one months rent. My lease was for XXXX $ a month and they are claiming that I owe XXXX XXXX 

I was advised by XXXX  to file a complaint with the CFPB. 

Thank you

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 2019-02-19
Company: BMW Financial Services NA, LLC
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:
I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.

Company response to consumer: Closed with explanation