BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-01
Company: EOS Holdings, 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: Account status incorrect

Complaint:
In XXXX, I co-signed for my son for cable tv with XXXX XXXX while he attended University XXXX XXXX. He left school in XX/XX/XXXX and we cancelled the cable account. However, he did not return the cable equipment thinking that the cable company would come and pick it up ( he was XXXX at the time ). XXXX XXXX sent the bills to her campus address and they were not forwarded to our home address. It was turned over to EOS CCA and they contacted me and I immediately paid them in XX/XX/XXXX. The problem is that EOS updates this account every month and it appears to the credit bureaus that is was just recently paid which is adversely affecting my score by 60-70 points. I have contacted XXXX XXXX XXXX ( which has been purchased by XXXX XXXX XXXX and they have no record of my account being delinquent and have told me ( I have spoke to them 4 times ) that the would remove the reference from my report. I have followed up with EOS CCA and asked them to remove the reference since the original creditor agrees it should be removed but they refused. I then asked them to show the date reported as XX/XX/XXXX which would then not adversely affect my score and they refuse to do that as well. I have spoken to them 4 times as well. I don't dispute the reference but I feel the way that they update the account every month is unfair and severely adversely affecting my score forcing me to get higher interest rates than I should be receiving. The rest of my credit is perfect and my revolving accounts are paid in full every month. This type of reporting must also be adversely affecting other people in the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX  XXXX  XX/XX/2023

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2019-07-05
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Been receiving emails from XXXX XXXX claiming to be with True Accord stating that I owe XXXX XXXX {$420.00} and I can settle for {$330.00}. I looked up XXXX XXXX and they finance Horse Trailers. I live in an apartment complex. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Unable to file a dispute with Credit bureau in regards to inaccurate account on my credit. XXXX XXXX XXXX is reporting on my credit and can not provide a contract with my signature proving that I opened this account. It was opened falsely years ago. I would like to the valid proof that I own this account because I never did. Its also been on my credit for 7 years. Please remove.

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 2020-11-01
Company: Experian Information Solutions Inc.
State: NY
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: Other problem getting your report or credit score

Complaint:
In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Out of the blue my account was closed no funds returned, I called and tried to get assistance all they said was I'm sorry its closed smh

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 2023-01-22
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had received multiple phone callls from a debt collector that I had no knowledge of after I said I didnt own a vehicle and that I was not going to pay the debt collector because my auto loan account was sold or given to another company/debt collection agency the gentleman then said Ill go ahead and make sure your credit and your life is put under fraud and then proceeded to say I will also get you deported because he was a fbi agent then he hung up the phone and all my information was then hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls, disconnects when I answer, when I call the number back there is a recording that says they are a debt collector. When I speak to a representative, they ask for personal information from me, but refuse to provide any valid proof that they are legally licensed to operate in my state. They have called me over 100 times since XX/XX/2020, yet have never once disclosed what debt they are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau. 

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.

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 2020-11-01
Company: I.C. System, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX sent me to this collection agency. I have sent numerous letters and bankruptcy documents to this company that this account was included in my Chapter XXXX Bankruptcy. If this matter is not resolved within 30 days I will notify the bankruptcy court of Wyoming that I.C Systems is illegally trying to collect a debt that was included in the Chapter XXXX bankruptcy I will also file a law suite in the small claims court of XXXX County against both company 's. If this is not resolved by XX/XX/2020 a court case will be filed

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They charged XXXX $ fee every time account was even XXXX $ over for non sufficient funds and not only XXXX time did up to 5 times in row also if you couldnt get money to pay account to a positive balance charge every day XXXX $ such a rip off

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 2018-03-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XX/XX/XXXX, with my mortgage finally transferred to Chase for servicing in XXXX. My biannual property tax bill due in XX/XX/XXXX was not paid by any of the companies involved with my refinance or mortgage servicing, and I received a overdue tax notice On XX/XX/XXXX. I immediately notified Chase by phone and they assured me they would take care of the bill right away. I sent an image of the bill through their Secure Message Center, and received confirmation from Chase on XX/XX/XXXX and " Please rest assured I have forwarded your request to our Tax Department for review. 
Please allow 7 days for processing. 
Please keep in mind, it could take up to 30 days for the payment to process and reflect on your monthly statement. '' I called on XX/XX/XXXX to check the status, but there was no further information. 

On XX/XX/XXXX, I received a Final Notice Before Tax Sale from the county property tax office. I logged on to my account to see no payment had been made from my escrow account for taxes, I called Chase immediately to check the status. The tax department representative told me no action had been taken on paying my property tax bill, but they would process the payment right away. 

I am concerned that Chase will be slow to pay this bill, or not pay it at all, sending my home to a tax sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account has had double purchase and payment deductions on more than several occasions throughout my business savings and personal accounts along with overdraft fees. 
This company has been very cunning and tricky with the accounting summary. 
VERY

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 2021-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/21 I was notified my oldest secured card was closed by me which I did not do and I called my bank at XXXX XX/XX/21 when I saw what happened and let them know it wasnt me and he said theres nothing that can be done so I asked to make an appeal to have my account reopened and he said that he put it through and it would take 7 to 10 days but Im not sure he actually did it bc Ive received no updates as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
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: Information belongs to someone else

Complaint:
When we struggle its often because we can not obtain credit as you people and this particular instance we believed derived from the Equifax breach. in XXXX I received notices og being placed on the dark web.and XXXX 's paid watchdog service told me my information had been leaked on the dark web and not days later did my cards go to default status over the next two. I let all three CRA 's know about three accounts that where completely unbeknownst to me I had filed an FTC Identity thetf. nearly 4 years later I am still sitting here with the same disputed items all related to id theft and Ive wasted 4 yers as a single parent struggling. FCRA laws including rule 605b and [ Codified to 15 U.S .C. 1681 note ] These accounts should be blocked : XXXX {$4600.00} XXXX XXXX {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX  {$1200.00} :.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022 I sent RMP LLC a verification of debt letter and they sent a reply through mail the same day. 
In the reply they stated they are unable to locate XXXX XXXX ( me ) in their system. 
The verification of debt letter I sent them included my credit report with charges im unaware of and may violate my rights abd HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: KY
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, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In XX/XX/XXXX, my wife and I filed for bankruptcy Ch-XXXX. I understand that the bankruptcy stays on your credit report for ( 10 ) ten years. ( It should be only ( 7 ) seven years. ) My own opinion. But anyway, our complaint is with the ( 3 ) three Credit Bureaus who is showing our filing of bankruptcy with the notations that saying, " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS, TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN, NUMBER ACCOUNTS WITH DELINQUENCY ''. 
ALSO, a high-risk fraud alert was completed saying XXXX and XXXX took place with no explanation.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 never gave no consent written or orally to use my information as a federal protected consumer I have the right that this information be removed it dont belong to me. This is alleged obligation

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 2018-10-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested a re-audit of my qualifying public service loan forgiveness employment in XX/XX/2017. I have yet to receive any response on the request despite calling on more than one occasion to follow up. XXXX has refused to certify months during which I was employed by a qualified employer and otherwise complied with all requirements for public service loan forgiveness. At one point I was considered " ahead '' on payments because I was admitted to the auto-payment program but was not aware of the fact that I was admitted. As a result, in the month that I was admitted, I made a manual payment and an auto-payment the same month. For months thereafter, while working at a qualified employer, XXXX has refused to qualify my service until I went a month without paying so that I would be considered no longer " ahead '' on my payments. In addition, the month I was instructed not pay so that I would no longer be " ahead, '' also did not count despite continuing to be employed by a qualified employer and complying with all other requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage to refinance my home. The process started on XX/XX/2020 when the loan official at Popular XXXX XXXX XXXX first check my credit after I signed an authorization. After an ardous process which included sending all required documentation the loan was denied on XXXX XX/XX/2020, based on information that I provided the Bank on XX/XX/2020. The information had to do with a payment moratorium provided by Popular XXXX based on the CARES ACT. However, the mortgage I was seeking to refinance is not in forebearance. The payments are up to date. The moratorium is on another property that is under-contract and about to close. Popular XXXX assured me in writing that following the CARES ACT they were not going to affect my credit nor report the moratorium to any credit agency. Nonetheless, the letter entitled " Disclosure of Specific Reasons Regarding Denial of Credit Application '' received on XXXX XX/XX/2020 states that the reason for the denial is " Mortgage account in forbearance-Not allowed by XXXX ''. This must mean that Popular XXXX reported to a credit agency ( XXXX XXXX ) the moratorium thus affecting my credit. My credit score is over 800 and my income to debt ratio is solid. After months of sending the same documents over and over ; it's not just for Popular XXXX to deny me credit based on an information that was not supposed to affect my credit according to the CARES ACT. Moreover, the only way this information could have ended on a credit agency is if Popular XXXX divulge it, since they are the loan owners and they were the ones that offered the moratorium as well as the extension. Popular XXXX knew I had another loan on moratorium ( not the one I was seeking to refinance ), not only because they offered it, but also because they asked for evidence about it and I sent it on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation