BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.

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 2018-06-14
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this debt was paid off in full on XX/XX/2017 please update the truth this doesn't reflect that I infact paid it off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Braviant Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had to take loan to help my family through rough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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:
To Whom it may concern, I received copies of what appear to be front pages of a XXXX  XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX KS XXXX statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX since XXXX. I Moved to XXXX  in late XXXX of XXXX staying with a friend in XXXX XXXX  and moving to my own place in XXXX XXXX in which I lived until I moved to XXXXXXXX XXXX  XX/XX/XXXX for work and presently live here in XXXXXXXX XXXX  as of today. My 1st time visiting XXXX since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX 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 2020-04-29
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Its not letting me link the bank to my apps saying that theres a problem linking with this bank or it says that the bank changed authorizations about letting me link accounts to my apps without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: ALCHRO 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX I mailed a certified dispute letter to FIRST FED CREDIT & COL and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Have attempted to remove an old bank account from my profile after successfully setting up auto-pay with my current bank account. Navient withdrew incorrect amount XX/XX/XXXX ( {$24.00} ) although I am scheduled to pay {$270.00} ( which changes with interest rates month to month ) each month via auto-pay. Incorrect autopay amount rectified as of XX/XX/XXXX but, in attempting to remove the old bank account, my autopay ( with the correct/new bank account ) was all together cancelled in error. Have contacted representatives at the NJ office XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Representatives have advised that tickets will be sent to their " back office '' to rectify the issue ... no return call/correspondence/resolution of the issue. I have come to the realization that there is nothing I can do to fix any sort of problem with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Experian Information Solutions Inc.
State: NV
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/2021 I received correspondence from XXXXXXXX XXXX XXXX stating that " [ they ] were unable to locate an account in [ their ] system under [ my ] name. '' This account is not mine and I have not knowledge of it, yet it is still reporting to my credit report.

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 2019-06-11
Company: EQUIFAX, INC.
State: CO
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 and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 43 and 44 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Upgrade, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was approved for a debt consolidation, personal, unsecured, installment loan on XX/XX/XXXX. The loan was funded on XX/XX/XXXX, with {$2800.00} direct deposited to my bank account. The XXXX in XXXX form indicates payments of {$20000.00} were send to XXXX as a payoff for one loan I was consolidating and $ {$15000.00} to XXXX for paying the 2nd loan. I confirmed my XXXX and XXXX account numbers on the TIL and online to ensure any payments made on my behalf were applied correctly. Upgrade indicates XXXX XXXX XXXX  sent paper checks to addresses in XXXX, TX ( I have specific addresses if helpful ). I am unable to confirm check numbers, receive a copy of the checks, or other confirmation. XXXX and XXXX have both indicated they never received payment for my loans from Upgrade or XXXX XXXX XXXX. On XX/XX/XXXX, the checks to XXXX and XXXX were cancelled and Upgrade indicates that the funds will be direct deposited to my bank account " in a few weeks '' with a " no later than '' date of XX/XX/XXXX. 

I have been charged interested on all XXXX loans and payments on all 3 loans. Specifically, my complaint with Upgrade and XXXX XXXXXXXX XXXX  pertains to the collection of interest and a payment in the amount of {$950.00} on XX/XX/XXXX for a loan that has not funded. I further express my complaint that it will have over 6 weeks since disbursement of the loan to the date that I will have received the funds. Upgrade/XXXX XXXX XXXX were able to direct deposit the initial difference of funds into my bank account immediately, putting me on the hook for payments and interest on the {$2800.00}, but can neither expedite nor confirm an actual transaction completion date. I remain concerned that I will not see the funds from this loan and have a 2nd full month of interest and payments on all 3 loans.

My final complaint is the lack of response to follow-up with Upgrade. While I have learned to get through their system by selecting options that make me appear as a new applicant, when I call customer service as an existing loan holder, I have waited on hold for as long as 3.5 hours ( but usually give up after 45 minutes on hold ) with NO attendant response. I have emailed and received an automated response that it will be 3 to 5 business days to hear back. My emails sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remain unanswered. I have been given some information by getting to their phone system, but most answers to questions are unanswered. 

Nobody can confirm check numbers sent on my behalf as defined in the Truth in Lending statement. Nobody can tell me how to opt out of the Arbitration agreement with XXXX XXXX XXXX. I suspected the last one and will consult legal counsel if required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
It has come to our attention that a fraudulent account has been open in our sons name and someone has opened a fraudulent card using our child 's identity. I am asking that you close the account immediately and send us a letter confirming our child is not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Mid-Atlantic Finance Co., 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: Investigation took more than 30 days

Complaint:
I paid for credit repair service to fix the problem, but credit bureau has not yet fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I purchased 2 items and a membership fee on Amazon.com in 2019 using Chase-Amazon card that was offered as a promotion at the time of purchase. The items totaled {$64.00}. All subsequent purchases on this account were made via another Amazon card ( XXXX-Amazon ). I was unaware that I had two accounts and made consistent full payments on the latter. I received no card, nor any bills, nor any correspondence electronically or by mail from Chase in the intervening time. 

Recently, I received mail from a collection agency XXXX demanding {$310.00} for some outstanding bill. I have no outstanding bills but I understood it to be a dental bill for my daughter where there was some confusion with the Health insurance so I immediately paid what they asked. I then received, for the first time ever, a letter from Chase saying the matter has been resolved. When I contacted them to ask them what this letter referred to they told me it was in relation to the matter stated above. I explained to them that I did not have a Chase Card and never received any prior communications from them. They said the matter had been handed over to XXXX XXXX the collection agency. 

It was only after contacting Amazon that I discovered what happened. My problem here is that I never received any correspondence whatsoever from Chase saying that there was money owed. Surely, the credit card company has an obligation to make an attempt to contact me by phone, email, or letter prior to passing the matter to a collection agency. This all seems very wrong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
XXXX XXXX has been acquiring synthetic identitys for years using various addresses, defrauding several banks and credit card companies. Her real address is XXXX XXXX XXXX XXXX XXXX Il XXXX her real social is XXXX. Here are a few of the addresss shes used to get her cpns XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. I will attach emails between her and the lady who created the synthetic identitys for her as well as a copy of her fake social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Found out recently through XXXX XXXX that my credit dropped over 100 points in the past 2 months because of non payments to a XXXX XXXX loan, which I have not received any correspondence with this company. This server is Navient and I have read this is standard practice from this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions 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:
Im filing this complaint with CFPB for continuing to report this account without investigation peR FCRA federal law these dates are incorrect and should be removed due to the expiration of time. 

Ally incorrectly reporting date of last payment as of XX/XX/XXXX, This account was opened in XX/XX/XXXX and entered into BK in XX/XX/XXXX and all payments stopped by divorce at that time. 

I have attempted many times for Experian to show results of an investigation and they have provided no proof as to their claim

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX Transunion dropped my rating by 170 points based on a delinquency report fromXXXX XXXX in the amount of {$200.00}. 

XXXX XXXX claims the amount due based on a contract for the property at XXXX XXXX XXXX XXXX XXXX XXXX, our residence until its sale on XX/XX/XXXX, XXXX.We attempted to cancel this service with the security co XXXX yet they continued their billing after the sale. 

The original contract was with a different organization dated XX/XX/XXXX and that co, was subsequently acquired by XXXX and our payments for the duration show no delinquency Billing after the sale of the home is pure fraudulent intent.

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 2019-06-24
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had an issue that has been ongoing since my loan has been transferred from XXXX back in XXXX to Specialized Loan Servicing. I have spoken to approximately 14 to 16 different people regarding this situation and have provided the necessary documents to SLS to research the missing payments. I have yet to hear of a resolution and I have not been contacted by anyone to this date. I spoke to my previous mortgage company, XXXX and they informed me that two payments were forwarded to SLS after the transfer of the loan in XXXX. One payment was forwarded on XX/XX/19 totaling XXXX and another payment was forwarded on XX/XX/19 totaling XXXX. Those payments were the XXXX and XXXX payments. I am extremely disappointed with how this has been handled. I have been contacting SLS since XX/XX/2019 and have not yet reached a resolution. I provided proofs of payment notarized from my bank on XX/XX/2019 as instructed. These documents were received and I called to verify via telephone on XX/XX/XXXX. I spoke with XXXX at SLS in missing payments and was told the issue would be researched and resolved by XX/XX/2019. I  spoke to XXXX on XX/XX/XXXX who promised me the issue would be researched and a follow up phone call would provide resolution. I spoke to supervisor XXXX on XXXX who promised a phone call back within a 2 hour time frame with a resolution. I called on XX/XX/XXXX and spoke with XXXX who promised a supervisor would return my call. I then spoke to XXXX in the XXXX, AZ office who informed me that her supervisor XXXX would return my call within 2 business days. I called on XX/XX/XXXX to try and reach XXXX but I was told he was unavailable. It is now end of business on XX/XX/XXXX and to this date I have Never once received a call back and there is still no resolution. After all these contacts I am in shock that I have not gotten a courtesy call from a supervisor that I requested multiple times. 



Thank you, XXXX XXXX XXXX Sent from my 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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; 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 2018-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has improperly handled credit report blockage under FCRA 605B. All of my data has been compromised because of your company ( Equifax ) breach. The accounts showing up on my credit file should be block due to fraud. I have filed a report with FTC several months ago and submitted this information to your company to have this issue resolved. The other two major credit bureaus have removed all fraudulent accounts. Equifax is the only company that will not comply with FCRA regulations. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau must block the reporting of any information resulting from identity theft. 

I have attached Proof of Identity, residency, and FTC ID report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23
Company: EQUIFAX, INC.
State: OH
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:
I have some issues with my current information not being updated properly. First up my name is XXXX XXXX XXXX, please remove ANY and ALL variations of my name they are not correct. My Job is XXXX please remove any other employer they are not accurate. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have attached my ID and SS card As proof of my only address. please remove all other addresses they are not mine!! I have 3 unverified accounts that have not provided the necessary request documentation to prove ownership or DOLA, anything I dont even know where these account came from please delete the following accounts : XXXX XXXX BAL. {$590.00}, XXXXBAL. {$320.00}, XXXX XXXX BAL. {$250.00}, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I understand the FCRA 611 and 623 to state there is a protocol and compliance standard to address these issues.

Company response to consumer: Closed with explanation