BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
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:
I have sent multiple letters to Equifax I have called them multiple times Im now filing a complaint today I spoke with an agent at Equifax who yelled put me on hold for over an hour came back on the line and said goodbye and hung up. I found my identity theft report and it is terrible to be victimized by identity thieves and then again by Equifax. I sent Equifax my proof of identity including state ID Social Security card bank statements and utility bills they are also aware of identity theft report they continue to write me saying they can not find a file on these which is not true as I have a copy of my Equifax report. None of the documents I sent Equifax contain my middle name nor did any documents have my middle initial but when Equifax sends me bogus letters saying they cant find my file they always include my full name including my middle name if they cant find my file how do they have my middle name I feel like this company Equifax is not honest and they do not care about the consumers I have the right to an accurate credit report free of errors due to no actions of my own. It has been over 45 days and Equifax refuses to acknowledge their error. There is an item on my credit report that shows a charge off account the creditor is listed as XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX I have never authorized an account with XXXX XXXX XXXX I have never been in the military there is another era that is listed as XXXX XXXX and shows an original predator as XXXX XXXX XXXX the same applies here I have never had any financial dealings authorizations or use of XXXX XXXX the XXXX XXXX account shows That it was opened in XX/XX/XXXX the XXXX XXXX XXXX shows opened XX/XX/XXXX Equifax is getting paid by these financial institution and it seems as though they work for them and do not care who they harm were their erroneous entries. I have not authorized in anyway any of these accounts and I feel like Im just a number to Equifax and they are damaging me causing me to be denied lower interest rates or financing because of my in accurate Equifax report please help in this situation contact Equifax. 
Respectfully

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Received a phone call from XXXX ( XXXX ) XXXX about renewing my income driven repayment plan with XXXX, which I have not done so forXX/XX/2018 so this made sense I would receive such a phone call. I called the number back, they asked how much debt I had, income, dependents, family size etc, with no verification, correspondence in the mail, or any such preliminary warning of renewal. I was then asked to remit payment of roughly {$270.00} at the time of the phone call in order be placed into the new plan. Red flag number 1, my income has nearly doubled in the past year, and they want to cut my payment in half? Ok ... .Next red flag was when I asked for a letter explaining the program and its features and cost of interest etc to be mailed to my home, they said nothing is done via mail and I also can not remit the payment via XX/XX/XXXX, it had to be over the phone and that they are not associated with XX/XX/XXXX. A third red flag, no introduction or name of the representative helping me. I work at a bank, federally regulated, in the Compliance department, we see scams all the time ... .When I explained I thought this was a scam, the " representative '' told me I should have said that 10 minutes prior, and not wasted both peoples time. I haven't been spoken to so rudely by any financial representative in the past, sounded like an upset scammer who got duped!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: LEXISNEXIS
State: IL
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 submitted a public record investigation request to LexisNexis XX/XX//18. I received these very vague responses attached, more than 30 days later. Additionally, they exceeded 30-day response requirements as per the FCRA. In my correspondence, I requested the Method of Verification which LexisNexis did not give in clear violation of FCRA. 

LexisNexis claimed to contact the bankruptcy court. I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

The item in question is as follows : US BKPT CT IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Bread Financial Holdings, Inc.
State: FL
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:
There's a credit inquiry on my record by a company name XXXX on the date of XX/XX/2017 I have never had an account with this company neither do I know who place this inquiry. 
I contacted the credit bureau XXXX  and told them to remove this inquiry and they're refusing to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My issue is with American Express and their Serve Prepaid Debit card. Had the card for over 5 years, was using it regularly, had a portion of my pay direct deposited to it each pay period for 5 years. tried to log in one day approximately 5 weeks ago, was told the card had been suspended due to potential fraudulent activity. I said ok, could you please tell me what the fraud was about, as I never did anything illegal or against terms with the card, and more importantly, was I going to get my remaining balance, approximately {$220.00}, back. Was told they could n't provide any information regardign the " fraud '', and that it would take several weeks to resolvle, and that I 'd receive my funds once the investigation was complete. Called again a couple weeks later, same story. During that time I the portion of my pay, {$1200.00}, that normally went to the card from my pay went to some limbo, was able to get it back from my employer, but did n't get until 10 days later than I normally do. Was recommended by an attorney friend to contact CFPB office regarding this matter, as it 's been almost six weeks now and have n't heard anything else from them, and havent ' received my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I filed a claim XXXX for {$310.00}. This claim was promised by manager XXXX on XX/XX/2021 to be returned to my account but it has not happened. This transaction is causing me a hardship as the funds had me in a negative balance status. I requested that the call be pulled and the promise for that final credit to be credited to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: TN
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 have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( XXXX XXXX  XXXX XXXX  XXXX XXXX At XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
I have received multiple calls from Portfolio Recovery even though I told them to stop calling this number. Since I have told them to stop they have called me at least five times and the latest was a few minutes ago ( XX/XX/20 XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX  account doesn't match other credit reports. Asked for investigation and it has taken longer than 30 days to provide original documents proving debt or anything owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
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: Their investigation did not fix an error on your report

Complaint:
According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by TransUnion, XXXX and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted TransUnion, XXXX, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.

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 2018-05-09
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know who these people are. The phone number that calls me incessantly is : XXXX. They are calling about a debt owed by XXXX XXXX. I told them I wanted the phone calls to stop and they said " we are a business maam. ''. '' Meaning they are going to keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX continues to furnish an unauthorized inquiry on my credit report dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Municipal Collections of America Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX from XXXX XXXX XXXX XXXX ( XXXX ) XXXX  IL XXXX   called me on XXXX2018 claiming there was a parking ticket for an address I haven't lived at for years.

I told him I never received a parking ticket, and he told me he was reporting me as refusal to pay and hung up. I called back hoping to get some proof of the debt but he refused and hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Federal Financial Services Inc
State: NC
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:
I live in XXXX But i moved to XXXX in XXXX. In XXXX my car was reposessed. The car was towed and i was told i would be notified of the auction of the car and how much i would ow. I never got a call or anything by mail about my car. Federal Financial Service stated that i needed to get in touch with the towing company in XXXX. I did and they said they will send me the information about where my car was auctioned off. They never did and XXXX  reached out several times with no response. I filed a police report in XXXX for stolen car because the financial service nor the tow company told me they knew where the car was or who bought it. The tow company said they sent the financial company certified letters about where to get car before it was auctioned but financial service say they never got it. This is fraud. The car dealership was closed down due to some criminal activity and the financial company closed in my city. I have made them aware for yrs that i habe not had the car yet they continue reporting the full amount on my credit of XXXX withoit knowing where the car is or who has it i asked them to change the status from charge off to settle or just delete. They refuse to do anything. This is a huge hinderance to me as i am a single parent of XXXX kids. After this step I will sue the finance company because they have not provided any proof i should still owe this car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 between XXXX I deposited XXXX in the bank, filed a case with the bank twice and they are telling me that only found XXXX which makes me furious because I told them to review their cameras and look again the bank stated that they are not going to give me back my money .Also the bank charged me XXXX for calling with out my permission they took it out of my account.They need to shut down BB & T bank it is very awful and too much issues .My goal is to get my money back because I am XXXX and I am very independent and I take care of myself and I pay over XXXX in bills every month and when money is missing its a problem.So please look into this because I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i've tried numerous times with navient to pay student loans. I have been unemployed a few times over the years, and when I have made minimal money, Navient has claimed they would help me as a pay as I go or Repaye, however, because my wife and I file jointly, we " make '' enough money to be able to pay the rates, however when they say {$500.00} per month, that is absurd and nearly impossible with a house payment, car payments, living expenses, card payments and to take care of two daughters, one which has special needs, and the other is an infant. When I have said I can not pay it, they have put it on deferment or forbearance, however I apparently have used all the time for both options, so I have no alternatives but to pay minimal {$100.00} every other month or so until I have a steady source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Critical Resolution Mediation LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a voicemail on XX/XX/2018 in which the person calling didn't identify herself or the company she worked for. She also didn't say who she was trying to reach. The phone number is from XXXX XXXX, XXXX also got a call from XXXX I called back and the woman was immediately rude and told me if I didn't pay right at that moment she was filing a court case against me for fraud. She claimed to be calling from Critical Resolution Mediation. Unfortunately for me, I fell for their scam and provided credit card information to pay off the so-called debt. The charge on my credit card was not one charge, but it was broken up into three smaller charges that added up to the total. Critical Resolution Mediation is supposedly located in XXXX, GA, but when my credit card was charged it was processed by XXXX XXXX, XXXX in XXXX North Carolina   XXXX. I can find nothing to prove this is a real business. 
On XX/XX/18 I received a voicemail from XXXX in XXXX, TX. It was the same woman reading the same exact script. Again she didn't identify herself or the company and made the same threats that if I didn't call them back immediately " further action will be taken ... '' I have saved both of the voicemails I have received to date and can provide them if needed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: PENTAGON FEDERAL CREDIT UNION
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: Card was charged for something you did not purchase with the card

Complaint:
Federal law limits consumers liability for unauthorized transactions on their credit card accounts. However, PenFed imposes a 60 day period for consumers to report unauthorized transactions on their VISA credit card. 

After asking PenFed to explain the procedure for disputing unauthorized charges on my account, I received a message from them ( see attached " Message 1 ... '' file ) containing the following sentence : " You have 60 days from the time your credit statement cycles to dispute the transaction in question. '' When asking for clarification in response to that message " Thank you for detailed instructions. I have one question about the 60 days requirement for the time frame to dispute unauthorized charges on my credit card account. Your company and VISA advertise {$0.00} liability for the unauthorized uses of the VISA card and it is not clear to me where o you disclose the 60 days limitation '', I received a response from PenFed highlighting among other things the following statement in their disclosure " You must contact us. *Within 60 days after the error appeared on your statement ''. 

While PenFed never mentions in their disclose that the 60 day limitation applies to the unauthorized charges ( PenFed uses the term " error '' ), my question to PenFed to which it responded was very specific and mentioned unauthorized charges. 

I would like CFPB to review the documentation and assess whether PenFed 's requirement to customers to agree with the words of the attached disclosure ( see the highlighted statement of " Message 2 attachment ... '' file ) and PenFed 's email communication implying that the highlighted statement pertains to unauthorized charges on consumer 's credit card account is compliant with the Federal law limiting consumer 's liability for unauthorized transactions on their credit card accounts.

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 2018-06-29
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Tcf app not showing the same info as what is being charged in OD fees. Pending transactions will not show up but being charged for them. Tcf has refused to reverse these OD fees upon request. TCF also is charging double fees on returned items one nsf fee and one returned item fee causing a XXXX dollar charge!!! I have been charged hundreds of dollars in OD fees since XX/XX/XXXX. I would like a reversal of these fees. Pending debit card transactions are already deducted at time of purchase from your available balance. I should not be charged up to 5 OD fees a day for one OD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
I RECENTLY CONTACTED PORTFOLIO RECOVERY ASSOCIATES ALSO KNOWN AS XXXX XXXX. I ADVISED THEM THAT THE INFORMATION WAS INCORRECT AND OFFERED TO RESOLVE THE ACCOUNTS. THE INCORRECT INFORMATION CONTINUES TO SHOW ON MY CREDIT REPORT DAMAGING MY REPUTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hey what the XXXX? i received your letter about you closing my complaint but why the XXXX would you do that?? who else would be complaining about my own disputes besides me? hey please take action, I have been waiting for almost 2 months now and the inaccurate items are still on my report! please get those negative items deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Union Home Mortgage Corp
State: FL
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:
Unauthorized Credit Companies running my credit.

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