BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
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: Information is missing that should be on the report

Complaint:
I am the victim of erroneous credit scoring by Equifax Credit Bureau and none of the options on this site refers to it as it refers to my student loan servicer, who is reporting correctly to the three credit bureaus. 
My student loans are listed as 9 different payments by my loan servicer on my credit reports. On XX/XX/2020, Equifax Credit Bureau lowered my credit score by 50 POINTS due to my student loan balance had DECREASED and the fact that my payments have been deferred due to the current ( natural disaster ) Covid-19 pandemic. It is my understanding that this should NOT affect my credit score during this time of natural disaster as a low credit score prevents me from receiving assistance during this time that depends me having a credit score of 620 or better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Navient Solutions, LLC.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TAG Financial Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have complained to this company several times, and they keep reporting this fraudulent debt on my credit report. It is identity theft plain and simple. My personal information was STOLEN from a car lot in XXXX, Georgia. The dealership was shut down by the city for an astronomical amount of criminal activity. XXXX XXXX XXXX XXXX and TAG Financial is very aware of my concern. However, they choose to put greed over the fairness of the consumers. They have used XXXX connotations to me a phone conversation stating, " You people do not ever pay your bills. '' Really? Why should I pay a fraudulent debt? I have reached out to XXXX. XXXX  XXXX, and the XXXX. It is very unfair, XXXX, and demeaning. I think this company should be fined and shut down.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-22
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XXXX I receive a notice that my escrow amount on my mortgage would be changing. In error, I reduced my XXXX payment amount in my auto bill pay to the new amount and this resulted in my payment being less than {$60.00} short ( it was {$59.00} and change ). The actual decrease in my mortgage amount was scheduled for XXXX not XXXX ( so I changed the payment amount one month early ). As such, Loancare received approximately 97 % of the payment. I received ZERO communication from Loancare and only found out about the short amount through credit monitoring when my credit score was penalized. I did not receive ANY communication from Loancare ( no email, auto phone notice, nothing ) to notify me of the issue prior to finding about the issue after reviewing my credit. The day I called them after seeing my credit report, I received a letter in the mail about the issue dated XX/XX/XXXX notifying me that my loan was 60 day past due! Even though it had only been 18 days since the payment date ( I received this on XX/XX/XXXX ). They did not try to communicate at all with me until after they had marked the payment as 30 days late which they knew would result in me being blocked from refinancing to a lower rate. They sent me a 60 days past due notice 18 days after receiving 97 % of the payment and I fully believe this company was aggressively trying to take my house over what was a {$59.00} administrative error, with NO COMMUNICATION prior to reporting to the credit bureau. 

I called Loancare on XX/XX/XXXX and made the payment whole on XX/XX/XXXX ( date payment actually went out from my bank account ). My monthly payment is due every month by the XXXX, but I was told that even though the payment is due by the XXXX that count the 30 days late from the XXXX of the month. Since the payment being short was obviously an administrative error, Loancare was willing to reverse the late charge they were trying to assess ( a late charge fee that was greater than the amount that my payment was short ), but they would not remove the 30 day late reporting against my credit despite agreeing that it was an administrative error and removing the late fee. I believe this is a predatory practice to try to fence me in from refinancing away from their company as rates have dropped.

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 2020-06-22
Company: DISCOVER BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited and check via mobile deposit for XXXX and was told that it would be available by the end of the day and it was not which cause my hardship I email and called twice and was told that I could not get any help there close of the day is XXXX and per there email communication it was end of business day not XXXX also there policy any under XXXX  will be available same day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PNC accounts can not be added to XXXX. It will not allow account info to be stored in the wallet, per PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On Wednesday, XX/XX/XXXX, at XXXX I contacted Midland Funding LLC at XXXX XXXX XXXX XXXX regarding a collections account after discovering it on my credit report. Upon calling the creditor and attempting to pay the balance in full ( {$3000.00} ), I was informed that there was a judgement against me and that my balance could change either higher or lower and that I needed to call back on Monday, XX/XX/2020. I said thank you and hung up. This surprised me, however, because I didn't know what they meant by judgement so I began XXXX  it and found it to mean that I was supposed to have been notified of a summons to appear being made against me. This never happened. I do not know where this hearing took place nor when it took place nor who I was even supposed to contact about it. 

I called back today, XX/XX/2020 at XXXX again attempting to settle my debt before being told that the balance still has not updated from the judgment and that I would need to call back Wednesday, XX/XX/2020. I am ceasing communication with the company in fear that my rights will be further infringed upon, and turning to you all in hopes that we can find a middle ground.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Some company by the name XXXX XXXX put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.

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 2018-03-15
Company: SIMM Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, my spouse was contacted regarding a personal account that I have in collections. My husband is not associated with this account in any way. He doesn't even know my SS #. The debt collector shared detailed information on this account- amount owed, purchases made, dates, etc. I spoke with them today and they have assured me that he will no longer be contacted. 

Can they do this because we are legally married and live in Texas? I complained to them and reminded them of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Medical Data Systems, 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:
I have contacted this company several times along with XXXX to have this account removed from my credit report. They ask me to contact XXXX to have the notations removed which I did. I have attached the letters provided to me that assured me that this would be removed from my credit report. It is not my responsibility to correct this issue but in still have been given the run around by both Medical Revenue Service and XXXX. It has been over a year going into two years and this is still on my credit report. This should not be a dispute at this point it should be removed.

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/2019 statement. XXXX CREDITS XXXX {$280.00} & {$200.00} ** USAA REVERSED BOTH CREDITS XXXX  JUST PAID ON XXXX/XXXX/2019.?? Note OTHER CREDITS ( summary account activity ) DID NOT APPLY FOR THAT PERIOD. XXXX TOTAL CREDITS FOR THIS PERIOD {$910.00}. XXXX NONE ARE USAA CREDITS. USAA HAS SUBTRATED ALL. USAA Temporary Adjustment Credits *CONFIRMING TOTAL CREDITS ONLY OF {$910.00} APPLIED XX/XX/2019 WERE MERCHANTS CREDITS. see transactions XX/XX/2019 {$280.00} & {$200.00} USAA REVERSED THE ONLY CREDITS APPLIED MADE BY XXXX. USAA DID NOT GIVE CREDIT TO TAKE. USAA SUBTRATED. ALL THEIR CREDITS ONLY APPLYING {$910.00}. USAA STEALS MERCHANTS CREDITS LEAVING CONSUMER WITH THE FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: WI
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:
In XX/XX/2021, I noticed that Experian was show showing inaccuracies regarding XXXX Acct. I asked Experian and XXXX XXXX XXXX to investigate and delete as it was reporting inaccurately. Experian fraudulently claimed " verified '' while XXXX stated they couldn't locate an account or dispute from Experian. 
I then asked for method of verification and Experian claimed XXXX. I immediately asked for a reinvestigation and sent copy of email from XXXX contradicting Experian. 
Instead of deleting the account, Experian 'updated " account showing more negative months than before. 
Then I once again asked XXXX to prove they were reporting correctly and to send me a copy of contract. I was ignored. Then I contacted XXXX who reports to Experian and was again ignored. Then I called XXXX and was told the account would be deleted in full. 
Experian refused to delete. I even sent proof that Experian was reporting the account completely different than XXXX, that XXXX deleted account entirely. Still Experian refused to delete account. 
Experian is in clear violation of my consumer rights and is violating the FCRA rules/guidelines. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.

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 2021-07-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In XX/XX/2021, I accepted a 7 day trial offer from MyEquifax.com. On the 7th day, I called Equifax and cancelled my trial offer. For the next couple of months, I kept seeing attempted charges of {$19.00} on my XXXX. I called Equifax to ask why are they trying to debit my card for {$19.00}? I have cancelled that trial membership. I was apologized to and assured they would not be taking the {$19.00}. On XX/XX/XXXX at XXXXXXXX XXXX, I received a notice from XXXX that {$39.00} was charged and completed. 

I've made 4 attempts to correct this issue. I've escalated this issue to XXXX who stated he's a supervisor on XX/XX/XXXX, and lastly with XXXX on XX/XX/XXXX, both identifying themselves as Supervisors. 

On XX/XX/XXXX, XXXX stated the refund is processing and could take 7 -14 days. On XX/XX/XXXX, XXXX stated " I will not be getting a refund. They had a system glitch and you were speaking with agents who simply did not know what they were talking about. '' Offering a resolution of products and services. I declined the resolution! The only resolution is my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wire {$1000.00} to a person with his current Phone number XXXX XXXX XXXX XXXX named XXXX XXXX. He saw the text sent by XXXX but he does not have an account with Bank of America nor used digital transaction. I asked the Bank of America and XXXX to reverse the money back to my account but refused saying it will take 10-45 business days to complete the transaction. The money came out of my XXXX  account ( XXXX XXXX XXXX XXXX, XXXX  ) and at present time I am closed due to pandemic COVI 19. No revenue coming in to the business. That long delay will course other obligations that I need to do be put aside causing me late fees. 

This the transaction details from the Business Bank of America site. 
XX/XX/2020 Completed Outgoing Transfer Business XXXX   Chk - XXXX XXXX  - mobile {$1000.00} Actions Transfer date : XX/XX/2020 Confirmation number : 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 2021-10-24
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I removed the option to be contacted/called by Navient but I still keep getting these on delayed payments. In addition to that, when I signed the loan agreement I was promised the cosigner on the loan was going to be removed after a certain period. It's been over 10yrs and this hasn't happened. Navient has been hard to deal with over the years since they don't even communicate the options available for the loan repayments and make it hard for me as a borrower to understand my loan, payments and such

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: CBC Companies, Inc.
State: WI
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:
In XX/XX/2021, I noticed that XXXX was show showing inaccuracies regarding XXXX Acct. I asked XXXX and XXXX XXXX XXXX to investigate and delete as it was reporting inaccurately. XXXX fraudulently claimed " verified '' while XXXX stated they couldn't locate an account or dispute from XXXX. 
I then asked for method of verification and XXXX claimed XXXX. I immediately asked for a reinvestigation and sent copy of email from XXXX contradicting XXXX. 
Instead of deleting the account, XXXX 'updated " account showing more negative months than before. 
Then I once again asked XXXX to prove they were reporting correctly and to send me a copy of contract. I was ignored. Then I contacted Innovis who reports to XXXX and was again ignored. Then I called XXXX and was told the account would be deleted in full. 
XXXX refused to delete. I even sent proof that XXXX was reporting the account completely different than XXXX, that XXXX deleted account entirely. Still XXXX refused to delete account. 
XXXX is in clear violation of my consumer rights and is violating the FCRA rules/guidelines. I demand that the account be deleted in full or to be compensated to the amount of {$1000.00}. I have been asking that this be resolved for the past 6 months, Per the FCRA I am entitled to monetary compensation for violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$5100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$1800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$13000.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$600.00}

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