BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Alliant Capital Management LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
When I spoke with him on Tuesday, XX/XX/XXXX he was yelling at me telling me that I make good money and I was defaulting on this loan on purpose. I was willing to work with him, but he was so mean and even called me back on Tuesday after I told him I did not have the {$500.00} and informed me he would be contacting my husband to let him know what has transpired.. I never once received anything by regular mail, or email from XXXX or Alliant Capital only phone calls from this gentleman, the company phone number he left to return his call was XXXX XXXX XXXX, but the caller ID was a local number XXXX. I called him back later in the day on Tuesday and told him I was trying to get money out of another account to pay him the {$500.00} by the end of the week, which seemed to satisfy him. He said he would be calling me back by Friday to get an update. 
I googled Alliant Capital and there was information about scams related to this company, I contacted XXXX XXXX for a free case review, a XXXX XXXX instructed me not make any payments to them or give them any of my financial information and to file a complaint with the FTC, which directed me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX USC XXXX ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was denied credit by a consumer lending company for a purchase due to a freeze on my credit by Equifax. I tried to contact Equifax but there is no way to speak to anyone and there is no way to unfreeze a frozen credit account. There is only an automated phone system and when you direct it to send you to a person you go on hold for many hours and no one ever answers. It's diabolical. I never asked to have my credit frozen, and now there is no way to unfreeze it. There is no email to send an " unfreeze '' complaint. No one answers the phone at their customer service. There is NOTHING. This should be illegal! My credit is in the 800 's with all credit reporting agencies but I can't get credit because of this diabolical freeze at Equifax that they make it impossible to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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: Investigation took more than 30 days

Complaint:
I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. XXXX told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.

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 2022-03-05
Company: U.S. BANCORP
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:
US Bank continues to submit fraudulent information suggesting I had a credit card in my name opened with them. When pressed to provide me with the application, opening date and history, they were unable to do so. I explained to them that I work in the XXXX and have been since 2010. My personal information, including social security number was compromised and used in association with a fraudulent address/ XXXX XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX. I submitted police reports to support said fraud and misuse of my personal information. Still, this company has ignored all requests to stop all contact with me and remove the fraudulent accounts associated with name under the federal FCRA.

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 2022-03-05
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a 1099C against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX. 

I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe. 

In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone. 

I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX. 

They have refused to listen to me or address my request for proof of a debt that is over 25 years old. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX. 

I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes. 

I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form. 

Fraud forms sent to me are from Convergent Outsourcing , Inc showing creditor as 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 2018-01-22
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NAVIENT placed my student loans in " excessive debt forbearance '' without my request and without notification. They have agreed to update my account and put me back into the approved payment plan, but are refusing to update my credit report. I did not request a forbearance and received no notification via mail or email. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 opened up a dispute XX/XX/2022 concerning the Capital One account listed on my credit report. It is indeed my account. That was not the reason for the dispute. I disputed the item because I notice a violation of the FCRA exclusions section 15 USC 1681a 2 exclusions states that TRANSACTIONS and EXPERIENCES do NOT go on a consumer report. 
XXXX is responsible for reporting correct and accurate information and they are continuously reporting things that shouldnt be reported. I disputed and received a response today stating that the item was verified by the furnisher. Which doesnt give the furnisher nor XXXX the right to violation FEDERAL laws and at this point its WILLFUL NON COMPLIANCE of the law which is a {$1000.00} fine each time you keep reporting this. I am seeking a lawyer for representation in this matter as I will be suing if they dont comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: WV
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 has XXXX XXXX on my credit as four different accounts and I only had one account with them and it should have been removed off my credit, I have contacted them several times and they refuse to remove the fake accounts and even try to charge me, its got to the point its extortion and even gets smart about it, please contact them and tell them to remove the extra accounts and quit trying to extort money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There was a XXXX XXXX card opened some years ago. I called XXXX XXXX directly about the alleged amount of {$420.00} which Portfolio recovery is reporting. XXXX XXXX stated that it is four three or four body sprays. If we do the math, their body sprays are always ( around ) 3 for {$25.00}! There is no way that it should be legal for a company to charge any one Almost {$400.00} in interest and fees! I have requested for the original contract, information on how this account was opened, and an itemized list of the fees associated to be mailed to me. This letter was sent via certified mail. I have the receipt and copy of the letter sent. I received a reply with none of the requested information that would legally validate the account and also break down these outrageous fees. Per my rights I am requesting that this account is deleted since the creditor has failed to validate as requested, and also due to the fact that it is also illegal to accrue so much interest for just {$25.00} ( give or take a little ). Account # XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Home Loan Center, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I saw an advertisement for refinance a mortgage at 2.75 % and 2.82 % apr on XXXX. It had the number to call and when I called the number it said it was a XXXX number. The lady asked me what I needed and I told her about the ad and said that it was too good to be true. She said that it was a real rate from one of her partner companies and transferred me to XXXX XXXX  and the operator there said that it was not a real rate and tried to upsell me. I called XXXX XXXX  and told them that it is advertising false rates and the gentleman said he would pass it along. Even today thir XXXX and popup ads are advertising the same false rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: GreenSky, LLC
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:
NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX, SINCE I HAVE BEEN A VICTIM OF N IDENTITY THEFT, BUT FOR SOME REASON XXXX   REFUSES TO HELP ME IN RESOLVING THIS ISSUE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Two weeks ago I spoke with a collections representative from Ally financial in regards to a partial payment that came back returned. I advised that the payment was denied by my mother 's bank for suspicious activity. I was then told that as long as the partial payment of {$190.00} was paid my XX/XX/19 then the account would be in good standings. I advised that I would make my payment online on that day. Last week, I received another call from the collections department in regards to my loan. I repeated the same information to this representative that I stated to the last. Making them aware that I will keep my promise to pay by Monday XX/XX/2019. Again stating that the payment would be made online. Today I attempted to go online to make my payment only to find that my account information is no longer available and I am unable to make my payment as I had previously promised. I called in and spoke with 5 different representatives. The first two representatives hung up on me because they became frustrated and was unable to answer my questions. The 3rd representative transferred my over the online team which then transferred me back to customer service where I spoke to a 4th representative. Which then attempted to assist me and then the line was disconnected again. I called back and requested for a supervisor. I was then connected to a front line manager named XXXX ID # XXXX. I was told that I do not have access to the online and can't make payment for 6 months due the reverse payment. I attempted to make a payment via a 3rd party vendors which is a payment options that is available to me to make payment with a lower fee, however this option via XXXX and also via XXXX XXXX. Both are considered to be an acceptable payment option for this company. However, I have been blocked from making payment via the 3rd party vendors by Ally financial which they have on their website as payment options that can be done online or over the phone. The only option that I was given was the more expensive option of XXXX. XXXX and XXXX XXXX offer a fee of less than {$5.00} to submit a payment to Ally financial online. XXXX charges {$20.00} processing fee to send funds to Ally Auto. So currently I have not access to view my account details, statements, previous payments, nor do I have access to view my account in order to make the payment and ensure that it's applied to the correct account. I was told my XXXX that my account will be escalated and someone will get back with me in 24 hours. My account will be reported to the credit bureau tomorrow, which will cause a negative score on my credit as Ally Auto will report my account being passed due for 30 days due to this partial payment. This is unacceptable!

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 2022-03-05
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:
At this time, This company has not provided any factual proof or validation pertaining to my factual consumer complaints. not only that but has been reporting inaccurate information ALL WITHOUT MY CONSENT. They have not provided the correct title instead has fraudulently obtained by creating 2 attaching my name to a false debt.. At this time XXXX has an open court case with the CEO. In response to the credit reporting it must cease and desist. They are reporting an address they had no consent to report and is wrong, They did NOT HAVE PERMISSIBLE PURPOSE and NO VALIDATION FOR THAT FACT ALONE. Overall it is a question of why TWO CA TITLES were made. All contracts on my end have been canceled and rescinded and by certified mail, fax, and thought the e portal. It is clear of the fraud and deceptive practices this company continues to injury my life with. A federal claim is pending. The CA TITLE this company is trying to attach a debt to is not for the correct title. They tried to cover their fraud.

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