BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: Experian Information Solutions 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:
I had an old hospital bill on my credit report for {$660.00}. It was sold to a debt collector within a few months of the day I went to the hospital because I have never made any payments whatsoever. I have called the hospital & confirmed the date was XX/XX/XXXX. However the debt collector sold it to another debt collector called XXXX XXXX. This collector has purposely & illegally given inaccurate dates saying that the account is only a couple months old & that it was opened in XX/XX/XXXX so that it will be on my report for another 7 years from that date! I have filed an online dispute with experian & waited weeks & the results show nothing has changed after their investigation has been completed. Its still showing that I just opened the account! I have tried to call experian multiple times for 3 days with all the numbers I can possibly find. Theres no option for you to speak to someone on any line whatsoever. The automated system asks for your social & only gives you 2 options every time : buy a report or find out about some sort of fraud. Theres no option for disputes or anything else! I want this problem corrected as it does affect my credit badly!

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 2020-10-12
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Hello, Im currently a member of Freedom Debt Relief and have been a member for since XX/XX/2017. I was told that all my debt would be resolved in 5 years! 

I feel as though Im being scammed because I recently found out that over three years Ive deposited over {$4500.00} dollars to settle debts and only {$800.00} dollars of my debt has been paid off. Please help. 

They wont even give me a ledger to see where all my money has been going. They also gave me a number for XXXX to obtain my ledger but apparently their offices are officially closed due to covid and I cant get ahold of a representative. 

Ive been paying {$230.00} dollars a month for three years and only {$800.00} dollars of debt has been paid. This is absolute fraud. Please help. 

-XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NJ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
For the past few weeks, I have been contacted by Ace Cash via email to collect on a loan that I have not applied for. I 've attached their latest email to this complaint. I am also being constantly called at all times, presumably by this agency.The last email threatened legal action and was sent by XXXX XXXX XXXX, claiming to be a legal representative for Ace Cash. 

I am very concerned about this because they have access to my Social Security number and my home address. They may even have access to my phone number because I have been contacted via phone as well. I no longer pick up the phone when I do n't recognize the number for fear that this is Ace Cash. I do n't know this company nor have I ever reached out to them for their services. I have never applied for their products. 

I respectfully request the Consumer Financial Protection Bureau to initiate an investigation to determine who is behind this and to take whatever measures are necessary to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
RE : Santander BankWithout notice to me, Santander Bank closed my account XX/XX/XXXX and tookthe balance for themselves without sending me a check. It was only for {$.00}, but thisbank has a reputation for bad bad customer service and corruption. When I went to use the debit card to close out the acct, it was rejected. 

I want the monies refunded, immediatelyXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Great American Finance Co
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Original balance was {$1800.00}. After a few months, balance was sitting at {$4400.00}. Store and finance company were in cahoot. This all started in XX/XX/2015. and up to now they still run my credit for updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
the creditor agreed to remove my liability on this account on " XXXX. '' account : XXXX XXXX XXXX XXXX XXXX. why they do is playing with my credit, removed the collection from one credit report company and put it back in another. 
I call it and they do n't answer the phone or return your messages, same with the emails. 
hope they do better services to the customers and stop trying to collect money from closed accounts. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
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 belongs to someone else

Complaint:
Requested my annual credit report from all three major bureaus back in XX/XX/XXXX. However, when I received my report ( # XXXX ) from Equifax dated XX/XX/XXXX it had someone else 's SSN, DOB,  and different variation of my name and wrong middle initial. I called Equifax the same day and was told they did not see a problem. I again tried to submit a complaint and refute the information ; to which they said wasn't their fault and I would have to pay to be corrected. I called them months later on XX/XX/XXXX requesting an update to my complaint ; to which, again told nothing they can do about it even after submitting documents and having my credit report locked previously. The result of Equifax 's acknowledgment of data breach ; allowing me to see a partial credit report but unable to dispute anything. Transferred multiple times and departments without any resolution. I called Experian and XXXX who confirmed none of my information was incorrect but that Equifax had generated new alias in my name as result of their mistake. This is causing an issue verifying who I am with my bank and other institutions and possible employers who may use Equifax to furnish background and consumer credit information. I have attached documents that support my identity that Equifax has refused to acknowledge while the other two credit bureaus handled and accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a XXXX account showing up from XXXX XXXX XXXX. I have contacted XXXX and they do n't have any records of such balance. My equipment was returned. On further researching it looks like this company is fraudulently putting information on credit profiles. 
Please see the google reviews about this company. XXXXI would greatly appreciate if you could please help me clear my credit report. 
ThanksRegardsXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
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:
Received settlement check from Equifax. They misspelled my name and now they are saying they can not reissue a check that deadline has passed. The representative on the phone said they deadline was XX/XX/2018 but the agent who email me back said it was XX/XX/2018. But my check is dated XX/XX/2018. I'm confused as to how I was supposed to know my name would be spelled wrong and would be receiving my settlement check after the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: EQUIFAX, INC.
State: MA
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 hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX   has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XXXX  of XX/XX/XXXXthey would report all four student loans as an immediate 90-days late, then 120-days late for two months, then back to paid on time. Then once again starting in XXXX  of XX/XX/XXXXthey would report all loans as 90-days late, all the way up to 180-days late, then a paid on time rating. Now starting in XXXX  XX/XX/XXXX they once again report all loans as 90-days late up to 120-days late, then back to paid on time. At no time is there ever a 30-days late or 60-days late. XXXX XXXX XXXX is destroying my credit history, even though I make my payments on time every month. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, XXXX of Massachusetts next. I need my payment history fixed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: LOAN TO LEARN
State: AZ
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:
My wife XXXX XXXX has been dealing with Loan2Learn for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My wife and I had consolidated all of our student loans with XXXX XXXX in XXXX. The same year I entered XXXX XXXX XXXX. Each time I XXXX after XX/XX/XXXX, I submitted request for deferment on the loan and the XXXX XXXX and now Navient mishandled the paper work. We received confirmation twice that the military deferment was in place and several months later received notification that we were in default on the loans and that the only way to fix was to have the loan re-written. This situation went on for years and even came close to impacting my security clearance. Now I am retired from XXXX XXXX and work for the XXXX XXXX as a federal employee, we are trying to apply for forgivness and once again, Navient is tell us we are not eligible. I would like my account audited and try and get credit for the deferments we fully qualified for and try again to gain control of the student loans we have faithfully tried to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a hard inquiry from XXXX XXXX on XXXX XXXX 2014. I have been a customer of XXXX long time, at least 3 years, and I just moved to a new address and moved my services, and that does n't give them the right to make a hard inquiry on my credit report. I asked Equifax to investigate, and their response was : We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. Ifyou believe this was unauthorized, please contact the creditor. If you have additional questions about this item pleasecontact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX never gave permision to XXXX to place a hard inquiry, when I moved my services. I was not a new customer. 
I need the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had a dispute on my credit report for XXXX XXXX. This account was not valid since XXXX Loans was sold my mortgage by XXXX shortly after I filed for Chapter XXXX Bankruptcy. That Mortgage was transferred back to XXXX, I contacted XXXX Loans to verify this information before contacting the Credit Reporting Agencies and they agreed it should n't be on my report. Both XXXX XXXX and Equifax were reporting it as 120 days late but Equifax was showing a balance due. I filed a dispute with both Reporting Agencies, XXXX XXXX removed it from my report after a week. Equifax did NOT remove it, they left it on my report only removing the Balance Due. When I contacted Equifax regarding this mistake they proceeded to tell me I had to file another Dispute which would take another 30 days. I contacted XXXX Loans again and they confirmed again it should n't be on my report as the Mortgage was given back to XXXX. Equifax is also not updating their system regarding my credit scores, they show a vastly different amounts owed and score than what XXXX XXXX is reporting my credit scores. Equifax reports my credit score as XXXX yet XXXX XXXX shows it as XXXX with vastly different amounts of what I have opened and owed to my current creditors. This is preventing a XXXX veteran from purchasing a home for his family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Credit Protection Association, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The four request letters that has been sent to the following company has resulted in no success. All letters have been notarized and sent Certified Mail with copies of my ID and Social Security Card. In my letters I've demanded this company to send me documents showing that the accounts on my credit report belongs to me. Credit Protection Association is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. Also I have sent these letters in disputes to XXXX XXXX, beginning XX/XX/XXXX with the last letter being sent on XX/XX/XXXX. XXXX XXXX has sent me dispute result saying the account had been verified. However, I still have not been provided with a copy of any original documentations or a consumer contract with my signature on it.

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 2018-02-22
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re-financed our mortgage- notified company we were re-financing, had already been approved and that we would not be making our XX/XX/XXXX payment. Long story short, our new bank sent in PAY OFF check and it was received on XXXX XXXX and so we were reported 30 days past due because our payment was not made by XX/XX/XXXX. We have been 30 days late maybe once or twice several years ago during the 10 years we had our mortgage with this company. I have begged and pleaded with them to take this off ( credit report shows account closed, but that our payment is 30-59 days past due ). This dropped our credit score 20 POINTS AND I KNOW THEY COULD REMOVE IT IF THEY WERE A DECENT COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2017 I had my mortgage refinanced, and on that credit report, it shows the EXPERIAN reported serious delinquencies. I had to open an account with a credit card at Experian to view the report as neither XXXX  nor XXXX shows any such comments. The Experian report erroneously lists the comment of serious delinquency on my XXXX report. However, XXXX says that it is a data furnisher issue as they have no such derogatory comment on my report. The Experian report also shows my XXXX  score as XXXX pts less than Experian 's or XXXX XXXX 's, also incorrect. 

I have made NUMEROUS attempts to contact Experian to discus this as I am prevented from disputing online Experians data as erroneous as it is tied to an error in EXPERIANS data collection from XXXX. XXXX can not help because they never reported what Experian is reporting on their behalf. Unfortunately, even though you can reach customer service at both XXXX and XXXX, every single customer service number for Experian, goes to the same canned automated system for either Fraud Alerts or to order a Credit Report. NONE of them have any actual person or option to speak to someone to resolve the matter.

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 2019-01-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On the XXXX of XX/XX/XXXX, My bank account had a judgment Levy without my acknowledgment and notifications letters that were sent to an address I never lived at 6 hours from where I reside. First dispute. 2nd the money taken from my bank account was saved from workers compensation checks ( from XXXX ) code ccp 704.160 in the amount of {$3800.00} which left me with {$0.00} balance and unable to pay bills even let alone gas for vehicle. Midland funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX  a 3rd party collections agency ( XXXX  ) XXXX   When I asked about proofverification of debt and why I never received any mailed letters they responded that they were sent to a city I never lived and if I didn't receive them to do my own investigations with County where I reside. Indeed I did. I filed a claim of exemption XXXX XXXX and financial statement XXXX XXXX and physically delivered XX/XX/XXXX to XXXX which was 2 hours from where I reside due to time sensitive dates due to no verification letters. They have 15 days to contest by XX/XX/XXXX and I may have to face a judge if so. My complaints are as noted no verification letters of debt, judgment letter sent to wrong address and theft of my XXXX/workers compensation money in XXXX XXXX account. XXXX   sheriffs office XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX handled all the judgment paper wk and I live in XXXX  county 2 hours away. Can C.F.P.B please help in this time-sensitive matter and reach out to Midland funding and or XXXX. Sherriffs office. I could use the great service you offer to people such as myself. Filed exemption forms on XX/XX/XXXX. Midland has 15 days to contest so anything C.F.P.B can do in this time frame would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: General Motors Financial Company, 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:
I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XXXX of 2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX and GM Financal.

Company response to consumer: Closed with explanation