BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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:
XXXX XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Reason : THIS IS INACCURATE Account Name : XXXX, XXXX Account Number : XXXX DATE : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX, NH XXXX XXXX Reason : THIS IS INACCURATE Date Filed : XX/XX/XXXX Account name : XXXX  Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX phone : XXXX Reason : THIS IS INACCURATE Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, ia XXXX phone : XXXX Reason : THIS IS INACCURATE INQUIRY NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with NAVIENT. For some reason, I realized that there were late payments on my credit report. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 

NAVIENT XXXX XX/XX/XXXX {$4700.00} ; NAVIENT XXXX XX/XX/XXXX {$6500.00} ; NAVIENT XXXX XX/XX/XXXX {$2700.00} ; NAVIENT XXXX XX/XX/XXXX {$1700.00} ; NAVIENT XXXX XX/XX/XXXX {$10000.00} ; NAVIENT XXXX XX/XX/XXXX {$10000.00} ; NAVIENT XXXX XX/XX/XXXX {$3000.00} ; NAVIENT XXXX XX/XX/XXXX {$7100.00} ; NAVIENT XXXX XX/XX/XXXX {$2900.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acct # XXXX XXXX XXXX Hospital Date of Service : XX/XX/XXXX Amount : {$640.00} In XX/XX/XXXX, XXXX XXXX Hospital incorrectly billed a previous insurer, XXXX XXXX XXXX XXXX XXXX At the time, my coverage was through XXXX XXXX XXXX XXXX XXXX ( proof attached ), who fully covered this expense as can be seen from our XXXX XXXX XXXX in XX/XX/XXXX ( also attached ).  After multiple phone calls to the XXXX accounting department in XX/XX/XXXX, I was assured that the error was corrected. 
In XX/XX/XXXX, I received an invoice for {$640.00} from a collections agency. I have requested multiple times on calls to the agency for the bill and proof of the charge and have received none. I have called XXXX XXXX Hospital and received no proof of the bill. 

The collecting agency, RMP Services, has called me at work after my requests to cease and/or provide proof of the debt. On the last call, they threatened to take legal action, which is was proved by the letter from your law office. 

I would like XXXX to reconcile their accounts and remove this accounting error, and clear my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been getting calls every single week from the Capital One Bank to accurate if it is me applying for a new credit card. An important data : I closed my account in XXXX  in the XXXX XXXX  XXXX location. I have never requested anymore service to Capital One Bank. Their website phone is fake because as soon your call is picked up the customer transfers you to a supposed credit customer which take all of your information and amuse you in a long conversation like to get important data from you. It is curious the two times as I called, one in XXXX  services I identified the customer had a XXXX  accent and she confirmed it also and in XXXX, the customer had an XXXX or XXXX accent. I called them in XXXX, in XXXX to complaint but that not worked. I noticed in that conversation with the supposed customer assistant, I asked about which address was being used for that issue, and she told me one of my old and former addresses and I remember when I was still living at that address I used my another bank credit card -not capital one - to buy a XXXX XXXX  to take the subway at the XXXX XXXX station in XXXX and I was notified at XXXX  for my bank because someone else was buying online and getting store members and paying restaurant on behalf of me. That was a damage to my credit which was showing their fake and delinquent acts like I did when was not. 
By certain, yesterday and today I was called from a Capital One Bank customer service phone # XXXX It was blocked by me but they call me again, she left a voice message that I should to complete my application # XXXX or call them back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX apartments collected payments from me and then sent my account to collections to National Credit Systems. I informed National Credit Systems that I already paid this account. They never verified this account wasn't paid and they illegally reported it to the credit bureaus. National Credit Systems is harassing me and calling me non-stop at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have had an open coinbase support ticket for over a week ( Case # XXXX  ). I have an entire transcript of the issue as well. I withdrew cryptocurrency ( ethereum ) from my wallet - and a glitch in their system has yet to send it to the blockchain. Support has been entirely unhelpful, as they ignored the problem many times stating that the transaction was sent. I sent 4 transactions for the same amount ( .XXXX  ethereum ) and 3 were successfully sent. The support team keeps telling me they were sent referencing the 3 successful transactions. Four days ago, they acknowledged the unsuccessful transaction ( finally ), have said they are working on a fix, but have not provided one nor any timeframe in which theyll have a solution. Because of this, my account has had .XXXX  ethereum removed from it, which is being held by Coinbase since they have yet to send the transaction to my original withdrawal address or credit back my account because of their own internal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint about this company with the CFPB about incorrect reporting practices for stating I was late on my payment on XXXX and XXXX. I am now being retaliated against. On this day XX/XX/XXXX this agency changed my payment status from XXXX  from current to late. This was not on my previous credit report as late I was current on my payment for this month and now since I filed several reports about this company they are continuously finding ways to defame my character through my credit report. There is no reason why 10months later a payment should go from current to late under any circumstances. They are continuously retaliating against me for making a report and standing up for the law and whats right. The refuse to make my XXXX payment current instead they marked it as closed. Then they turn around and went back ten months and made a payment that was on my payment history as Current and reported it as late I will Attach these documents proving they changed a payment that was current too late which affected my credit score. As a consumer I should not be retaliated against for making a report with the CFPB. If after this report nothing else should change on my credit report from this company as if and account is Closed with no balance they should not still Be reporting. Nothing else should be reported except from them changing my XXXX payment back to current as it was from the past 10months. They are using this as a form of pay back and retaliation for being reported and if this continues I will file a lawsuit law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-06
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: Esser, James & Associates
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Me and my father-in-law both have been harassed by phone by Esser James and Associates daily for 6 months. Esser James and Associates were looking for a woman named XXXX XXXX, who we have never heard of, and has never lived in our home. We contacted the Attorney General to make the calls stop, but instead of stopping, they moved on to calling my and my father-in-law 's personal cell phones. The calls stopped on my end when I let my prepaid cell phone run out. They have been relentless on my father-in-law 's phone, however. I 've been looking for solutions to make these people stop harassing my family looking for a person who does n't exist in my home, and who we do n't know, but have been unable to find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me XXXX  and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2021-03-01
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received bill from Army & Air Force Exchange Service for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their XXXX XXXX, XXXX XXXX XXXX ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by Army & Air Force Exhange Service. No judgements, no notification prior to were given. 

Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to Army & Air Force Exchange Service. 

Called XXXX XXXX XXXX XXXX ( using number listed on IRS notification ) XX/XX/XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}. 

XXXX XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ). 

XXXX XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement. 

They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.

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 2023-09-11
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm an XXXXXXXX XXXX at XXXX University in the city of XXXX XXXX and have deposited a check of {$1900.00} on XX/XX/2021 with Santander Bank. The bank has immediately blocked my account. Upon calling customer service, I was informed that they have temporarily locked my account till the the time that the check clears and asked me to wait for a maximum of 5 days. 

The check has no elements of fraud and has been sent to me from XXXX as my paycheck. After duly waiting for the stipulated time, I contacted the bank again but they refused to open my account. The bank has confirmed that the cheque has cleared and there is no problem with it. Despite this and no other reason from the bank, my account remains closed and I am unable to make a single transaction. 

I have called customer service 14 times, visited the local branch on XXXX XXXX, XXXX XXXX 3 times but account remained blocked for close to 15 days. Each time the bank manager or representative asked me wait for 2 more days and have not been transparent about why my account has been blocked. Even after waiting, no resolution has been taken. I have filed customer complaints with Santander and have raised 6 escalating mails with the concerned analyst in the fraud department but have received no help from them. 

The bank has pained me to extent that is unimaginable as I have had difficulty getting food during this period. I request immediate help and a severe punitive action against them.

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 2020-01-24
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
Item was bought on XX/XX/XXXX with a merchant costing {$570.00}. Merchant never contacted me about item. I had to reach out and contact the merchant after 1 week, merchant noted delays. A week later additional delays. I requested a cancellation of order due to delays. Merchant would not refund charge to credit card. I filed a dispute with Apple Card. Case was opened by Apple Card. Temporary refund was giving. Case was ruled in Merchants favor as of XX/XX/XXXX, given that I never received the item and wanted to cancel before shipment and delays of item. Now I have a charge {$570.00} for an item I do not want or never received months later.

In addition, since being Apple Card, when my transaction ran they gave me an Apple Cash of {$5.00}, once the dispute ran Apple deduct this amount directly from my Checking Account, which was not authorized. I would like the {$5.00} Apple Cash credit since this was a transaction, if I am not ruled in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Trans Union Re : Dispute of Inaccurate Late Payment Entry - 15 U.S. Code 1681a Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report, which I believe is inaccurate and should be removed and updated to paid as agreed, never late in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. This late payment entry is adversely affecting my credit profile, and I am seeking its correction as mandated by federal law. 

Below are the details of the disputed late payment : Creditor Name : Trans Union Date of Late Payment : XX/XX/XXXX Amount of Late Payment : XXXX I contend that this late payment entry is erroneous for the following reasons : Incorrect Reporting : The late payment reported on XX/XX/XXXX for with [ XXXX XXXX XXXX ] is factually incorrect. According to my records, I made a timely payment for this account, and there should not be any late payment recorded. This discrepancy goes against the FCRA, which obligates credit reporting agencies to ensure the accuracy of information. 
Supporting Documentation : To substantiate my dispute, I have enclosed copies of relevant documentation, including bank statements and payment receipts, which clearly demonstrate that I made the payment on time. These documents should serve as compelling evidence that the reported late payment is inaccurate. 
I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions, including 15 U.S. Code 1681i. Please correct any inaccuracies found during your investigation and provide me with a revised copy of my credit report once these corrections have been made. I emphasize the importance of a swift resolution, given the potential adverse impact on my creditworthiness. 

Enclosed Copies of payment receipts for with [ XXXX XXXX ] I anticipate your prompt attention to this matter and adherence to the federal laws governing credit reporting. 

Thank you for your assistance in resolving this dispute promptly and accurately. 

Sincerely, XXXX XXXX Please ensure you enclose the necessary documents and modify the letter to include any specific details relevant to your situation before sending it to the credit bureau.

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