BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-26
Company: EQUIFAX, INC.
State: VA
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:
SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XX/XX/XXXX-XX/XX/XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XX/XX/XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The Debt Collector ( Name XXXX  ) called and pretended to be a Lawyer and send garnishments to Banks where I have no Account with They also threatened to garnish my Temporary total XXXX i receive from a XXXXXXXX XXXX XXXX  as my only Source of Income! This behavior is totally against the Law and they cause me a lot of additional Health issues And I want to press Charges against the Individual that called me plus the Collection Agency XXXX XXXX XXXX Rash Curtis and Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Shellpoint Partners, LLC
State: KS
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:
SHELLPOINT - XXXX is reporting an erroneous late on my credit file. I was not aware of this until I checked my credit report. I had called them because I was unaware of this late and never received a letter, notice, or phone call. When I called and paid I asked why they didn't notify me, they said they sent a notice to an address where I do not receive mail. 
They acknowledged that they made this mistake and did not charge me a late fee, they also said this wouldn't report on my credit file. This was a long time ago and it is still reporting on my credit file. I called again when I noticed the late being still being reported. Again, I was told this would be removed. Unfortunately this late notation is still reflecting on my credit file. I have been a customer for years and have never been late on this account. It is a shame that they are doing this to really good client of theirs. I am expecting that this late be removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have retained an attorney about this 5 year old DEBT. This is the 4th collection agency to contact me about this debt. This debt is highly disputed and i've proven I do not owe this already 3 times. I have sent this company a cease and desist letter. If anything is reported to my credit, I will take full legal action against both the XXXX XXXX and Phoenix Financial Services. I DISPUTE THE DEBT and DO NOT OWE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: WA
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:
XXXX  has not updated my report as requested. XXXX XXXX XXXX  is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX Midland began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX. to all bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report

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 2020-11-21
Company: EQUIFAX, INC.
State: GA
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 sent a letter to all three credit bureaus disputing the late payments on XXXX XXXX on XXXX XXXX, 2020. The credit bureaus are reporting different months I was late on all three credit reports which are inaccurate. I have never been late on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSWORLD SYSTEMS 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 information incorrect

Complaint:
Recently I have noticed an account on my credit report with UAS/UVIRGINI. This account has been paid and closed. It has a balance of {$0.00} but the status is now showing 120 past due. I recently disputed this account information and the account is showing delinquent as of XX/XX/2019. This information is inaccurate and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I 'm enrolled in the PSLF program and what I was told was an eligible loan. As it happens, a few years ago I was told the same thing and found out after the fact that the {$6000.00} in payments I made that year effectively went straight down the drain. Every time I re-enroll I get someone on the phone and ensure that I 'm in an eligible plan. I just got an email saying that the plan I 'm actively enrolled in is n't eligible for PSLF, again, despite the fact that once again I called to verify that it was eligible. How is this legal? How can they devise a system where only is in not clear to the user whether or not a particular plan is eligible because of their labyrinthine application process and vague terminology, but their own employees do n't even know the ins and outs? We 're talking potentially upwards of {$12000.00} from me alone that is essentially evaporating into space. HOW IS THIS LEGAL? I did everything right. If this was a private company they would have been sued into oblivion and forced to close. What can be done about this? It 's so blatant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, nor are these names and addresses listed on file. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing in today in regards to my account with Ally Financial Account # XXXX. Specifically I am writing in regards to the late reporting in XX/XX/2020 and XX/XX/2020. The lates occurred during the unprecedented times during Covid-19 which caused the lates to Occur. The Cares act was passed to assist consumers during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: AL
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:
In XX/XX/2021, I filed a dispute with Equifax about the unverified account : XXXX XXXX XXXX account # XXXX. I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Our credit card account was closed with no advance notice per a letter from JPMorgan Chase dated XX/XX/XXXX. We were told that the account was closed because Chase needed my SSN " to comply with federal law. '' I sent my SSN and other personal information to Chase three different times and the account is still locked. The first time I sent that information was by fax, and I do have copies showing the fax was received. What's more, Chase told me it would send me more than {$2400.00} in earned rewards money but failed to do so. Now, I can not even get a person on the phone to discuss this. Chase has never acknowledged receipt of my SSN and other personal info that it requested and has never told me why our account was locked. I have sent a letter about all this to a member of Chase 's senior management team. In summary, Chase locked my account and has not told me why and also told me it was sending me earned rewards money and has not done so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Today is XX/XX/2021. To Transunion and XXXX, your client XXXX  XXXX & XXXX XXXX XXXX XXXX has yet to answer ONE complaint out of more than 100 complaints. They simply list as duplicate eliminating any response from me and never supplying the request. You, as Credit Reporting Agencies, simply forward complaints to XXXX XXXX who you rely upon to verify for truth and accuracy. So truth and accuracy required by FCRA doesn't exist. After almost 4 years, I have yet to receive a copy of the valid permissible permission used to access my personal information that led to two fraudulent car purchases not to mention all the other damages when the theft received a copy of my credit report. XXXX XXXX doesn't want to admit because of liability and have made matters much worse like politicians do. Enough is Enough!!!!!!!!!!! Remove XXXX XXXX and XXXX XXXX XXXX XXXX from my report.

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 2022-01-05
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: Account information incorrect

Complaint:
I had an account with XXXX. Several years ago the card information was stolen and used for fraud. Account number XXXX I filled out the forms for fraud with XXXX and they agreed to remove the balance from my file and change the status to current. They have not done this. I have disputed this information with all three bureaus and it remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: AES/PHEAA
State: IN
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:
I sent an Affidavit Of Truth to Fed Loan Service certified Mail ( tracking # XXXX ) that was delivered and signed for on XX/XX/2021 It states facts including 15 USC 1681b ( a ) ( 2 ), which states that a any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 : In accordance with the written instructions of the consumer to whom it relates. 

I Never gave any consumer reporting agency or debt collector consent to furnish anything on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The debt collector, Navient, calls my co-borrower, my elderly father, 7-9 times a day and they do not call me, the primary account holder. 

They stated on a recorded line that they would call him or I first since we are both on the account. I told them to look back at their records. He has never paid my loan ever and they need to call me and try to reach me before calling and harassing him. He is elderly and XXXX and they are taking advantage of him. They threaten him when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: DC
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:
This complaint is in reference to the XXXX XXXX Account XXXX XXXX reflected on my credit report with Experian. I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediatedly deleted from my credit file.

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 2021-09-02
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has been repeatedly calling me while I am at work. I have asked them to stop calling me as I have talked with someone about the collection, but they have been continuously calling me at work. This is harassment and is interfering with my job performance and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This account was opened for XXXX care on XX/XX/XXXX. I had subsequent appointments but never received a bill until after XX/XX/XXXX with an attached late payment due. Immediately following with mass texts and mass calls from automated # 's. And furthermore, they sent the bill ( after 3 months ) to my daughters address which is 300 miles away and not the address that I gave them for billing. Obviously, if that wasn't my daughters address, I would have never received a bill and would be in serious arrears because of an error on their part. I called a # on the bill when my daughter sent it to me on XX/XX/XXXX ... XXXX, talked to a woman who told me that the text and calls are not from her company, but as soon as I hang up and think the problem is resolved, they are calling and texting again. Today i received more than 6 calls and 2 texts. This company says it is XXXX XXXX but does business as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I don't know if this constitutes a scam, but it sure seems like it. A few years ago Wells Fargo opened a new separate credit card for my wife when I only wanted another card for her which we requested when we opened the account ... That just made me mad because it could effect credit scores. Now.. today, XX/XX/2018 I went to the Wells Fargo branch in XXXX XXXX , AZ ( I have been a WF customer for about 8 years ) to send a wire transfer to my stock broker and  when asked for ID I presented my driver 's license ( w/photo ), my military post access card ( w/photo ), and my law enforcement badge and state issued AZ Ranger ID ( w/photo ). I was told they required my debit card ( which I have not activated and NEVER use ). I believe this requirement is just another WF scam to require people to use debit cards to collect more fees??? I am switching banks to a more reasonable and customer friendly bank. It just seems wrong.

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 2023-03-23
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I directly disputed whis collection with RMP Services on XXXX. There was two accounts, they removed the account for {$400.00} and asserted that the account for {$870.00} was accurate. 

They never responded to my letter and only removed an account and stated through my online dispute from XX/XX/XXXX that the account was verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/XXXX I called XXXX  to notify them that account ending in XXXX was not mine. It was a fraudulent. They did wanted to take my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have asked Synchrony Bank for your JCPENNEY to stop sending emails to my email address of XXXX for over a year and they refuse to stop sending this to me. This account belongs to someone that does not live in my home and I have no idea how they got my email address. This is an invasion of my privacy and her privacy as well. I know this lady from my son dating her daughter and she has no idea how to use a computer let alone my email address. I have sent them emails numerous times and I called them last month and got into an argument with them about my email address and her personal information being sent to me. I am tired of this happening and I wish they would stop it. If they don't stop I will seek legal action against them for the invasion of my privacy as well as hers. This person does not even live in the same house as me and they just need to do something now and not later. If you need a copy of the email I am receiving from them I will gladly attach one for you as I have quite a few of them saved in my legal folder on my computer and I believe I have a copy of the letter I have sent to them as well. Please get them to stop sending this to me and send it to the right person. 

Thank you, 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 non-monetary relief