BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Im refinancing my home. The lender sent federal loan estimates with lender credit. The title fees ended up being less expensive and now they trying to decrease the lender credit by a proportional amount. From what Ive read this is a TRID violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX  : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX  : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I have a hard inquiry from sycn/sam XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX, on 7XX/XX/XXXX I have 2 hard inquiries One from XXXX XXXXXXXX and one from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.

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 2017-12-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My Direct Federal Student loans were transferred to Navient a few years ago which also services old XXXX XXXX ( XXXX XXXX ) through XXXX XXXX. Navient has lumped ALL my Federal and Private loans together and I can not distinguish what I owe/my payments are for my Federal Loans only. I am unable to file for a forebearance or income based payment plan from their website as it only states that I am past due and can not apply for income based repayment plan or lower my payments ( I am past due on my Private Loans which is preventing me from handling my Federal Loans ). Their website first displays any outstanding private loans first and makes it inaccessible to access my Federal Loans until I deal with my private loans first ( which I have disputed amounts with XXXX XXXX XXXX. 

I have requested through the Dept of Education about getting my Federal Loans transferred to another servicer because it is apparent that Navient only wants to collect on the XXXX XXXX loans and is basically trying to make me default on my Federal Loans by not allowing me to change my payment plan or defer my loans. It would seem that Navient has a huge conflict of interest when people hold private loans through XXXX XXXX as well as Federal Direct Loans that were transferred to them since their first priority is to XXXX XXXX and not to the Federal Gov. It would not surprise me if Navient receives some sort of kickback from the Federal Gov for getting people to default on their Federal Loans. All I want is for my Federal Loans to be transferred to a new servicer - once that does not have a conflict of interest with my private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I installed the app XXXX  on my phone deposited {$14.00} and some change and have yet to be able to use the card I've provided the document that they asked for in an email which was my ID now they're saying they won't debit card number that was linked to the account which I've never even touched the account to use it and it shouldn't matter if I send my ID I should be able to access my money and I'll talk to these people several times I don't have no money my husband is sick he's got XXXX XXXX XXXXXXXX you name it and I need my money I think they were wrong to do this I think they should be shut down completely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: SIMM Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company XXXX says I owe {$150.00} that I paid off months ago before it went into collections. The company agrees I paid off my debt but they haven't rectified my account going into collections. I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following companies as violated my consumer right by improperly using my credit, In Accordance with the FCRA section 611, I want all this inquiries to be removed as i do not recognize or authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my wallet on a cruise and I am in the process of buying a home and i got a copy of my credit report and notice items that was open due to identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/23 I received an unsolicited debit card from Capital One in the mail. I did not open this account. I called Capital One and they told me the checking account was opened on XX/XX/23 and they had my correct SSN, address, birth date, and email address. I have freezes on all of my credit agency accounts and was unaware that bank accounts are not subject to credit agency verification. Is there a way to flag my SSN so that no such accounts can be opened?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
At some point in early XXXX I contacted XXXX XXXX to inquire about a less costly home owners policy. The normal prerequisites were supplied and was rejected by me in an E-Mail dated XX/XX/2012. XXXX am. All action by XXXX showing my acceptance occurring on XXXX XXXX ( XX/XX/XXXX is a Sunday?? ) one day before my rejection E-Mail dated XX/XX/XXXX, which is attached. 

I did not sign or initial anything XX/XX/XXXX or at any other time. 

A premium for the this homeowners insurance was deducted from my escrow account by Specialized Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, CO. showing a payment dated XXXX, XXXX ( SUNDAY?? ) to XXXX XXXX for {$1400.00}. SLS knew I had another active policy with XXXX. 

Unknown by me, XXXX was continued and {$1800.00} was paid from my escrow on XX/XX/XXXX for renewal by S.L.S. I now have two HO policies, resulting in an large increase in escrow payments and therefore a large increase in my monthly payments. The XXXX payment shows this as occurring on XX/XX/2012 ( again this is Sunday XXXX which was one day ahead of XXXX receiving my rejection. 

The XXXX agent who handled this was XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX I am XXXX years old and my only income is Social Security, the increased payments push my monthly payments out of reach with the possibility of future foreclosure.

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 2018-10-02
Company: National Credit Adjusters, LLC
State: TX
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 never done business with National Credit Adjusters. I do not have a signed contract with National Credit Adjusters. I am not liable for this debt from XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX. On XX/XX/2018 I contacted National Credit Adjusters to validate the debt that they were claiming I owed. National Credit Adjusters sent a copy of another person 's files. When I pointed out their error they sent me a letter stating that they will validate my account and they still have not. This is my second request for National Credit Adjusters to provide me with an correct account validation. If an correct account validation can not be provided then National Credit Adjusters must remove their trade account from my credit reports at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: DISCOVER BANK
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraudulent credit cards opened in my name which needs to be removed from my credit file. I am still a XXXX XXXX soon and had no idea there were fraudulent credit cards opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Never opened account

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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, 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 angency can not furnish a account without my written instruction.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract with  Ability Recovery Service. I  have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX . I am not responsible for this debt with  Ability Recovery Service .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX  ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX BANK ( Finance ) XXXX XXXX XXXXXXXX NA ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( Bank 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 2023-03-14
Company: I.C. System, Inc.
State: TX
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 attempted to have them verify this debt due to me not having any knowledge of these bills prior to collection. They have not satisfied the validation of the debt to show it is in fact mine because I did not give my permission to sell my debt to a third party if it isn't fact my debt.

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 2019-08-02
Company: National Credit Adjusters, LLC
State: MO
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:
I have an account that I had in collections in XXXX, which was paid in full and closed. It was reported at that time by the collection company National accredit Adjusters as paid in full with a zero balance, and that was reflected on my credit reports. 

In XXXX of XXXX the account suddenly reappeared on my XXXX  report, displayed as Open. The account still shows as having a XXXX  balance and as paid in full, and reflects the date of my last payment, but for some reason the status is still Open in Collections, according to XXXX. I have disputed this problem at least five times now. 

I have tried calling XXXX  multiple times. I have been escalated to a supervisor, and then escalated to a manager. I have been lied to, been run around, and hung up on. I have contacted the Collection Agency and they verified that the account had been reported paid in full and closed for years, and have no idea why it has popped up in XXXX. 

I have had my physical XXXX Reports mailed to me to verify the account status is showing open still. 

I have received a letter from the original creditor AND the collections Agency verifying that the account should be shadowing as CLOSED and paid in full with a XXXX balance and both faxed and mailed all said documents to XXXX. 

XXXX  refuses to take the simple action to display the states of this item as closed. Thats all I want. Both XXXX  and XXXX have the account reflecting the correct status of closed and paid in full. How can XXXX refuse to change the status from open when they know it has been paid in full, shows as a XXXX  balance, and even have the date of my last payment?! 

The letter I have from the Collections Agency even uses the actual word, closed. 

Its infuriating. Im ready to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Professional Debt Mediation, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company 's registration with the state of South Carolina was forfeited in 2009.They are illegally pursuing me.

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 2017-06-29
Company: Experian Information Solutions Inc.
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:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made :  XXXX   XXXX   XXXX  - Account #  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 2023-09-14
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
During the cash app outage, my XXXX orders were cancelled but Cash App allowed the transactions to charge my account multiple times and force me into the negatives. I showed proof from door dash there was an error dated within the time frame of the outage. {$65.00} gone and cash app wants to harass me about a negative balance that was clearly their fault. They denied my dispute with no reason given and did not acknowledge the proof sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2023 I received 7 phone calls. From a debt collector informing me of a debt that they obtained. I then asked him to send me the original debt in the mail and we can go from there. The woman whom I spoke with who never told me her name said what is that going to do if I send it to you in the mail. Then she began to say how they're going to sue me. And then she hung up. On XX/XX/2023. I received this letter dated for the 7th with the due date of the XXXX of XXXX. With only the amount I owed and their company name on it. Stating pre- legal actions. So I called the number on the phone which is a different number from which they were calling me from the first time. They put me on hold for a long time and then said all the person handling your cases of the unavailable but how can I take a payment. Identifying them that I would like the original documents mailed to me as I stated once before and then they hung up. I never received anything in the mail or phone call until this month didn't even know they obtained the debt that they say I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Collins & Hilton Asset Group, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A sheriff 's deputy came by my house to serve a summons for XXXX XXXX XXXX. A debt has been sold to this company on an old debt. I was never notified by XXXX XXXX XXXX. A Summons was attempted to be served at my home

Company response to consumer: Closed with explanation