BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Jefferson Capital to get this taken care. This was the number I called. ( XXXX ) When I called and gave them the last 4 digits of my SS. They tried twice. They said they cant speak to me because social is not correct. I tried to explain that this bill doesnt come up on my credit report. It comes up {$0.00}. They refused to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
We disputed accounts that XXXX XXXX is reporting on a credit report for inaccuracy. They are reporting that I obtained services XX/XX/2019 which is not true. This same medical account was reported by another collection agency last year and it was removed for the same reason not sure why it's on here again. I disputed it through XXXX  and Equifax and without any proof of documentation from the collection agency they continue to report on the account despite the inaccuracies. I have since spoken directly to XXXX XXXX to a manager named XXXX which said they would be removing the account for inaccuracy and that it should be updated by XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX {$820.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$100.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow 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 again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: OK
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:
It has been a battle going through this, and I am submitting this CFPB Complaint to request the deletion of the following fraudulent information from my credit file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges or open the accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records, and certainly not the alleged information showing on my credit report. Therefore, I request that you immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605B. I need the deletion of the following items completely from my Credit File : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These items were never authorized by me nor anyone on my behalf. Also, I would like to point out that I have been asking the Credit Reporting Agencies a copy of documents they found during their " investigation '' to prove that they have legal basis for their reporting and the Credit bureaus have been failing to provide these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
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:
I filed Consumer Financial Protection Bureau Complaint # XXXX. The complaints stated " See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady at XXXX XXXX 's President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX  XXXX will, as usual, label this complaint as a duplicate. I am relying upon XXXX  and Transunion to answer this complaint. '' I received the following reply today from XXXX  " According to our records, the disputed item does not appear on your personal credit report at this time '' This is incorrect since XXXX XXXX XXXX XXXX is still on 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 2023-10-17
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
New company servicing my federal student loan. My loan repayment was {$360.00}, starting this month. AidVantage kept emailing stating I could lower my payment through a loan simulator. This is also on their website. LOWER amount! SAVE money! I filled out the online application to LOWER not RAISE my monthly payments. My payment rose to {$440.00}. Who in the HECK would increase their monthly payment!? This is a scam, and they are getting over on folks ( XXXX, others having this SAME problem ). I should have been given the opportunity to ACCEPT the higher payment, but they knew I wouldn't. I demand they lower my payment back to what it was {$360.00}. I DID NOT agree to a higher payment. I've called twice ... on hold XXXX XXXX minutes. The reps do not have a clue as to what is going on and did help at ALL. They BOTH hung up on me. I asked to speak to manager both times. They would not allow it. I don't even believe they are in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Synovus Bank
State: NC
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:
First Progess was sent a letter of dispute via XXXX on XX/XX/2023. 
After review of my credit reports, First Progress has not marked any account as disputed as required by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
Equifax was hacked in XXXX 2017 and waited for 5 weeks to let those affected know they were at risk. I am now susceptible to credit fraud because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/, I was received an alert from XXXX about a new inquiry created in name and I did not recognize it or gave authorisation to it, I could see a contact information about Capital One Bank, so I called to report it as a fraud, in the past I got robed and lost all my personal virtual informations via my phone, I lost also my Debit and Credit card, the thief got me out in XXXX account and my Bank account, so recently he tried to use my identity to create a credit card on my name, so I reported this situation to XXXX XXXX XXXX, they advise me to report it to FTC in order to move out the inquiry because it can affect my credit, so I'm here to claim your help about saving my credit please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Experian, its United States affiliates ( collectively, Experian, we, us, our ). 
I the consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Experian services or websites. 

Experian has 15 days to permanently to delete and remove the following personal data from my consumer report and credit file. 

Experian is not authorized to collect, use, sell, use and share the following personal data : XXXX XXXX NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XXXX XXXX XXXX PaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX Experian must provide free copies of my consumer report, consumer disclosure and credit file reflecting updates in accordance with consumers instructions. 

Any authorized use of consumers personal data will not be tolerated. 

By sending Experian this notice consumer does not waive any rights to take action against Experian for any past or future violations of the law.

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 2023-09-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom It May Concern : It has been brought to my attention that { CHASE } has listed { negative listing } on my XXXX XXXX file. To my knowledge, I have never had account with { CHASE } therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { CHASE } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { CHASE } be permanently removed from my XXXX XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions 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:
I was denied credit which prompted me to check my credit report and when I did I noticed that Experian had reported 2 different social security numbers on my file and that I had negative accounts on my file as well. This obviously had been the cause for my denial for credit. So I contacted the Credit bureaus that I had noticed the 2 different social security accounts which means that the integrity of my information and put in question the accounts that were opened with this incorrect social security number. More specifically I advised them that the XXXX XXXX account and the associated collections accounts that were on my file were inaccurate and requested that they remove such information from my file. XXXX  removed it all and put it all back, on top of that they added the address of one of the collection agencies to my file as it it were my own address. I have request that the addresses be removed but they refuse to comply. As matter of fact, they keep update=ing the items at their will and keep saying that the confirmed that the accounts are mine. How can they confirm this there 2 different social security on my accounts, how can they confirm t his when the address to which the accounts are opened doesn't match my address, how can they confirm this when they are allowing incorrect addresses and incorrect social security accounts to appear on my file? Do the credit bureaus realize the severity of their actions? do they realize that they have done something that is detrimental to my credit file? they must remove these items and correct their own inadequate reporting at once.

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 2023-09-27
Company: Paypal Holdings, Inc
State: CA
Product: Credit 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:
Placed and order with XXXX through PAYPAL on XX/XX/XXXX  for {$210.00}. I cancelled the order within 10 minutes realizing the item was counterfeit and order cancelled confirmation received from PAYPAL. The item was delivered after few days and I was billed. When contacted PAYPAL for return label I was informed seller agree to refund and no refund was made. I am unable to communicate with PAYPAL Messages are sent through message center an no response. 

After cancelling the order why did the shipment arrived? Attached are the documents confirm that cancellation of shipment on time and PAYPAL confirming seller agreed to refund the money.. 

As no response from PAYPAL I dispute the amount with the credit card company and PAYPAL is holding me to have the dispute close favor of me to refund which PAY PAL has no authority to demand for credit card resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This is now my EIGHTH ( 8TH ) COMPLAINT about the Bank of America refusing to grant us a reduction in our monthly car loan payment to {$500.00} from {$770.00}.

Yet the Bank of America as you notified me today is late in its response! There is absolutely no excuse for this! The Bank of America should be heavily fined! 

I was told by Mr. XXXX of the XXXX, New Jersey branch that the Bank of America orally will permit us to pay {$500.00} but that it will not put this in writing! 

I am an attorney-at-law ( ret ). Agreements of this kind to be enforceable must be in writing. 

The Bank of America is being dishonest! 

And it even threatened to take us to court and to repossess our car despite our dozens of emails, letters, and telephone calls, including several letters to the President of the Bank of America in XXXX, North Carolina who has not had the courtesy or decency to answer us! A rude dude!

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 monetary relief
Consumer complaint received 2018-02-20
Company: United Military Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
An Appraisal payment was made XXXX to ( XXXX ) XXXX XXXX UT XXXX to refinance my residence. Have contacted XXXX NMLS # XXXX - ( C ) XXXX XXXX XXXX or XXXX XXXX XXXX and requested to provide the Loan Estimate numerous times to no avail. 

I am requesting a total refund for the refinancing process. The refinancing of my property should have been completed in less then 3 weeks hence, it is taking more than 8 months since the appraisal payment.

I have in sofar received any documents regarding the refinancing process.

Note, the refinancing of my property commenced in New York and apparently is now conducted in the State of Utah.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CASHNET MADE A FRADULENT LOAN IN MY NAME IN XX/XX/2023, CHARGED THE LOAN OFF, THEN SENT TO COLLECTIONS WITH CONSUMER ADJUSTMENT COMPANY. I DIDN'T KNOW THIS FRADULENT LOAN EXISTED, UNTIL I CHECKED MY CREDIT REPORT. I DISPUTED ACCT THRU XXXX IN XX/XX/2023, AND RECEIVED FEEDBACK THAT ACCT IS ALLEGEDLY VALID. I HAVE NEVER APPLIED FOR, OR EVER RECEIVED ANY FUNDS FROM CASHNET. CASHNET REFUSED TO EXPLAIN OR DISCLOSE CREDIBLE PROOF THAT THE {$2600.00} BOGUS LOAN IS MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: OH
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 have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation