BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit reporting agencies have turned into advertising agencies and are listening the retailers they serve and not the consumers. They have far to much power and abuse it. It is time our Congress reigned them in. 
Stupid me bought a XXXX thru a contractor at XXXX and realized when I arrived home and read the email it was not what was represented to me. I immediately called and cancelled all concerned. All set right? NO! Months later found my very good credit score took a 110 point dive in all three credit reporting companies. Found they did no investigation. I then called and asked it to be investigated. They chose to believe the the retailer and denied any correction. 

COMPANIES INVOLVED All three credit reporting companies and original Retailer called XXXX XXXX, XXXX XXXX XXXX, XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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:
On XX/XX/2020 I reached out to XXXX XXXX XXXX XXXX in regards to incorrect data listed on my credit report. I did a dispute and asked for proof that I wasnt behind and my correct balance. Because I made a complaint, they reported my payment as being late again despite a letter from their own branch XXXX stating I wasnt behind. I spoke with several people about this and I was told it would be handled, only for my credit report to get hit once again saying Im late when in fact I was not from their own mouths. The data is incorrect, the balance is incorrect and I believe I am being purposely attack because I made the initial complaint. They also investigated my account and found that I was being charged for XXXX when Ive had insurance the entire time Ive had the loan. They owe me a refund as well. No one is calling me back and Ive been transferred to several people several times only to get there is nothing they can do. I have proof they are doing this on purpose. My credit is my life and this bank has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was told that my application to refinance my car was only going to be sent to one company by XXXX and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called XXXX to check on my application because I had not been contacted. I was told by XXXX XXXX XXXX that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called XXXX on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank closed my account and for about 7 months they have failed to send me the check of my remaining balance of {$750.00} that they said was already on its way. They say it could take a couple months. 3 months go by and I contact them ask to speak to their supervisor for them to hang up on me repeatedly. I called over and over for them to hang up and not give me any names of who was working. Simply telling me there is no money owed to me and hanging up. This is astonishing that professionals would act this way, not to mention I have no idea why my account was closed in the first place. Then I got ahold of them recently for them to tell me I need to have every quickpay transaction verified. I told them ok how should I do that and they said have everyone you have done quick pay with call in. Well I see so many flaws in that how are they supposed to know whos calling in is really the person. How am I supposed to contact everyone I did quick pay with if I cant access my account to see all of the friend and family I have transfered money with? Well they weren't too sure either because I got hung up on when I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I was told that my application to refinance my car was only going to be sent to one company by XXXX and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called XXXX to check on my application because I had not been contacted. I was told by XXXX XXXX XXXX that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called XXXX on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was with Ditch, and Ditech went bankrupt. The loan was acquired by Shellpoint Mortgage Servicing. Shellpoint continues to make errors in our account. 
Money is paid into our escrow account each month. Out of those funds, Shellpoint pays the bill for our home insurance and flood insurance. Then, Shellpoint sends us letters saying that we don't have such insurance, and the company is going to purchase a policy and add that amount to our loan, thereby increasing the amount we must pay each month. Also, the taxes on our property have been officially deferred in XXXX XXXX, TX. Shellpoint acknowledged that they received documentation to verify this deferral. In spite of this, Shellpoint sent a payment of {$14000.00} to the XXXX XXXX XXXX XXXX. Now, Shellpoint sent an escrow analysis saying we are short that amount in escrow, and they are going to increase our monthly mortgage payment by more than {$2000.00} per month. We continually have to spend time calling Shellpoint, sending faxes to the company, having our insurance agent re-send verification of our policies, etc., in order to have Shellplont correct its many errors. This has become harassment. It has negatively affected our lives ... financially and emotionally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: PNC Bank N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been trying to link this account to several different money service apps I have. But have yet to be able to get any of them to connect up correctly. I need to go to the bank personally and see if I can get an account with checks. Ive been told that is what I have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX I received a call From my local county that if I was going to be home because I was going to say be served papers and I was like what's going on and I go out I don't know what's going on on my could know that's why I'm asking and they gave me a number to call which is XXXX they said I owed a debit collection from XXXX that they called XXXX XXXX and they were suing me for XXXX I was like what all I remember is I do XXXX XXXX XXXX in XX/XX/XXXX I was going through some things and I was couldn't afford it so he went to collections and all i owe is XXXX. This person 's name Lewis , McDonnell & associates Babe clean to be a law office in my file number is XXXX - TX - XXXX and I gave them a {$150.00} from my prepaid card to find out that when I looked up there address it was a ups store in XXXX XXXX ca and there is no such thing as Lewis, McDonnell hassociates. There is a XXXX XXXX in California because I emailed one of the workers and I sent them the paperwork and that they said that it didn't look right and they've never heard of Lewis McDonnell associates I also went as far as calling my county and I gave them the number and they said that I did need to worry about it because it was a scam and I also called my sheriff 's office and they told me it was a scam because I told him that they I docked me everything because Lewis mcdonnell and associate said that's how they do it. I even called them and asked where are they located in they'd said I do at at there's no need to worry about it because they were a legit company so every time I ask they never told me I also have the email they sent me 2 I doc just in case I need it for proof I want them to be stopped and I looked and I read that people have complainants on many red flags on them I would like them to stop harassing me

Company response to consumer: Untimely response
Consumer complaint received 2020-11-05
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection has placed a collection on my credit profiles claiming that I owe {$140.00} to the XXXX XXXX XXXX. I have never been to that medical facility in my life and I'm not familiar with it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Lawsuit and judgment filed against me for a defaulted credit card from Barclays Bank in XXXX XXXX Court Arizona. Owed amount is {$2500.00}. Police officer in XXXX served my girlfriend at the time I was not home 2x with the judgement which clearly violates the FDCPA. I have documentation to support. I want this debt cleared or I will counter sue for violations seeking {$1500.00} per violation as I am a careered XXXX XXXX and know all the laws of the FDCPA.

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 2019-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX XXXX opened XXXX XXXX {$1900.00} XXXX  XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXXyXXXX opened XX/XX/2010 {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
Credit Bureau Equifax, XXXX, and XXXX failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Navient Solutions, LLC.
State: CA
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 refinanced my home in order to pay Navient my 2 student loans ( Account # XXXX ). Wire was sent from XXXX XXXX XXXX XXXX after receiving instructions from one of their customer service representatives with the wire instructions to payoff my loan. The payment was sent on XXXX the XXXX, 2017. I called the following week because my loan still showed the full balance and they told me to call another day to see if it would post. I called the following day and they wanted me to call a week from then. I told them it was a wired and it should have cleared the account the prior week because the money was in the account they give me to payoff the loan. They told me they would investigate and for me to call the following week. I call this week and they told me the request was done wrong and that I would have to wait another week for the new request to be processed. All of this while my account is still accruing interest. When I expressed my concerned about the interest being accumulated they said sorry but there was nothing they could do about it. I have the documentation showing the wire was sent out to them on XX/XX/XXXX, but they are not helping me and all they say is sorry and to keep waiting. They did not refund the almost 42,000 back to the title company, they still have it in their account and they still have my student loans open. At this point I do not know what to longer do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, INC.
State: LA
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 been the victim of ID THEFT in the past and Equifax has removed and blocked several fraud accounts. All of a sudden within the past 60 days every single account is begin re reported and Equifax refuses to remove these fraud accounts. They keep saying they have been verified accurate!!! I have gotten letters from the fraudulent creditors confirming these accounts are fraud and that they have notified the credit agencies of these and told them to remove these accounts!! EQUIFAX still will not remove the fraud accounts!!! Once more they continue to say they belong to me!!! I have sent copies of the letters I received to EQUIFAX. Some accounts were removed and some remain!!! The following are Still fraud and need to be removed!!! 
1.XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: ENCORE CAPITAL GROUP 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:
Second Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A account that is more then 7 years old is still showing on 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 2019-09-26
Company: World Acceptance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft. Therefore I put a fraud alert on my credit. Every since Ive done it I have been getting denied for credit due to not being able to verify my identity. I applied for a company called XXXX they denied me for that reason after I answered 10 questions completely correct. I offered to send check stubs my social and my ID. They said that I am still a credit risk. The same with XXXX XXXX and Same XXXX  XXXX. Also I filed a XXXX XXXX XXXX compliant and they did nothing about it. Im having the same issue with XXXX  XXXX XXXX they sent me a letter saying that they would remove things that arent mine and that theyre not going to hold me responsible but they wont remove the information from they system for me to open an account. XXXX XXXX, XXXX and XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: MI
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:
Back on XX/XX/XXXX I filed a complaint against XXXX XXXX for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or XXXX XXXX has provided any information. 
It has been well over the 30 days since XXXX XXXX could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, XXXX XXXX is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and 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 explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Filed a dispute with TransUnion on XX/XX/2018. As of XX/XX/2018, dispute still under investigation. Contacted TransUnion on XX/XX/2018 regarding matter at phone XXXX. The rep. ( name unknown ) indicated that he would initiate a new dispute. No activity on the TransUnion website to indicate a dispute was initiated. Address for TransUnion is XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

I monitor my credit scores through XXXX XXXX & XXXX XXXX. The collection was paid in full to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX on XX/XX/2018. XXXX  has acknowledged the acct. paid in full per XXXX XXXX. 

XXXX XXXX messaged indicating acct. paid in full on XX/XX/2018.  XXXX XXXX XXXX has since reported account delinquent to TransUnion on XX/XX/2018.

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 2018-03-06
Company: EQUIFAX, INC.
State: GA
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:
Never Authorized credit inquires ( Not associated with an open account ) Identity Theft Victim!!!!

Company response to consumer: Closed with explanation