BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I changed my legal name - first, middle, and last names- in XX/XX/XXXX. In XX/XX/XXXX, I found that none of the three credit reporting agencies had updated my name. Equifax and XXXX both had a credit report under my old name and XXXX had a report under my current name but no part of my credit history. See attached PDFs of how the three reports appears in early XXXX. 

I requested guidance from the law firm that had assisted me with getting the court order for the name change, and at their advice sent each credit reporting agency a letter, accompanied by a copy of the court order, requesting them to change my name. 

In XX/XX/XXXX, I checked on my credit reports again. I found that XXXX had updated my credit report to include my credit history, but the other two basically gave me error messages : see attached PNG screenshots. I printed, completed, and mailed the Annual Credit Report Request Form for Equifax, which you can see linked to on the screenshot. And I mailed XXXX at the address they listed to request my annual credit report. This was in XXXX, and I haven't received anything from them yet. 

I requested advice from the law firm again and they've suggested submitting disputes to Equifax and XXXX, and a complaint to the Consumer Financial Protection Bureau. 

Equifax and XXXX 's dispute forms allow for disputing incorrect personal information, but nothing for someone with a problem like mine. As I understand it, the agencies can handle changes to last name only smoothly enough, but any first name changes are a struggle for them. I gather that my situation isn't unique but their dispute forms don't make it possible to call attention to their inability to update their own records. It's not clear what my next step should be in getting Equifax and XXXX to update their records, beyond this submitting a complaint here. 

I changed my legal name two years ago, and since then I have put quite a number of hours into updating the credit reporting agencies. Given the necessity of a credit score for certain things - like renting a place to live - it's unacceptable that the agencies can't reliably update their own records on their own, and that they make it so difficult to address this issue. 

Please let me know if any additional information would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Nelnet, 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 status incorrect

Complaint:
I am submitting a complaint about my student loan .I have received letters informing me that NELNET is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. Nelnet send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company is placing false information on my credit that is false I have reported to them and the credit bureau that the information is wrong. 

CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX, TN XXXX Stated date XXXX XXXX, 2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX XXXX contacted my place of employment to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXX # XXXX ( appearing three times ), XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX. According to 15 USC 1681b ( 2 ) A 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 am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. 

Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.

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 2017-07-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I 'm seeing a hard inquiry by Cbna on my credit report, never saw it before but it appears now on my report from XXXX saying its from XXXX 2016 I never requested anything from this company I 'm almost sure it 's a ID theft issue please provide me some help as I ca n't go thru XXXX, I 've tried but for some reason it does n't let me go thru. Thanks

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 2017-07-28
Company: Experian Information Solutions 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 have 2 account showing on my Experian credit report that should not be on it. The first is an fraudulent account that was settled with the XXXX and written off. XXXX agreed to remove account. I sent proper documentation to all 3 credit beuros, the other 2 deleted the accounts but Experian refuses to delete or investigate account. Just keep stating that account is verified and refuses to send me info on who or what investigation took place and there documentation. The other account is a collection that should have never been sent to collection from medical from when I was hurt at work. Insurance and workers comp paid and reimbursed all bill, I sent documentation to Experian but they refuse to delete or reinvestigate.

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 2017-09-21
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in XX/XX/XXXX 2016 I applied for a refinance of my va loan and was told by XXXX XXXX a licensed lending officer with loan depot nmls # XXXX that I could refinance to a conventional loan and after six months I could go back and refinance to a va loan. once six months had pass I contacted XXXX XXXX to start the process back to refinance my home through the veterans administration and was told I needed to wait until my credit card debt came down so I could get a better rate. shortly after the conversation with XXXX XXXX I spoke with other leading companies in the mortgage refinance industry and was told that my loan officer ( XXXX XXXX ) had lied to me and in the state of texas once you had converted from a va loan and taken cash out you could not go back and refinance through va. as a XXXX veteran I can now no longer use the benefits that I made many sacrifices to earn. ie ... no access to va irrrl program ... no funding fee for XXXX veterans ... .financining up to 100 % ... .va loans are assumable ... .interest rates are typically.25-.75 less. I feel like this guy should have known better. I am currently paying a higher interest rate than what my va benefits would have provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I need to be a part of the class action lawsuit

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 2019-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I sent a wire to XXXX XXXX in XXXX TX who did not honor our agreement despite multiple attempts to fix the issue. 

Therefore, in XXXX, I disputed the item with JP Morgan Chase. They issued a temporary credit and I thought that was the end of it because I doubted XXXX would rectify it through them either. 

However, Chase is now refusing to honor the chargeback because despite using a debit card, I had wired the money. Their ridiculous claim is that since XXXX XXXX processed the money, it was against them and that it was verified. I specifically advised that the money was a payment for a service not rendered. They don't care about that. I would appreciate someone remind the bank that it is a chargeback for services not rendered and therefore, my chargeback should not be reversed and that they should fight with XXXX XXXX where XXXX has his fraudulent assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: AMCOL Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just gained access to my credit report and noticed that Amcol Systems has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their are XXXX collections on my account that i never knew anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my property in XXXX XXXX for {$290000.00} and was financed through XXXX XXXX XXXX XXXX. Within 2 months the loan was sold to Chase Home Mortgage.My initial Mortgage was {$1800.00}. This amount quickly doubled within 2 years First it was {$2200.00} and then {$3600.00}, but when it got to {$4200.00}, i contacted a broker who worked with Chase to get my mortgage reduced and my interest rate peg at 5.35 % for the life of the loan.After this I noticed my principal balance started increasing and I contacted Chase about this in XXXX and XXXX. I was told that they ( Chase will look into it. On my last review I noticed that my principal balance has ballooned to {$340000.00}. I called back to Chase in XXXX XXXX and I have been in constant communication with them since. The contact man is XXXX XXXX who told me in XXXX XXXX that an issue was discovered and it was a mistake made by Chase.He said and amount of {$88000.00} will be deducted from my Balance and a check for 20 % of tat amount will be issued to me which will be reported to the IRS as an income to me. On XXXX XXXX, XXXX I received 5 letters from Chase and they want me to have a 6.45 % interest rate as against 5.35 % that I had before and an increase of {$980.00} in mortgage payment to begin XXXX/XXXX/XXXX just 5 days away. Everything was just unfair to me. I did not make a mistake, they did.i had not asked for a refinance so why would my interest rate be adjusted to 6.45 %? The claimed that I had paid {$110000.00} to date so why is my reviewed principal balance now {$220000.00}. They have not issued me a check for the 20 % of the recalculated amount that was misapplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-01
Company: Navient Solutions, LLC.
State: NC
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:
I've never been able to make a single student loan payment. Their records show this. I've tried on multiple occasions to apply for income based repayment plans or loan forgiveness and have always been told I " make too much '' to qualify. However, they always extend the option of forbearance which is counter productive and adds more money to loans I already can't afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Again, ERC/Enhanced Recovery Corporation has ignored my demand to cease calling me and called again today, XXXX XXXX, XXXX, XXXX. I've told ERC in writing in XXXX and again during intercepted calls in XXXX that I DO NOT KNOW PERSON WHOM IT SEEKS ; TO CEASE CALLING ; AND REMOVE MY NUMBER IMMEDIATELY! 
I'd just made a similar complaint to CFPB yesterday, XX/XX/XXXX. Complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX x2 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2020-06-06
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: Account information incorrect

Complaint:
I disputed a late payment with all 3 credit bureaus. XXXX  updated the late payment info to say positive no late payments. However, Transuinon and XXXX  did not. I asked XXXX  and transunion how they verified this information and with whom, but I have not been sucessfull in my attemps. High credit should also reflect XXXX last payment should say XX/XX/2020

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 2019-04-30
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to check my credit report on XX/XX/2017 and found a couple items on my report that I was not aware of that was in collections from a company XXXX FUNDING LLC in the amount of XXXX and XXXX. I have sent in multiple letters to this company and even placed a police report with my local department. I also have made a complaint via this platform which should show on file of my previous letters sent to the company. They have not provided me with the proper information to verify this alleged debt. They continue to report negative only on my XXXX credit report. Included is the letter I have sent them along with a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: National Collection Systems, Inc.
State: CO
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:
A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX XXXX  and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX and the hit to my credit was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: LJ Ross Associates
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
L J Ross Associates, Inc at address XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$340.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company disputes the facts presented in the complaint
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:
To Whom It May Concern, On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my third request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax continues to inaccurately show a " Social Security # Variation '' on my Credit File. I have been trying in vain for years to have this issue permanently resolved to no avail. After the latest round that took months Equifax finally took the " Social Security # Variation '' off my Credit Report of XX/XX/XXXX Confirmation # XXXX. However, when I obtained my latest Credit File XX/XX/XXXX Confirmation # XXXX I see that Equifax started reporting a " Social Security # Variation '' on XX/XX/XXXX! Only one month later! What is wrong with these people! 

I was born with one SS # and unfortunately will probably die with Equifax saying I have two.  Utterly ridiculous!

Company response to consumer: Closed with non-monetary relief