BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I've disputed this XXXX XXXX XXXX, and XXXX/XXXX   account on my credit report several times. I even provided documentation and spoke to several representatives over the phone at equifax and XXXX. They refuse to investigate and fix the problem. They will not tell me how they investigated, who they spoke to, and how it was " verified ''. Pursuant to FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than15 days after receiving a requestfrom the consumer for that  description. in which both companies have failed to do. All they keep saying is " the furnisher said that it was accurate '' but, I submitted court documents along with my disputes which they refused to look at because some reason the complaint I previously filed is " 122 pages long ''. I even sent the documents separately through equifax and XXXX  upload system on their websites. They refuse to remove this charge off. I also notified each bureau Equifax and XXXX  that the file was charged off in XXXX so therefore it should not be reporting a charge of every month for the past 5 months since XXXX. My email notifies me every month that I have a " new missed payment ''. I've even pointed that inaccuracy out to their supervisors ( Equifax and XXXX ) and they refuse to remove the account. They  just keep putting the account back into dispute and telling me that its " verified ''. They are violating my rights and I am demanding something be done about this. They are not conducting " reasonable investigations '' or speaking to anyone and I dont feel that e-oscar is a sufficient way. I have also included a few other accounts that are being tampered with on their end which shows " 29 charge offs '' for XXXX account on my XXXX  report that is a charge off every month for 2 1/2 years. That was a duplicate account that popped up on XX/XX/XXXX out of nowhere so I spoke with a rep about the duplicate account. My score is completely damaged and can not heal from these mistakes. This is very inaccurate reporting from both equifax and XXXX. They are not investigating these disputes they are tampering with my credit file and I demand it be reasonably investigated or removed. That is a violation of my rights under section 616 and 617 of the fair credit reporting act. Equifax told me that, " they do not provide any documentation on how they investigate and that they only report what the creditor tells them to ''. That is also a violation under 616 and 617 of negligent noncompliance and willful noncompliance even though I provided them with court documents for my XXXX XXXX  XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company I.C System via certified mail to verify a debt that is showing on my credit report since XX/XX/2017. It has been 30 days and I have not received any information verifying this is debt is mine. It has however been deleted from 1 of 3 reports due to my dispute with credit bureau.

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 2018-03-28
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
bank cancel my payments to my credit card without a notiffication wich cause a hit on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AES/PHEAA
State: FL
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:
This complaint is about inaccurate payment counts for Public Service Student Loan Forgiveness. My payment count remains inaccurate after requesting and receiving a recount by FedLoan. My loan was consolidated in XXXX, enrollment status effective XX/XX/XXXX. I worked with XXXX  advisor to consolidate following this. Loans were originally serviced by XXXX XXXX before transfer to Fed Loan. Throughout repayment, I have always been in the IBR plan. I have had only 2 employers and I have certified both as eligible employment from XX/XX/XXXX-XX/XX/XXXX via submission/approval of ECF forms. I have always been enrolled in autodraft for my payments. Despite this, my counts are wrong. I asked for a recount in XXXX and, while they did increase the count, I believe it was still off by 19 or 20 payments. Now, as of my XX/XX/XXXX recert, I believe my count is still off by 12 or 13 payments. The source of error may be that Fed Loan is not applying the {$0.00} payments which I made during my first year of repayment, despite this being the amount due under my income based plan and despite being enrolled in AutoPay. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have an account on my credit report that has a balance of {$89.00} from XXXX  XXXX XXXX, XXXX XXXX. This account was closed on XX/XX/2020, because we moved from Puerto Rico. There are no late payments nor charge-off/collection to this account when there is no money owed to this company. I have tried to resolve this with the company multiple times.

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 2020-01-27
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America posted on their website ( which is still on there as of XX/XX/20 ) FALSE ADVERTISING!!! ON THE WEBSITE IT CLEARLY STATES XXXX points for new spirit card but are only giving XXXX rather that what shows on the website. They are aware of THEIR LIE to trick people into applying and saying we dont care they refuse to fix it AND ITS STILL ON THE WEBSITE. Give us our XXXX points you owe us. Liars doing whatever they can to make a sale. How embarrassing.

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 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2019, an inquiry was made by Capitol One and XXXX XXXX Dealer S that i did not authorize or recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: OLIPHANT FINANCIAL, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The first time I had ever heard of this company is when they sent a bill for me to pay 2 to 3 months ago. I immediately called the company to advise they had the wrong person and that I didnt owe the debt that it was fraud. I advised the company I dont even go by the name on the bill they sent to me and I never bought anything. The lady I spoke with said that they would not bother me again and send the account back to the company that hired them to send me the bill. 
Today I get a letter from this collection agency stating they purchased the account and they are trying to collect and harass me for a bill I know nothing of and that I know I dont owe. 
I do not owe this company anything and Ive advised them to cease and XXXX  harassing me and do not put anything on my credit report that I dont owe. The name is incorrect, I never signed any contract, i never purchased anything, and I know nothing about this company, Then the company is showing stuff in XXXX and XXXX but the first time ever sending me anything or I couldve disputed this back during those times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid 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:
I rented a car for a one way drive between XXXX and XXXX XXXX, MA. The car was rented on XX/XX/XXXX and returned on XX/XX/XXXX. Upon arriving at the XXXX XXXX XXXX, it was closed for COVID and there was no drop box. I called XXXX and asked what to do, I spoke to a representative about this, they told me to take pictures of the car and mail the keys to XXXXXXXX XXXX XXXX  XXXX XXXX, MA XXXX. I took multiple pictures of the closed office, lack of a drop box, car returned to the lot, license plate, etc. All were taken with an XXXX so there is a record that they were taken XX/XX/2020. 

On XX/XX/XXXX, I received a charge on my credit card for {$4600.00}. After multiple calls to XXXX, I found out they charged me for renting the car for 30 days ( returned XX/XX/XXXX ). I have the receipt, which shows that a total of 272 miles were put on the car - roughly the distance from XXXX to XXXX XXXX. After multiple calls and emails - including sending photos to support my claim - they repeatedly told me it would be " five to seven business days ''. After about a month, I finally told them my credit card bill was due in three days if it couldn't be resolved and I had no choice but to report it to my credit card company, Chase. At that point, XXXX informed me it was company policy to deal directly with the credit card company. 

I then reported it to Chase and described the situation, and they had me report it as a fraudulent charge. When the charge still appeared on my card a month later, I called them and was informed it was a 'dispute ' and not a 'fraud ' so I needed to resubmit it. I then received a letter, filled out a form, and submitted it on XX/XX/XXXX. I have all of this documented, and I'm sure they have record of at least four calls to receive an update on the status of the disputed charge. 

On XX/XX/2020 ( today ) I received a letter informing me that the " billing dispute '' was ruled in favor of the merchant with no explanation. When I called, the representative said that because it was originally reported as fraud and not a dispute ( even though it was eventually resubmitted as a dispute, and that I have documentation of resubmitting it as a dispute ), and there was nothing they could do about it. I then spoke to a supervisor who said the matter was closed and that I would need to pursue other avenues ; I was informed that there was no appeal process. I requested - repeatedly - that Chase connect me with someone who would look at the pictures I took of the car sitting in the lot, all of which were taken on an XXXX and therefore timestamped, but was told that was not company procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing LLC a subservicing by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX. 
This company owes me the escrow balance in the amount of XXXX. The loan was payed off and recorded as payed off on XX/XX/2020. Over seven months later they have yet released the balance of the escrow money. I have sent inquiries through their on line service with not even a substantive reply. I even ask my congressman to inquire on my behalf. Nothing no reply. The escrow balance is due to 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 2019-08-09
Company: BB&T CORPORATION
State: TN
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:
Noted on a recent copy of my credit report were late payments on an account I have with BB & T Bank   dating back to approximately 3 years. Knowing that something wasn't right, I called to request copies of past documents and was told they would be mailed to my home. A week passed and after not receiving anything by mail, I drove to my local BB & T branch. This time I was told documents would be mailed in 7 to 10 business days. Two weeks have passed and no documents. I looked back through my bank statements as far as allowed and Highlighted were my payments were made on time. According to my Credit reports, BB & T last updated this information in XXXX of XXXX, but more late payments are continuing to be reported through 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 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Good day, I have reached out to all the companies I will be listing within this submitted complaint. I have tried on multiple occasions to have these companies remove all the inquiries that I did not authorize. 

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 Capital One Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$320.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : Inaccurate Balance : Should be {$0.00} Past Due : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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: Billing dispute for services

Complaint:
I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an audit trail of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a number of personal items and accounts that does not belong to me and that are incorrect. I originally sent a letter about this when i found out on XX/XX/2021. It has been well over 30 days and i have not been updated. There are no updates and the credit bureaus do not help or give any helpful information at all. I dont like that the credit bureaus get to ignore consumer laws, this is really unfair.

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am in the process of trying to repair my credit. I lost my job in XXXX. Got very behind in XXXX. I've paid off many accounts. I sent Transunion documentaction that XXXX XXXX XXXX XXXX XXXX has updated an account ( unsecured personal loan ). I asked the information be updated. Instead they reported it delinquent and dropped my credit score 39pts. I tried to do a online dispute. Their system said they couldn't verify me. I called and was on hold for 40mins. I was told the file was being handled by a supervisor. Then transferred to supervisor. Was on hold another 1hr 20mins. I had to hand up due to work. I'm getting ready to purchase a house and trying to correct items on my report. I sent another letter.

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 2020-11-17
Company: EQUIFAX, INC.
State: MS
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:
From XXXX 2020, I filed a dispute with this credit bureaus about the inaccurately reported account : US BKPT CT MS XXXX. There are inconsistent reference numbers reporting on my credit report which is a violation of the FCRA. on XXXX  it says XXXX and on equifax and XXXX  it says XXXX. 
In over several months I have yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in these months. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Santander Consumer USA Holdings 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 asked Santander to validate this fraudulent loan. They responded with my name, address, and contract that I am disputing as well. I have attached the response here. Per 15 USC 1692g ( 3 ) ( 4 ) ( 5 ) Santander has not supplied. Furthermore, I disputed this account with an affidavit. Santander 's response was not an affidavit. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. See Croup v Finletter, 108 F. Santander has violated numerous 15 USC 1692 codes. They go by multiple names which is misleading.15 USC 1692e ( 2 ) ( A ) Also, all debts in contract are shown in the positive, which is very confusing. I have learned that the security interest that they speak of has already been paid for by me the consumer as the original creditor 15 USC 1601. They have violated 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mail. All of their mail has a logo on it, outside of the name and mailing address. 15 USC 1692h no payments made to the debt collector may be applied to any debt which is disputed by the consumer, and shall apply such payment in accordance with the consumer 's direction. I have asked Santander to pay me by check for the multiple violations, and payments made that I have disputed. Furthermore, they have violated 15 USC 1692j by furnishing their name on all documents as the original creditor. Including on my credit reports.

The affidavit of Truth was unrefuted so it stands as truth. Please remove this account from all credit bureaus and pay the invoice attached.

Company response to consumer: Closed with explanation