BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax did NOT protect consumer credit info ( Equifax data breach ). Their solution is to prevent actual owners of credit info from creating a new account to be able to access the credit info online. 
I tried creating an account at myequifax.com by providing ALL of the info needed to prove I am me. I got a message that my account could not be created -- I had to call. I was told there was a problem with creating my account and therefore I will NEVER, EVER be able to create an online account & I will ALWAYS ( UNTIL I DIE ) have to call or snail mail info to be able to manage credit freezes on MY OWN ACCOUNT. The person I spoke to would only tell me there was a problem and I would NEVER be able to find out or resolve ( EVEN IN WRITING ) so that I could create an online account. 
I was told that I will NOT even get a letter explaining what happened and how to fix the issue. They have ALL OF MY CREDIT INFO AND I CANT GIVE THEM ENOUGH OF IT TO PROVE I AM ME!!!! 
Having to call to manage credit freezes ( when Equifax is the bureau that did NOT protect MY credit info ) is incredibly tedious & painful ( a long intro message followed by one-by-one ~4-5 menu prompts for info entry, then entering a code texted to the phone # I provided in one of the prompts. Then a wait for a live person, then MORE questions to verify I am me. 
One of there questions was what is the minimum payment of one of your credit cards. I don't know because I pay the ENTIRE balance EVERY month. That answer was not good enough -- I had to log into my CC account to find the minimum payment ( that I NEVER, EVER USE ). 
The person I spoke to said my unfrozen account would automatically be re-frozen at the end of my requested period. But, since they didn't protect my info in the first place ( data breach ), how can I trust them????? -- I would have to call AGAIN ( and go thru the ENTIRE question / prompts ) to verify the freeze status. 
Remember -- it is Equifax who was EXTREMELY LAX at protecting MY account info -- now it is EXTREMELY DIFFICULT to handle MY OWN info!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Yes apparently there is a bank of america credit card in my name. It has like 2000 limit. It shows on my credit score. I never got this card and looks like the person missing payments. Which is affect my score. I have no idea what card it is. I try to call the bank of america check on this card no avail. Cuz i don't have the account info or the person email or address. This card should be mine Do you not check people out>? Never got anything on this credit card.

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 2019-10-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my account with Conns on XXXX/XXXX/2019 in the amount of {$170.00}. On XXXX/XXXX/2919 I started receiving collection calls from the company. I made the agent aware I paid off my account online. They called me again on XXXX/XXXX/2019 stating Im a delinquent customer and I need to make a payment now. I informed that agent I paid off my account. They said I see that let me get this account closed out. They called me on XXXX/XXXX/2019 stating my account was past due. I told them the same thing. They said the issues would be escalated. At that point I asked for my payment history. I got another phone call on XXXX/XXXX/2019 stating my loan was delinquent and I was approaching 30 day delinquency. I made another payment if XXXX so my credit would not be negatively impacted. I requested my loan history again but Ive yet to receive it. I paid Conns in full {$5200.00} I was financed at {$3800.00}. I have been treated unfairly and I believe they have over collected on my loan. I asked several times to speak with complaint department but was declined that right. I sent an email to the XXXX XXXX XXXX and Ive yet to get a response. I have been treated unfairly and I want a refund of the full amount I paid this company. ( {$5200.00} ) Im a single mom trying to take care of my family. Conns has stressed me out about this situation. I have to been late from my breaks and lunches at work because Ive been placed on hold and given the run around about my payments and how they have been applied. I have spent countless hours on the phone with them. To get no solution. To date no representative from their company has made me feel like a valuable customer. Im trying to buy a house for me and my children and Im dishes out money to a company that can not tell me where my money is going. They owe me for pain and suffering. Ive been so upset about this matter. In XXXX my principal balance was XXXX. Then they increased my balance after I made another payment in XXXX. I have attached my credit report to show my payment history and my balance in XXXX verses XXXX 2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Firstsource Business Process Services, LLC
State: NC
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:
I did not authorize this. I have no knowledge of this debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: WA
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 had a freeze put on my Equifax credit report and I've been trying to take the freeze off so I could open a bank account with XXXX  XXXX XXXX. 
They put my application through " the bank '' about eight or nine times and it still wasn't unfrozen. I unfroze it online like they asked me to do ( the people at Equifax ) and it still didn't work. 
I'm just wondering why I can't get them to unfreeze my credit report so the bank can look at my credit and give me a new account. This is very frustrating to me personally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
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: Information belongs to someone else

Complaint:
These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 4 new inquiries with TransUnion that I dont know anything about. I was notified by email on my XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Kriya Capital, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Early XXXX, I terminated my phone contract with XXXX, and switch to XXXX. A month after the split I received a call about the remainder balance around {$300.00}. which I charged it to a CC. On XX/XX/XXXX  received another bill from XXXX saying there's another charge for {$310.00}, but wouldn't explain the charges, or why would they send me two different bills after the cancellation, except that I needed to pay it. I refused to pay the second bill because it seemed the same bill. On XX/XX/XXXX, I received a bill for {$310.00} from a collection agency, XXXX ( still have a copy ) Client Account # XXXX XXXX Account # XXXX with a full settlement amount of {$190.00}. I explained to them I needed the break down in order for me to see the charges and will be more than happy to take care of it. But they never followed up. 
After that, another collection agency bought the balance by the name of ( XXXX ), XXXX   XXXX XXXX XXXX, for the same amount {$310.00} or full payment of {$190.00}. 
Then Credence Excellence beyond belief, with the suggestion of settling the debt for {$150.00}. The problem is their bill came in 2 years ago, now the new bill has a XXXX account on it, and its showing on the credit report as a new debt. I did contact them to give me an explanation as to the date change, but they insist it's a new bill. Asked to speak to a Supervisor or a manager, each time with the same answer, I will be receiving a call, but never did. As you will see in the attached documents, XXXX had two different accounts # from the XXXX. One was paid the other one wasn't because of the double billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being charged {$300.00} for a medical bill. I have been to the same facility plenty of times with my DUAL same health insurance for almost 10 yrs and that can be proven. I have 2 different insurance I have and have been used at this health facility plenty of 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 2019-05-15
Company: SUNTRUST BANKS, INC.
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a HELOC with SunTrust bank. After vetting, they told me the basic approval terms and rates I was approved for with the HELOC. They asked me to show up to close and sign which takes " about ten minutes. '' I asked that they email me the loan documents so I could review the terms of the HELOC in detail before signing. They refused to send me the loan documents even a few hours ahead of closing. Instead, their policy is that you are supposed to sign the loan documents without seeing them ahead of time, but they verbally promise you that you can back out within 3 days of signature. They were expecting me to " sign blind '' and then try to figure out what I had just signed. 

The problems with this are at least 1 ) this gives me no opportunity to negotiate ahead of time if I find terms I don't like, 2 ) I have to just trust their verbal promise that I will be able to back out if I want, even though I have definitely signed something, 3 ) Even three days after is too short a time for most contract attorneys I might ask to review it for me, meanwhile the clock is ticking and I have already signed it, 4 ) I am given lower interest rates if I take out certain amounts of money AT CLOSING, i.e. I  get lower rates if I sign blind and take out money immediately without having an attorney review, etc. 

This practice seems unethical, highly likely to " trap '' people that don't understand the terms, and I don't understand if it is legal, or why it would be.

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 2016-04-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent in the information to Experian several times and they are not responding the other bureaus have removed the information right away. They are not responsive at all there is no way to talk with someone and will not allow me to do this online they want me to send the information by mail with my social security card and other personal information the company on the credit report sent it to them also. I am very upset they should have a way to speak with a person. 



Thank you,

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 2018-09-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had three unauthorized debits from the checking account I share with my wife : XX/XX/2018 ( tran date XX/XX/2018 ) : {$31.00} - XXXX # XXXX - XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$76.00} - XXXX XXXX # XXXX - XXXX XXXX XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$110.00} - XXXX # XXXX - XXXX, IL On the date in question ( XX/XX/2018 ) both my wife and I were working in downtown XXXX. On the weekend prior, we had taken a trip to XXXX XXXX, WI. 
It is my theory that my debit card was skimmed at a gas station on the way to or on the way back from this trip. Possible gas stations include : XXXX # XXXX XXXX XXXX IL XXXX XXXX XXXX WI Although I can't say for sure, I suspect the XXXX in XXXX, IL as one can easily draw a line from there to the three merchants in question. 
( see map : XXXX XXXX XXXXXXXX ) On XX/XX/2018 I reported these transactions to the Chase Customer Claims Department ( claim number XXXX ). They canceled my debit card, issued a new one, and issued a temporary credit on my account while they researched the issue. 

On XX/XX/XXXX, Chase issued an update. They decided that the items reported did not require correction and that the temporary credit on my account would be removed. 
At this point, I called the Customer Claims Department, expressed that this was unacceptable and asked that they reopen the claim. I was told that the reason for their finding was that the merchants in question were close to my place of residence ( XXXX County / XXXX ). I explained that I was working downtown on the date in question, that these transactions were all in different suburbs, and put forth the hypothesis explained above. They said they would get back to me with their new finding. 

On XX/XX/XXXX, Chase issued an update stating that the transactions I disputed would remain on my account, having determined that they were valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
XXXX/XXXX/19 - I went to annualcreditreport.com to obtain my credit reports from all 3 credit bureau 's. I was able to see my XXXX report, but not XXXX or TransUnion

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 2019-10-10
Company: EQUIFAX, INC.
State: NY
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 dispute was made to correct inaccurate information being reported yet they updated with more inaccurate late payment information. This account was closed on XX/XX/XXXX charged off on XX/XX/XXXX and sold on XX/XX/XXXX 

Explain to me how can I be 90 days late 8 times in XXXX when this account was closed onXX/XX/XXXXand charged off on XX/XX/XXXX. 

Explain to me how can I be 90 days late 3 times in XXXX ( when they closed the account with no late payments ) XXXX XXXX of XXXX after this account was closed on XX/XX/XXXX and charged off XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
During this time I had my Kohls card, the economy crashed, we were devastated by Hurricane Sandy,  lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XX/XX/XXXX as my husband is in the XXXX XXXX and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been about seven years reaching the statute of limitations. I am hopeful that you are understanding that the tie has expired and sue to the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Having enough in my account from my retirement XXXX every since I open up this account constantly been accessed fees that were inappropriate due to abuse of power by the president at the bank also based on stigmatized and sterotyped being of another race. And taking me like I am stupid and constantly every month being charged excessive fees that were deemed to be access to my account ; Suntrust bank on XXXX XXXX in XXXX pk XXXX XXXX XXXX XXXX. facing biases.

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 2019-07-11
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have one open student loan with Navient. I send a payment every week to Navient with the loan number listed in the memo of the check. They apply the payment to 6 other loans that have been closed and sent to collections to be handled by a different company despite the fact that the loan number is listed on the check. I have not made a payment on the closed loans since XXXX but in my credit report it shows that I am paying monthly on them. I am not paying Navient at all for these loans. I have talked to them four times to have them correct this and apply the payments correctly and they will not. I have previously filed with the CFPB and they corrected it momentarily and then went back and did the exact same thing. I want all payments ever sent to Navient to be only applied to the open loan, and it corrected on my credit report for both the open and the closed loans. The last payment made to any closed loans was in XXXX and was sent to XXXX   XXXX, not Navient,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: NY
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 Bureaus will not remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX I've been submitting disputes for months now and they refuse to remove these accounts. These accounts are not mine I have even submitted a police report regarding this matter please expedite the removal of these items from my credit report.

Company response to consumer: Closed with explanation