BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
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 checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have an original copy of a Certificate of Deposit held with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, for which I discovered they were merged with or acquired by BMO Harris Bank National Association, on XX/XX/XXXX. I contacted BMO bank and spoke with 2 different representatives on XX/XX/XXXX. The first representative had no information regarding these unclaimed funds and suggested I contact State of Indiana. State of Indiana informed me they had no information regarding unclaimed funds, and suggested I find out from BMO Harris more information regarding Report number, Date and name it was filed as, and amount. When I contacted XXXX XXXX on their national toll free line, I was instructed they can not help me. I asked that they route me up the chain to their supervisor or management and agent stated this was not allowed. Agents name was XXXX and his supervisor 's name was XXXX XXXX, though agent would not spell names, nor provide me with and Agent ID number. 
I am left without any record or way of tracking down the funds for my Certificate of Deposit, for which I have the original signed CD paperwork, as well as the last notice I received from XXXX XXXX XXXX in XX/XX/XXXXwith the maturity amount. I am happy to forward copies of paperwork. Can you please help 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 2018-10-06
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 status incorrect

Complaint:
I have made several attempts to obtain Validation from XXXX XXXX but unsuccessfully. I filed a complaint # ( XXXX ) stating : There is a credit card account on my credit report reporting from XXXX XXXX XXXX. The initial amount for the debt was {$430.00}. I submitted a direct dispute with the company explaining the debt was not mine and requesting verification that the debt was indeed mine. I requested XXXX XXXX XXXX to provide a signed contract showing my signature. That request was never fulfilled. In XX/XX/2017 I sent a letter as well as a money order in the amount of {$50.00}. The letter was sent certified ( Tracking XXXX ) money order ( Tracking XXXX ). The letter goes to explain that the debt was unverified but to have the debt removed from my credit file, I was sending the money order in the above amount as a settlement. In return the debt would be satisfied and deleted from my credit report. The letter also specified that cashing of the money order would certify as a contractual agreement that XXXX XXXX XXXX XXXX would mark the referenced account as satisfied and delete the account from my credit report. XXXX XXXX XXXX has since cashed the money order and applied towards the balance on the account, which now reports a balance of {$380.00}, while also reporting the account as " Never paid ''.

The company never responded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I co-signed a student loan for my former son-in-law. This company entered a charge off on my credit report despite the fact that I have paid them monthly for 5 years, without missing a payment. It is my understanding in order to put a charge off on a person 's credit report there has to have been 6 months of missed payments. I send each payment by certified mail so I have the signed receipts to show the payments have been received, also my canceled checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was informed by Lakeview loan company that I had not been making payments which was incorrect. I informed them that I had been making payments and had bank documentation to show where I made the payment, and they sent it back to my account as a refunds taking i had no account with them. I sent in all documentation and created a case. The response I received from lakeview was to make payments payable to lakeview loan, which we had been doing. I attempted again to make a payment in XX/XX/XXXX. The payment was rejected stating no account can be found. I have attempted to make several phone calls to the company and could never get through to anyone. I have attempted to email the company again in regards of my account. The companies response was I'm behind on payments and need to correct the issue. I Continued to try to make payments and they were getting rejected saying account not found. My last accepted payment was XXXX of XXXX. XX/XX/XXXX through XX/XX/XXXX I was not able to make payments due to being out of work. I again contacted lakeview loan on XX/XX/XXXX attempting to correct the account issue. I am now being told my loan is in the process of foreclosure and that I would need to make 15 payments out of 16 to stop the process. I tried to explain the matter to them that I had brought up this issue a year ago I asked if there was a payment method we can try to work out, or anything to correct the issue. They were not willing to work with 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 2021-07-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
Other ENHANCED RECOVERY CO L acct number : XXXX XXXX XXXX Other XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-04-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax suddenly started reporting a missed payment in XX/XX/XXXX on an account that was closed and paid in XXXX. I have already filed a complaint against this bank & Equifax for the error reporting in XXXX, CFPB forward it to the XXXX XXXX XXXX, only to find out that the XXXX XXXX XXXX XXXX is not an actual XXXX XXXX, & from there nothing more came of it. 
I filed a dispute with Equifax for reporting the missed payment in XX/XX/XXXX, but they claimed it was verified. 
This Error Reporting has caused me & my business to be denied credit on more than 2 occasion. 

Equifax reports this account as a closed account since XX/XX/XXXX, yet claims it is possible to have a missed payment 27 months post pay off. Doesn't make sense & is not fair that I can not see their proof. 
I can not speak to the actual bank because I do not have an open account & can not get past their automated phone system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: CO
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 recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXX/Department of education and is now listed as a new account on my credit reports showing a partial account of XXXXXXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED / XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month

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 2021-04-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan was serviced by XXXX I enrolled in the covid assistance program around XX/XX/XXXX and received an extensions XX/XX/XXXX and XX/XX/XXXX from XXXX to expire XX/XX/XXXX. 

As of XX/XX/XXXX the amounts past due was as {$5300.00} with {$1300.00} due XX/XX/XXXX for a total amount due of {$6700.00} none of the amount due was late fees. ( ref XXXX XXXX statement ) Immediately following this statement the servicing was transferred to Carrington mortgage. 
I received a Statement from Carrington dated XX/XX/XXXX showing a past due of {$5300.00} with {$1300.00} due XX/XX/XXXX and {$220.00} in late fees for a total of {$6800.00}. Along with the threat of foreclosure. Ref Carrington XXXX Statement. 
I immediately called XXXX and Carrington about the Covid protections : XXXX responded that the Covid protections follow the loan to the new servicer and that Carrington may not have received all of the info yet, and that no fees had been charged by XXXX. 

Carrington says that the fees where previously owed to XXXX and that they had no record of the covid forbearance. I immediately enrolled online for covid protection on their website, and was granted until XX/XX/XXXX. 
I have made all payments showing due to avoid any credit reporting or foreclosure issues prior to the expiration of the latest covid assistance period resulting in the amount of {$170.00} paid year to date in fees to Carrington. Ref XXXX Carrington Statement. 
I have tried to resolve this issue with Carrington and they say they where fees from XXXX when the loan was transferred. Both companies just point the finger at the other. 
In addition I asked Carrington to provide me the name of the FHA Mortgage owner and they said all they do not have that info, this is a FHA loan. I was seeking this info to seek help from the backer as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau is reporting an erroneous debt on my credit file and it must be removed. I recently looked at my credit report and noticed this debt was reporting. I never received calls, letters, or any notices about this debt before reporting on my credit file. This violates my 30 day right to dispute under the FCRA. Not only that, this account is past the statute of limitations in the state of Utah according to my attorney general. You can no longer make any collection efforts on this account and it must be removed. If this wasn't enough, it's also past the credit reporting limit! Please remove this account immediately. I am aware that you are the furnisher and can report to the bureaus as you deem fit, so please do not say you can not remove this, I know that you can and you must.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
Hello, I have a ding on my credit report in regards to a purchase I made with XXXX Synchrony. I paid off the debt and the creditor closed the account as " delinquent ''.

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 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Menards card was declined in the store on XX/XX/XXXX. I called Menards Billing at XXXX, spoke w/XXXX  who said the account has been closed due to " months and months '' of non-payment. I explained my current bill ( XX/XX/XXXX thru XX/XX/XXXX ) showed {$330.00} due on XX/XX/XXXX, which was paid in full on XX/XX/XXXX. Further, there was a {$62.00} payment made on XX/XX/XXXX, so there was no " months and months '' of non-payment. I did miss my XXXX payment, however I also explained that I had called Menards Billing regarding my bill each month to let them know I was experiencing hardship due to an XXXX injury resulting in XXXX to my XXXX XXXX, requiring XXXX in early XX/XX/XXXX, which left me unable to work during all of XXXX and most of XXXX. I also explained at that time that I now have new employment working for the XXXX XXXX system, and my income is increased substantially. XXXX was apologetic, however he said the account has been closed and nothing further can be done. He welcomed me to apply for new credit if I still wanted to do business with Menards. I never received any notification of impending account closure, neither via phone call or email, and my account was paid in full on XX/XX/XXXX. In addition, when I log on to my account billing, it shows a current balance of {$0.00} with available credit of {$3500.00}, giving appearances of the account being active and in good standing. Please assist! I would like for my account to be re-opened in good standing with no reduction in credit. Thank you, I appreciate your expertise!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have found out this firm has opened cases against me but i've yet to be served. I've previously informed them that my income is from social security and is protected. I am XXXX years old with XXXX and still recovering from a XXXX, this is becoming an undue stress for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: WV
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:
COMPLAINT on XXXX, XXXX, Experian : My wife and I are senior citizens. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. 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 explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax did not properly investigate my XXXX account. It still shows as me having a late payment and I was never late. 

Equifax did not properly investigate my XXXX XXXX Account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX XXXX Account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my Us Dept of Education account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report and have Duplicate accounts. 

Equifax did not properly investigate my XXXX account. I never a had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have three unknown inquires on my credit report. They are from XX/XX/2018 one is XXXX XXXX XXXX XXXX, the other is Regions Bank the last one is XXXX 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 2018-04-17
Company: BARCLAYS BANK DELAWARE
State: KS
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:
We purchased a ticket through XXXX using their XXXX XXXX XXXX credit card. We had to cancel the ticket and submitted the necessary paperwork to get a full refund. We were told at first that it would take 4-5 business days to resolve. After a week we contacted customer service and were told that it would take 6-8 weeks to get a refund. In the meantime we would be obligated to pay the full price for a ticket that was never used. We contacted XXXX XXXX XXXX ( Barclays ) to dispute the charge and faxed paperwork to them multiple times. They never called or acknowledged that they even received any faxes. Want them to put this charge in dispute until this matter is resolved with 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 2021-03-22
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a second NOTICE OF DEBT from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/2021 for {$29.00}. I am a federally protected consumer. I never gave consent for Linebarger Goggan Blair & Sampson, LLP to communicate or contract with me. Under 15 U.S. Code 1692, there are several violations that Linebarger Goggan Blair & Sampson, LLP committed. The debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices dated XX/XX/2021 from the federally protected consumer. I am seeking my requested remedy according to damage ( s ) sustained and regulated under 15 U.S. Code 1692.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My application was denied for having to many open lines of credit with Capital One. I told the rep that I had multiple credit cards with Capital One before submitting the application and she went ahead and ran it which resulted in a hard pull on my credit report.

Company response to consumer: Closed with explanation