BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried numerous times to have incorrect late or payment off this report. I have already proven my innocence to XXXX and XXXX, also to a collection agency and made numerous attempts to clarify with equifax. I was also part and victimized by Equifax negligence in their infamous breach and I was affected negatively. I have been accepted into the class action lawsuit. If XXXX and XXXX have both accepted and acknowledged this incorrect info and removed it, then why does equifax refuse to abide by the law that they must also if the others saw this mistake? I have already made a complaint about equifax and they still refuse to correct this info. My legal rights are being denied. This is negatively affecting me, my life, and my credit reporting. I would like them to correct this once and for all and to please abide by the laws and correct this wrong and defaming information they are providing to others about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
I have attempted repeated times to request that this creditor remove me from their account files as they have accounts that were opened in my name due to iden

tity theft and without my knowledge or authorization. I have made every effort to get their assistance and they have refused. These accounts were opened while I was in college. I had no employment and did not live in the city that the accounts were listed as. I never resided at such address. I have provided a copy of the FTC Identity Theft Report to the creditor and the credit reporting agencies. While FCRA Section 605B requires them to remove the account records or block their reporting, they have not done so and are in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: D2 Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from XXXX on my cell phone at XXXX XXXX on XX/XX/17 but they did not leave a message. I called the number back. The person that answered the phone did not identify the name of the company. I told her that received a call from this number and wanted to know why. I had to ask for the name of the company was was calling from. She then precede to look up information by using my cell phone number. She confirmed was my name and last four digits of my social security number. After i stated yes, she went on to say that I owe a debt to XXXX XXXX. I told her there was be a mistake. She said no and when on to say I owned approximately {$600.00} and what employer I put down at the time of the loan. I have n't worked for that employer in over 10 years so if that is the case they are attempting to collect on a debt that is over the statue of limitation. Also, she refused to provide me with any type of verification of debt. She responded that something was already sent. I do n't know how this is possible when this is the first time I 've spoken to anyone at the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
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: Account information incorrect

Complaint:
This loan was not opened by me it was no opened by me I went into the XXXX bank branch  ask them for the paperwork showing this account was opened by me they could not produce any paper work they said I was opened online I told them I did not open this account. They just kept saying it was opened on line we don't have any signed copies of this lian

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am submitting this complaint as the 3 major credit reporting agencies have not returned an acceptable response to my identity theft report disputing items that have been fraudulently reported to my personal credit reports

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 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I use Capital One banking services and they have been the BEST yet. XXXX XXXX credit card issued a line of credit to me. They have allowed charges to be posted and had me pay for those charges. One charge was contested and credit given back. This month the charge is back and l am expected to pay for it. No less than five times since last year l have requested a card and to date l have no card with a line of credit they keep open and allow recurring charges to be made. I understand credit is their 's to extend or reject. But why keep a line of credit available with no way to access it. The only one with access is XXXX XXXX and they ok charges without ever giving me any say so, until after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have received letters from Cardinal Finance stating my request for forbearance isnt complete.I callled to go over the options and I was directed to Consumer Finance. The person simply stated I was in forbearance and there was nothing I needed to do. I asked what I need to do when forbearance is over because I can not make balloon payment and she directed me to contact CFPB. 

I also called because my escrow has increased 2 times in the 15 months in 7 months. When I called to ask why it keeps increasing I was placed on a long hold and was told to call my town or insurance company. My mortgage rate has increased over XXXX in 15 months and I asked how much I need to pay to have my monthly rate back when I purchased of {$2500.00} I was given an incorrect amount and I still do not know how I can pay the escrow shortage or what the amount that has to be paid. I can never seem to get assistance I am always directed elsewhere and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from Capital One. I have never entered an agreement with XXXX XXXX and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between Capital one and XXXX giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay XXXX. They can also include the contract with my wet signature showing an obligation to Capital One. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. Capital one allegedly charged this debt off and I have not received a 1099-C for their write off!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Justice Finance Company
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:
On XX/XX/XXXX around XXXX XXXX. I contacted Justice Finance to inquired about an account that was unknown to me reporting on my XXXX credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the manager or owner. She tells me that she is the assistant manager. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XX/XX/XXXX around XXXX XXXX. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XX/XX/XXXX I receive a credit inquiry alert saying that Justice finance did a credit inquiry for an application or loan. I then spoke to XXXX on XX/XX/XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. manager got mad because I asked her how can there be two different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to XXXX and they refused to dispute it and told me I needed to contact the creditor to get it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: Synovus Bank
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 believe the company, First Progress, has committed several individual actions that violates my rights as a Federally Protected Consumer. First, the account is reporting without my consent Pursuant to 15 USC 1681b. ( a ) Permissible Purpose. I have never given written or oral consent to furnish accounts or use my credit report for any reason. This by lawful definition is Identity theft. Second, Pursuant to Regulation Z & 15 USC 1666b. Timing of Payments, First Progress is inaccurately reporting late payments to my consumer report that can not lawfully be deemed as a late payment for any reason. Furthermore, Pursuant to 15 USC 1666d. Treatment of credit balances i am owed a refund from this consumer credit transaction. 12 CFR 1026.13 further explains the billing error violation committed by First Progress. Additionally, 15 USC 1692f ( 1 ) Unfair Practices states the collection of any amount ( including interests, fee, charge, or expense incidental to principle obligation ) unlessed authorized by agreement OR permitted by law is a violation. 

XXXX has deemed this account as verified, however who verified this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I sent off a debt validation letter on XX/XX/2022 via registered certified US mail that was never responded to nor acknowledged by XXXX XXXX. Pursuant to 15 USC 1992c ( d ) I had my wife to complete a recorded call and speak with a representative about deleting the account in the amount of {$14000.00} off of my credit report as I have never given consent for them to report on my behalf ( 15 USC 1681a ). She unlawfully refused to speak to my wife citing that she is not account holder when my wife is lawfully able to speak as a consumer ( 15 USC 1992c ( d ) ). Also, this account is fraud and identity theft as the consumer credit transaction of the alleged account is already completed ( 18 USC 1028a ).

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 2022-02-16
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student Consolidation Loan started with XXXX XXXX in XXXX. XXXX XXXX took approximately XXXX year to process XXXX separate student loan consolidations ( XXXX for myself, and the other for my XXXX ). When the consolidation loans were final processed, XXXX XXXX went out of business and moved everything over to American Education Services. When American Education Services ( AES ) processed the loans, they were processed as a spousal Student Loan Consolidation on XX/XX/XXXX. Upon identifying the error, I attempted to work with AES without any definitive response until XX/XX/XXXX. Every year thereafter through XX/XX/XXXX, I attempted to resolve the issue to no avail. The error has NOW been identified and acknowledged to be an error, however AES is unable to determine a solution. 
Separate from the loans being erroneously processed as a Spousal Student Loan consolidation, and perhaps more important, it was determined that the erroneously processed Spousal consolidation was done AFTER Spousal consolidation loans were allowed ( Ended XX/XX/XXXX ). 
Now that an AES supervisor has identified the error, no one with authority will call me back or even speak with me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been trying to work with the loan company Navient. I am unable to pay off my loans at this time do to personal problems and a family situation that has not allowed me to work at this time. I also have been studying for my licensing exam for my XXXX so I can get a job to pay these loans back and that has taken time. 
The company has spend the last year calling and harassing me, my family, friends, and friends of family members that I don't even know. They call them and me multiple times a day everyday for almost a year. 
I called the company and explained my situation to them four times and asked them three of those times to stop calling me multiple times daily. This request was not granted after they said they would put me on a no calling list. 
Now they are harassing me telling me they will take me to court if I don't pay a fee of {$150.00} to be put into one of their programs, money I do not have. 
I told the woman I would try and come up with the money by the end of XXXX and she agreed. However, she continued to call me, family, and family members friends ( such as my sister in laws father ) to try and get the money even after we had agreed to give me a months time to come up with the money. 
I called her back to try and figure it out and then she called me today threatening that if I don't pay the {$150.00} to be put into a program today that they are done trying to " help '' me. 

The company has my contact info and has no right to be calling family members and people I don't not know to get money from and sharing my private information about my loans. 
I have literally received hundred of phone calls in a month spanning for almost a year. 
I had to change my phone number it became so bad. 
I do not know how to come up with the money and I do not know how to stop them from threatening me and harassing me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This morning, beginning around XXXX XXXX I received a series of phone calls from this debt collector. They called and left approximately 12 voicemails in a half hour period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made this complaint numerous times with no results. I have provided the necessary documents to have these accounts removed and yet they still persist. Please review all attached information and act accordingly as required by law. These accounts are hindering my ability to obtain new employment and a place to live.

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 2017-10-05
Company: Diversified Consultants, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is in reference to complaint # XXXX XXXX XXXX has yet again sent this rogue bill yet to another collection agency this time to Diversified Consultants in XXXX, Fl this company sent a bill this time 1st bill I have ever gotten, it usually just pops up on my credit.. anyway, I called and spoke with them Monday XX/XX/XXXX around XXXX.. told this agency this is not my debt, he said there was n't anything he could do and that XXXX XXXX was going to continue to send this debt until its paid.. so I then hung up contact XXXX fraud department.. told them I had never gotten a bill from them and it 's not my debt.. the lady really did n't want to hear my story, told me she was sending me to the fraud department and speak to them.. I was transferred to an automated message to go online and file a fraud complaint.. when you go to the website it ask for your picture id and social security number.. why would I want to give you that kind of information if you claim to already have it on file?? I have asked them to send me signed documents where I signed for these services and I asked them to send me copies of proof of anything that I signed getting these services, I have told them that if they pull up XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX fire in the XXXX XXXX Commercial newspaper they will see I was interviewed by an reporter that I lost my apartment in a fire listed at XXXX XXXX XXXX and I also filed bankruptcy 2 months after the fire if this was debt I could have simply put in on my bankruptcy.. this is not my debt.. this is not BACK on my credit as of yet.. your agency helped get this removed in reference to complaint # XXXX.. please do not let these people put this back on my credit!! This is a complete nightmare!! I am in the process of looking to purchase a new home in about 6 months or so.. I do n't need this popping back up on my credit.. please help.. I have the email I sent of this conversation to XXXX XXXX if you would like for me to forward emails.. the emails state what I told you in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ).

I have a secured right to privacy and confidentiality that was breached by the furnisher without consumer consent in violation of Florida Statute 540.08. 

No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. 

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

Furnisher has conspired with third parties companies d/b/a consumer reporting agencies disclosing personal information without consent in breach of trust despite FDCPA cease communication notice.

XXXX XXXX continues to furnish deceptive reports without consumer consent to third parties and fails to remedy violation. After several calls to cease reporting, XXXX XXXX filed a cease and desist notice against consumer alleging harrassment for exercising consumer right of privacy as trespass by XXXX XXXX.

Company response to consumer: Closed with explanation