BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have contacted SEQUIUM ASSET SOLUTION once a week to try and resolve this debt and they will not call me back and I have received no written notification about the debt, but when I dispute the debt with my credit bureaus they reply to them to confirm the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Conduent Incorporated
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yes I have money in my account and have been trying to use my debit card and it want let me says contact my bank well I have called every # on this paper from which the card came from and cant get in touch with a actual person I need access. To my money this is XXXX it needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Navient Solutions, LLC.
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:
XXXX XXXX XXXX XXXX RE : Navient Solutions are inaccurate being reported As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and instead theres 2 pending loans which are being label as transfer to another office, and then the inaccuracy that shows on my credit reports as well. Meanwhile as to reviewing my credit report, its shows there are 2 open student accounts and as a result its lowering my credit score. However, I did try to trace the various loan holders and its always a dead end. Nonetheless, Navient Solution does claims they tried to retrieve my last two loans from XXXX XXXX and XXXX, and this process may take from 30-150 days ; and when the companies do fail to reply, then they will resubmit the process again. Moreover, I know theyre given me the run around and its effecting my credit reporting overall. Needless to say, I do find all concerns above as frustrating that needs a corrective action, so please call with the number listed. Thank you for investing your time in me. 

The ongoing of my federal student loan Process : The Dept of Education sold my loan to a Debt Management Company, then they wholesaled wholesaled to XXXX XXXX XXXX XXXX, then reselling the loan to Navient Solution and finally the TXXXX XXXX XXXX XXXX never received such loans that would ve closed all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
fcra violations : not mine : send information base on my late payment as described in then report b/c I was never late I have that right FCRA violations : Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$12000.00} XXXX XXXX {$7500.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$7500.00} {$7500.00} address is not correct : XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to locate the alleged debt and can not find any record of ever creating an account with XXXX XXXX XXXX or Resurgent Capital Services. A debt of {$180.00} was originally reported on XX/XX/2017, stemming from XXXX XXXX XXXX 

I contacted XXXX and they were unable to confirm an account or any balance. 

I've sent letters requesting any of these entities validate the debt, and if they are unable to, then to remove the account from my credit file. I have not gotten any response in over 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX there was an unauthorized charge of {$1200.00} deducted from my CashApp account. Upon, me noticing the unauthorized charge I immediately reached out to CashApp regarding the concern. I called and spoke to a representative by the name of XXXX to put a hold on the card and to also dispute this charge. Following the incident a number of gambling transactions continued to they to be deducted from my CashApp. I explained to the gentlemen I do not partake in any gambling at all. XXXX also recommended me reaching out to the merchant to file a dispute but XXXX 's systems were not user friendly what so ever, on their contact us page I requested help to not only get any response either. After the credit was applied, CashApp emailed me later to mention it was removed and granted and granted in the merchants favor. They didn't mention why or how, which is super odd because the representative mentioned this was a known issue or a CashApp breach. Lastly, based on my history on any account that I own I have never gambled on any online sites ever. My pattern and history shows that. If you all have any further questions please feel free to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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: Personal information incorrect

Complaint:
Equifax has several erroneous items listed on my credit report and I'm convinced it's because they have me mixed up with someone named " XXXX XXXX. '' My name is XXXX XXXX - always has been. I've never had any other name. 

When I try to login to their online disputes process, most of the security questions do not apply to me. I'm asked about accounts / monthly payments that I do not have, which again, further indicates that Equifax has me mixed up with someone with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: STERLING JEWELERS, INC.
State: MD
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:
In XXXX of 2018 I never received any notice of an upcoming bill or that I was late for a bill until after it was put on my Credit report .... I would like these late payments removed by Kay Jewelers for not informing me .... As of today & since XXXX I havent missed or been late on a payment .... This is impacting my score & ability to obtain credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2018 I called Transunion and XXXX. I spoke with rude customer service agents after I was on hold for hours. The customer service agents denied me the right to dispute items on my credit report even though the items are incorrect. Transunion and XXXX refused to let me dispute false information on my credit report. They act like they are working with the companies against my best interests. Transunion's/XXXX XXXX debt verification process is flawed and outdated.

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 2018-06-11
Company: EQUIFAX, INC.
State: MN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Social Security number : XXXX Date of birth : { XX/XX/XXXX } Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, Please provide evidence the following accounts belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

XXXX XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX My report or confirmation number ( XXXX ). 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This the second time I have had to file a complaint about the same issue. Please reference XXXX and XXXX. 

The company agreed to remove late payment that was reported due to a returned payoff on XX/XX/2018. They have reported the correct information to XXXX, but XXXX  and XXXX still show the late payment. I have been calling almost daily to have this corrected, and I have been told that the information has been sent. XXXX  is still showing a balance of XXXX on this mortgage account. The balance is XXXX. I have disputed this information twice since they have agreed to correct the information and nothing has changed. There should be no late payments and a XXXX  balance on the account. 

Every call starts and ends the same way. The customer service reps do not understand that this is an ongoing issue. I am placed on hold so they can read through all the notes and in the end I have to be transferred to a escalation specialist that does not offer much help either. I ask to be transferred to a manager and they do not call back. The company has agreed to remove the negative information and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 a rep by the name of XXXX XXXX left repeated messages not only on my personal phone but also on the phones of family members who have nothing to do with the debt and have no business knowing of such information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: U.S. BANCORP
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called claiming to be a legal processer. Said i owed a debit for a credit card opened in XXXX of 2014. I was in middle of a seperation and did not open a credit card. The demanded payments or Said they were going to have me served by local sheriffs department. Orignial voicemail was a robot saying they had fax for me. I asked repeatedly for verification notice and they keep telling me its to late for that. They called my brother and mother today and told them they were looking for me because i was ignoring their calls after i had spoken to them mulitply times mon and tues and today. They told me they would settle debt for less if i paid now but they refuse to verify debit or company. The first time they called they said they were T H E legal processing. The second time they said they were tristar legal processing. The number they called off of is different than the number they said to call back.

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 2018-12-28
Company: Garcadia Financial LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a brand new car on XX/XX/2018 and financed through XXXX XXXX. The loan amount was {$26000.00} at a 12.24 % interest-rate. After reviewing my past two car payments I noticed that a majority of my payment is going to interest alone. 
A {$510.00} car payment split between interest of {$270.00} and {$230.00} going to the principal. When I contacted foursite they told me that there was an additional {$8.00} daily interest which comes out to about {$250.00} in interest added to my 12.24 %. I was never made aware of this. 

The whole reason I purchased the vehicle was to trade in another vehicle at a 25 % interest-rate for a lower interest. Foresight told me theres nothing I can do and Im stuck with the loan basically. They wouldnt even provide me information on where to complain about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: VA
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:
Hello, on XX/XX/XXXX I received a notification that XXXX updated my payment information on my Equifax Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that XXXX had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my consumer rights and is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
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: Was not notified of investigation status or results

Complaint:
There are several student loan accounts and credit accounts that are inaccurately reporting lates on my credit file. The following accounts have accurate late reportings : XXXX XXXX - Open date XX/XX/2019 XXXX ( 10 accounts ) - Inaccurately reporting 120 days late There are address information that don't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are incorrect name on my XXXX  File : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: ABR Recovery Services LLC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ABR Recovery Services continually harasses me and places false information on my credit report. 

I previously filed multiple complaints against ABR Recovery Services : Complaints XXXX, XXXX, XXXX. 

ABR Recovery Services claims I owed them a debt that I had already settled and paid with another creditor, XXXX XXXX. I submitted this paperwork directly to ABR Recovery Services and all the major credit reporting agencies in XXXX and XX/XX/XXXX.ABR Recovery Services removed the reporting to the credit bureaus and multiple attempts. 

To my dismay on XX/XX/ I received a credit alert stating I had a new collection account placed on my XXXX  report from ABR Recovery Services. I immediately called XXXX  to dispute this. They have been no help. 

I am tired of being harassed by this company. This is the third time that they have violated my rights under the Fair Credit Reporting Act. 

I demand that they quit reporting false information and remove any reports of the account they have. I believe this company should be served a penalty for continued harassment and cause citizens duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: MA
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:
I have disputed this account on my credit report. 

I disputed this account directly with original creditor. 

Original creditor failed to respond in 30 days FCRA violation. Sent certified mail. 

Dispute sent on XX/XX/21 delivered XX/XX/21 Their letter is dated XX/XX/21 and was not delivered until XX/XX/21 They did not provide information requested. 

This account needs to be deleted immediately for failure to validate the debt and provide supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX  XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/2021, I advised the collectors that they do not have my permission to contact me by phone. Since that time I have received two to three calls per day. Blocking their phone number is useless because they use several different phone numbers when calling. At present, I have blocked nine different phone numbers from this one collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax is in violation of 15 U.S.C 1681 ( a ) ( 2 ) I consumer never gave Equifax written consent to report anything on my consumer report. I am one of the millions of consumers that have been affected Equifax inaccurate credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2018, I opened a credit card account with Bank of America. My application was in their process for over three weeks until it was approved. I paid my bill on time each and every month. Untill recently I tired to use my card to purchase some gas and it was declined. I called the company the next day, only to learn that my credit card account was closed XX/XX/2018. They told me their risk team closed my account because of my recent credit report score drop. I told the risk team that it was a mistake on this company reporting me as late when I paid them and they misplaced my payment in a savings account instead of on my credit card bill. Then their system automatically reported me as 30 days late when I was not even late. Then I find out in the mist of trying to fix one problem. Bank of America closes my credit card account off of one negative remark on my credit report. This is unfair, because risk management told me I can reapply again. I do not want to keep adding inquiries to my credit report. This new closed account affects my credit negatively also and takes away from my number of revolving accounts and my credit percentage rate. This has had affects on me emotionally and caused me financial damage.

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