BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: TN
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 contacted the creditors and Equifax numerous times via phone mail online about these fraudulent inquiries on my credit report : Equifax -XXXX  , XXXX XXXX, XXXX /mail, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX, & XXXX. These inquiries are affecting my credit score. Please have these removed ASAP as I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: Lending Club Corp
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i received 2 letters of denials for a loan that i never applied for. i called their customer service line twice onXXXX and was hung up on both times before i could get any information about this loan. i then contacted them via XXXX on XX/XX/19 which continued into XX/XX/19 where i requested copies of the loan application and any recordings of phones calls pertaining to this loan application and the contact information for their corporate office to which they refused and insisted on me calling their customer service line which was of no help when i tried before reaching out via social media. i did advise of my situation in the conversation and they told me that someone may have used my personal information to try and obtain a loan however i received these letter at my home address instead of the person attempting to steal my identity address. i have continually monitored my credit since receiving these letters and have noticed no hard or soft inquiries from this company. in the letters they have indicated my credit score and information about accounts in my name that can only be provided from my credit report which leads me to believe that a 3rd party did not attempt to obtain a loan but they in fact applied on my behalf without my permission which is in direct violation of the fdcpa and since they are a publicly traded company im sure this sort of practice violates ftc and sec regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
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 have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXX Act # XXXX, XXXX  XXXX XXXX  Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I obtained a second mortgage from American Home Mortgage XXXX XXXX on XX/XX/2007. Few months after obtaining the mortgage. American Home Mortgage went bankrupt and can not get a hold of them anymore. MIN number is XXXX and the property address is XXXX XXXX XXXX, XXXX KY XXXX. 

Shortly after company went bankrupt, we paid off the loan to the bankruptcy trustee. 
I want to sell the property now and the title is still encumbered with the lien and I can not get a release on the lien since company does not exist anymore for a decade. 

I would appreciate your help to get this lien removed from my property. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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 am I a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: NC
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:
EQUIFAX NEEDS TO RESOLVE THIS IMMEDIATELY AND REMOVE THESE ENTRIES FROM MY REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
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:
XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX inquiry date : XX/XX/XXXX bank credit cards i haven't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit  burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian Data Breach Settlement -- I was a victim and chose two or three years of free credit monitoring. 
Yesterday I found out that Experian has been charging my credit card every month for many months. 
I called Experian and they stopped the unauthorized credit charge and would only credit me for the current payment. 
I called my XXXX XXXX and they could only go back three months. 
I want reimbursement for all the months of unauthorized charges against my XXXX XXXX. 
Here are the dates and charges : {$23.00} on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and {$21.00} on these dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. On XX/XX/XXXX {$1.00}. 
subtotal for XXXX : {$180.00} plus subtotal for XXXX : {$66.00} ; grand total owed to me is {$250.00}.

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 2018-01-24
Company: Experian Information Solutions Inc.
State: NJ
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 obtained a auto through XXXX on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XX/XX/XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XX/XX/XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' XXXX has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.

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 2018-01-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violaton sent po report XXXX has let their breach miss up my credit with everyone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1900.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX ( 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 non-monetary relief
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: NE
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:
Experian has refused to remove information that I have identified as fraudulent. I have already provided an affidavit of fraudulent activity to Experian and still they refuse to remove the information. They allege they verified the information with XXXX, however ; I have already informed XXXX that the information is fraudulent. XXXX 's legal representation advised me that I must file a fraud affidavit to have the information removed. They advised I must complete their packet, I have not completed their packet as there is no law that specifies I have to complete paperwork prepared by the creditor but rather simply file the affidavit with a law enforcement agency. I filed the affidavit with the FTC and am providing a copy of the affidavit to Experian.

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 2020-09-23
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with XXXX  and, XXXX XXXX XXXX XXXX XXXX also Lvnv funding llc, I have written them letter to no avail, XXXX is the only one who has obey by the law 609, I have not received from transunion or XXXX XXXX XXXX XXXX or lvnv funding llc nothing with my signature on it I would like for the law to be put in place here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Pioneer Credit Company, Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The branch manager of pioneer credit has came to my workplace 4 times over the last month. My boss is getting very tired of it as I am as well. She is not supposed to come to your place of employment. Also has been calling a person she thought was my boss which has caused other problems and I may not have a job due to this. I was Sent home on numerous occasions because of this. I would appreciate this being looked into as my information should not be brought to the publics attention. That is violating the privacy act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
Repeatedly calling after requesting they do not call. I did not give this company my phone number and they said they received it from elsewhere. When I asked again they do not call me, they continued to try to confirm personal information and argued with me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Synovus Bank
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: Their investigation did not fix an error on your report

Complaint:
Good Morning! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section XXXX of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act XXXX XXXX. ( a ) ( XXXX XXXX ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the XXXX credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: DISCOVER BANK
State: NJ
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:
In Response to CFPB Complaint # XXXX " Discover is  not responsible for the quality of the service. " ... Uh, no.. But the merchant is!!! That's why customers have the ability to dispute charges they authorized.. Hello!!! Customers can dispute charges they authorized based on what they paid for not being received. And I paid for both food of high quality and service ... We received neither!!! Eating two or three bites of an entire meal, is nowhere even near the same thing as eating most, or even HALF of the food and asking for a refund!! Discover may not be responsible for the quality of the merchant 's service, but it's their job to force the merchant to credit the customer if the service was not delivered!! This is part of Discover 's job, to protect the customer. No different than if fraud was involved. And this was fraud if you ask me!! All Discover had to do was send them my statement and tell them they were in my favor ... But no. Naturally, it was in theirs.. The merchant 's, as always. It's never in favor of the customer 's!! This is completely unacceptable, and I will give Discover one more chance to credit my account for the {$70.00} charge ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cardinal Financial ( XXXX XXXX has not refunded my {$4300.00} escrow balance on a mortgage loan I paid off on XX/XX/2021. I've reached out by phone several times and each time I am told they need to process a work order to reissue my check refund but there is no sign of the problem being resolved. My online account still shows the original refund check was scheduled to process on XX/XX/2021. I have not received it as of today XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I requested validation of the debt from IC System ( tracking XXXX XXXX XXXX XXXX XXXX ) I still have not received validation of the medical debt and it has been well over 30 days. 

This account can not be validated 100 % legally and accurately and it needs to be deleted.

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: Navient Solutions, LLC.
State: CA
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:
Regarding Student Loan Account Number : XXXX My loan payments in XXXX and XXXX from bank withdrawal by Navient are not reflected correctly in my balance. 

There was an Interest Only Monthly Payment Agreement of {$460.00} with Navients XXXX XXXX [ Employee ID XXXX ] Per the Recorded Voice Conversation. 

With other interest, the very first payment was {$540.00}. This first payment was taken on XX/XX/XXXX. " Exhibit A ''. 

Recurring Payment of {$460.00} should be taken on XXXX day of every month, ending on XX/XX/XXXX. 

Navient Illegally took the Second Payment {$540.00} on XX/XX/XXXX. " Exhibit A ''. Thus, Navient Defrauded {$78.00} from my Bank Account. This is not the first time, Navient engaged in a Pattern of Fraud, since XXXX. 

I called Navient on late XX/XX/XXXX, I changed Navients billing from Debit Card to Checking Account. Navient said that would be OK. 

The third payment is {$460.00} was taken on XX/XX/XXXX " Exhibit B ''. 

Navient continues to Defraud and Create a Fraudulent Loan Balance with Late Fees " Exhibit C '', even after taking Illegally withdrawing Excess Funds of {$78.00} from my Bank Account Navient also reported Fraudulent Student Loan Balance to all Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I canceled on XX/XX/XXXX and was told I would get a refund of {$190.00} for the 8 remaining months that I prepaid. I was given a case # XXXX and was told six times that the case was escalated and that my refund would be on the same credit card that I was charged {$290.00} on XX/XX/XXXX. Every time I call which has been over 12 times since XXXX they tell me that someone made a mistake and that in XXXX days I will be refunded {$190.00} but it never happens. 

From Equifax on XX/XX/XXXX Dear XXXX, We have received your request to cancel Equifax Complete Family Plan. Your product will cancel on XX/XX/XXXX, which is the end of your current subscription month, as determined by your purchase date. For example : If you purchased your annual subscription on the XXXX of a month, and you cancel on the XXXX of a month, your cancellation will take effect on the XXXX of the next month. You will receive a refund for any fully unused months in your annual subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: JPMORGAN CHASE & CO.
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:
Reached out to Chase regarding keeping our account open. The account was 86 days past due and I was told by 2 different reps that if the additional {$300.00} was paid same day, the account would not be closed. I paid a total of {$570.00} in 2 days and then they closed the account even though the payment posting date was XX/XX/28 as they instructed me to do. Now they are saying it was a glitch but they are not able to reopen the account because it fell 90 days past due even though the payment was made with them over the phone to avoid falling 90 days past due. 

I feel lied to. They wanted {$600.00}, they got it and closed the account anyway. I want the account re-opened as they promised. Both calls were recorded and the rep today could see where I did everything I was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Been trying to pay my card but they will not let me change my phone number so I can pay it ... They do not have a physical place to go, cant help over phone or on the internet ... They say they sending a confirmation in the mail but dont ...

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