BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: FL
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:
On or around XX/XX/2019, I disputed a collection account from XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX with Equifax to no avail. XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX has failed to verify that the collection account belongs to me. Additionally, I disputed inquiries that were on my Equifax credit file without a permissible purpose on or around XX/XX/2019 and and Equifax requested that I provide my identification which I did on XX/XX/2019 illustrated by the enclosed correspondence and Return Receipt. Additionally, Equifax has delayed an ongoing dispute concerning the collection account from XXXX XXXX XXXX , XXXX d/b/a XXXX XXXX XXXX with the Consumer Financial Protection Bureau ( Complaint ID No. : XXXX ). Equifax has not addressed these issues which has caused me financial harm and have adversely impacted my interest rates. Although I provided my identification to Equifax evidenced by the enclosed correspondence and Return Receipt, Equifax again requested my identification on XX/XX/2019 illustrated by the enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
All of my loans are consolidated, and are under one account number. In addition, this item was not previously listed on my credit report, information was given to a Credit Repair Agency and after reviewing my report after given out to the information to the agency, a review of my account, now show this item. Please remove this item, I do not want to lose a contract that I have on some property. Thank you in advance for any consideration that can be given this request.

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 2021-09-01
Company: Experian Information Solutions 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:
I have disputed the reporting of Child Support on my credit put by the Texas Attorney general. It is unfair that it is assumed that I have never paid child support. I have provided proof to the attorney general and have requested an investigation by the Experian and XXXX, for them to prove I owe this amount of {$8800.00}. All the answers i get are the information is the same. But there is no info on dates delinquent, every month it reports like its month one on my credit. There are amounts paid just a big balance. I have had my wages garnished and I have had my tax refund offset. Now that I am trying to buy a home, to stop renting all my life, I learn a lender will not help me due to the incorrect reporting on my credit report. I dont have money to pay an attorney. The attorney general are not helping me at all with regard to setting up a hearing to provide proof and my side of the story. its not fair how i am treated as a dead beat mother and refused a home.

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 2020-05-08
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:
I was trying to buy my wife a necklace at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions 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:
My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XXXX of 2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, experian and XXXX. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.

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 2019-03-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX, Citibank sent me a flyer offering a XXXX XXXX miles reward for opening a new checkings account and meeting a few bank activities such as monthly bill payments. 90 days after I met the requirements for the promotion, approx in XX/XX/XXXX, I got an email from Citibank confirming that I earned the reward, and that it was going to be credited in my Aadvantage account within 30 days. However, it has been more than 2 months and Citibank has not done anything about it. 
I contacted Citibank but they sent me useless information that did not help solving this problem.

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 2021-04-06
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 did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 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 2019-01-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi This was the letter I sent XXXX XXXX when I had paid off my credit balance in full a week later they lowered my credit limit for no reason, I asked them to reinstate my original limit but they said no! I feel as if they just wanted my money! I was never late paid more than my min payment! 


Im inquiring as to why my credit limit was decreased from {$1000.00} to {$750.00}? 
I know I had notified you guys regarding the reason I was not going to be able to pay the last two missed payments of XX/XX/XXXX and XX/XX/2018 due to someone had compromised my banking information, so the bank had to complete their investigation and I was unable to make any transactions using my bank account! And I had agreed as promised to pay off the full balance once the investigation with my bank was completed! And I paid off all my other accounts as well! I think it it unfair that this happened to me as a good customer with good payment history since my account was opened! I would like to be reconsidered to get back my original credit limit or extend my credit furter!! I can understand if my account wasnt in good standing! I also have a recording where I spoke with your representative on the phone when he explained and assured my account was in good standing and that it was ok to pay off my full balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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:
" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company sued me without any evidence of this debt and after continued to harass me to collect on a wrongful amount that I didnt owe. I have successfully removed them from two credit reporting and will continue to try to remove them from the final.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: MD
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 disputed items with Equifax frequently - they never respond to my disputes - I found out that they have my address being reported and this address XXXX does not exist - that is why I never get responses to my disputes - they are going into the usps trash or being returned to Equifax and being trashed. my correct address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX md XXXX - I have written Equifax about this incorrect information but as I said I never receive a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had a checking 's account with US bank. I had stopped working around mid year In XX/XX/2018. I had one thing on automatic payments and it was trying to charge on my account. I had called to help fix that because the transaction kept trying to go through multiple times which now the USbank was charging overdraft fees every time it was trying to charge. I called several times to have this fix, they told me they would mail me the paperwork to dispute it so that they can remove the fees and I wouldn't owe anything on my account. Well now it is being reported as account abuse. I never got the paperwork to fix this and pay any balance that was actually something I owed. They have refused to work with me now instead of helping me lower my balance to what was actually paid. With this on my record I am having such a hard time opening an account or buying my dream house for my family.

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 monetary relief
Consumer complaint received 2019-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE THEY PUT TWO ACCOUNTS ON MY CREDIT REPORT I OPENED ONE AND HAVE NEVER CHARGED ANYTHING THE THEY HAVE ANOTHER ACCOUNT ON MY CREDIT REPORT SAYING I OWE {$300.00} AND SOME DOLLARS THIS IS NOT MINE PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize a auto credit inquiry on my XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Convergent Resources, Inc.
State: CT
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:
I have sent Convergent Outsourcing Inc. multiple validation of debt letters which have been ignored. I expressively stated I wish only to work with my original creditor. This has been ongoing for months. Today I am going to my town hall to get my 4th validation letter notarized and sending it to this creditor in a final attempt for them to cease and desist. I will provide any and all information the CFPB that is deemed necessary. I do hope you will help me stop this collection agency 's disregard for my rights and requests. They are damaging my credit that I have worked very hard for. Despite my efforts requesting they Cease and Desist they are reporting to the credit bureaus still as of today.

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 2019-01-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received over 27 emails from XXXX XXXX who is a representative from Midland Funding LLC. From XX/XX/XXXX I received approximately 6 emails. From XX/XX/XXXX I received approximately 6 emails. From XX/XX/XXXX I received approximately 9 emails. From XX/XX/XXXX I received approximately 6 emails. All emails came from the same individual, XXXX XXXX. It is becoming a nonstop issue of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have an XXXX XXXX Credit Card with Chase Bank. I received an email from Chase today, XX/XX/18, at approximately XXXX EST stating that I am now enrolled in their digital emailing service for any account that I already accept paperless statements. I do not have any paperless services with Chase. The email states that I will still receive paper mailed services where required by law, however, when I verified my account, Chase had automatically enrolled me in e-statements and " other information '' digital services without my affirmative consent. In the past, I have actively denied Chase 's offers for e-statements several times so I strongly feel they are violating the e-sign act ( and TIS ) by signing me up for a service that I : ( a ) did not affirmatively consent to ; and ( b ) received no information regarding any potential fees or charges associated with this. There was also no definition of what " other information '' digital services was. There was a link to their security page which ( buried within that page ) is their privacy policy, but nothing that stands out or refers directly to the terminology contained in the email. 
In order to correct all of this unnecessary hassle, Chase provided a link within the email to 'check my digital communication settings '. The link brought me to the Chase home page where I had to log into my account, find my way to the " paperless options '' and manually unsubscribe for these services I did not consent to. 
If this is happening to me, how many other Chase customers received the same message but don't realize they are now enrolled in a service they may not want?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Regional Management Corporation
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:
This company has closed my account 2 years ago now I see that it has reappeared as open and they are reporting the incorrect amount and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check from a customer around XX/XX/2016, the check cleared 5 days later, & then I couldn't access my account on the mobile app. I contacted Capital One 360 & they said they were closing my account since it was new due to fraudulent activity. Fast forward 1 year, the money from the cleared check is still in my account, it is not closed, it's gaining interest monthly, but I have limited access to most services on the account. So I call & speak to their fraud department supervisor who notifies me that they can't prove the check is fraudulent but they can't release the funds to me for no reason given. When I asked to speak to a manager, she said she was it & there was nothing further to speak of & then hung up on me after a brief & rude end to my inquiry. Fast forward 1 more year & I am still receiving monthly statements in the mail with interest accumulating & can not use my money from a check that they cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted American Education Services ( AES ) about two weeks ago to ask why I am being ask to pay my student loan when the newly passed Cares Act granted me a six month forbearance. I was told by AES that they are not postponing payments and that the Cares Act does not apply to them. I stated that AES is a federally back loan and its also listed as a servicer on the federal website therefore my payments should be delayed. I was told by the AES that they expect me to continue my payments and if not I risk delinquency. This is unfair and this servicer is probably threatening a lot of customers. Please help resolve this as soon as possible. This is a strain on my family during this pandemic and it seems as though AES is not abiding my the CARES ACT. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have made an agreement with this debt collection billing company to pay off my debt. I have sent them a letter asking them to REMOVE my negative debt once it is paid off. It has been TWO months since I've recieved an answer. This is a basic right. I would like you guys to contact them and have them get this done. Please. 

I have made and agreement every XXXX and XXXX if the month I will pay XXXX $ for the exchange of this being removed from my credit. On XX/XX/XXXX, they accepted my offer. My last payment was made today XX/XX/2018. I am referring to XXXX. It also states on XXXX i owe XXXX but on their website where i make my payment it says XXXX. I want my money back if they are stealing from me. Please resolve this. This is fraud on their end. Thats a XXXX $ difference in my pocket. 

File Number : XXXX Creditor : CAVALRY SPV I , LLC, AS ASSIGNEE OF XXXX XXXX XXXX XXXX 
Total Due : {$810.00}

Company response to consumer: Closed with explanation