BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-07
Company: EQUIFAX, INC.
State: NY
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 had disputed a remark that was on my equifax credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again equifax has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX department store months ago.i dont no why equifax put this remark back on my report. This is wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency called The Bureaus Inc. put a collection on my credit that is not mine. It is fraud. They never informed me that they were putting anything on my credit. They just did it. I have asked them to remove this fraud and they refuse to do so. This agency is not legal or bonded to collect in my state. They are in violation of the Texas Finance Code

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Cabela 's Club credit card which I have had for approximately 15 years ( maybe longer -- I don't recall exactly ). Until recently, this credit card was a Visa card. I have never had a problem with Visa in all of those years. Note also that my credit rating was over 800 last time I checked. Anyway, Cabela ' recently changed the Cabela 's Club credit card to a Master Card serviced by Capital One. 

On XXXX ( or possibly a day later ), using the Capital One pre-printed supplied envelope, I sent in a payment of {$400.00} using a money order. 

Capital One claims they never received this payment. However, the money order was stolen, altered, and then cashed by someone else. I have a copy of the cashed money order sent to me by XXXX. It even still has the last 4 digits of my credit card number on it written over with a signature. The rest of the information on the money order looks to have been " whited out '' and written over. 

I find it hard to believe that a USPS postal worker randomly stole the envelope I sent through the USPS with this payment, opened it, took the money order, altered it, and cashed it. Note that I took the envelope to the post office to mail it. I did not send it from my home mailbox. 

I believe the payment arrived at the Capital One payment processing office, it was stolen by someone there, and then cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: PNC Bank N.A.
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 status incorrect

Complaint:
My wife and I have been negatively impacted significantly by PNC bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called PNC to dispute these reports, however they stated that they do n't discuss these issues with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Healthcare Collection LLC is reporting a collection account on my credit report. Ive contacted this company in the past and advised them I dont have an account with them and have no knowledge of this debt. I requested verification of this debt and never received anything from them. Ive contacted the original creditor listed on my report ( XXXX XXXX  ) and they said they dont have any accounts for me under my name, SSN, or phone numbers. I do not have any account, contract, or business with this debt collection company and they have no right to report negative information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sold this account to XXXX XXXX which are 2 accounts that does not belong to me. I called XXXX only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is these accounts not mine but XXXX XXXX is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX and XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved. I have been living at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX for decades until moving to XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XX/XX/2017 to present.

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 2017-12-07
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had my wife contact this company concerning a debt that they are reporting on my credit with XXXX XXXX XXXX as the original account owner. My wife informed them that this was my mother 's loan and that she filed bankruptcy so I am not responsible for this account. XXXX XXXX, the collection agency reporting on my credit is also not Surety bonded in the state of Texas and per the Texas Finance Code Section 392.101 they can not legally collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 've been requesting to change Income Based Repayment ( IBR ) to Pay As You Earn ( PAYE ) for federal student loan debt for months on end. I have been dealing with multiple representatives who have run me in circles faxing application forms and have been repeatedly told they were not received or they had other complications with them. Their solution at multiple steps was to go into a temporary forbearance and add to my interest while they took the time to get the applications completed. At this time I 've been on the phone with them and was told that they still have not been able to change my plan, that to do so I would need to make some sort of payment and go on a forbearance for a 3rd time until they can change me to a plan I can afford, which is estimated to be XXXX/XXXX/17. I 'm not sure at the moment how much interest has accrued over this long fight but my loans are over {$400000.00} total so I 'm sure it 's not a small sum and there seems to be no accountability on the other end of these dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX- {$30.00}XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX - {$30.00}XX/XX/XXXX- {$30.00} XX/XX/XXXX - {$41.00} Asked reporting agency to validate debt by providing copies of original statements/ signed contracts. Company failed to provide such information. I also requested a copy of letter explaining they were attempting to collect as I never received one copy. Reporting agency stopped answering my calls and emails. I also contacted their client and requested for them to send me a copy of original invoices for which the stated they didn't have any available, I never received these invoices and went on a weekly basis to this place for therapy and they failed to inform me I owed anything as I have insurance that should have covered these charges. Reporting agency is also reporting several different accounts for the same issue. The first time I learned about the collections was in late XX/XX/XXXX, I had to call the reporting agency as I never knew this was on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
OnXX/XX/XXXX, I call American Education Services to talk about lowering my bill or getting a better interest rate. I spoke with someone on the phone stating that because my Loans were current that I had no options, and that I needed to let them go delinquent to get any type of assistance. The following month I called, again I was told, the longer you let it go, the better options you have. I kept letting it go, to see if I could get any help and each time I have been rejected. I even wrote an email to the lender through the company and hear nothing back. I now have a total of {$4400.00} PAST DUE, and spent an hour again on the phone with the company and she again told me there were no options and the past due balance will remain. She advised that I speak with a student loan consolidation company. In total I borrowed {$48000.00} dollars for college. Since 2005 I have been paying my loans on time and have only paid {$15000.00} in the principle balance with {$22000.00} going towards interest! This is on a {$48000.00} LOAN! I have been left with no options but to let this go delinquent because this company refuses to work with me. I really NEED help, I need to get this interest lowered, and get my loans in current status with better assistance. PLEASE help, the only reason I stopped paying was due to XXXX XXXX and having to pay medical bills so that I could keep seeing the doctor. This is urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX I disputed an incorrect mispayment error on my credit report submitted by XXXX XXXX because they were angry that I closed a credit card account. I disputed the action with Transunion and they lowered my credit score. Now again in XXXX, I disputed a different error and once again, Transunion downgraded my credit score from that same XXXX missed payment error. How come they are allowed to continue to lower my score after already punishing me for it a number of years prior? All the other credit reporting agencies have fixed the error with the XXXXXXXX XXXX miss payment reporting except Transunion and every time they review it or I bring it to their attention, Transunion continues to lower my credit score even more. I almost lost a job because of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 signed up for TransUnion in XXXX and I didn't need to use their credit report services any longer after accessing my report. I only wanted to check my credit score and I didn't realise I would be billed every month. 

I wanted to cancel the service because I was being billed automatically each month on my credit card. However, I couldn't find information on the website about cancellation. They have a FAQ section on the website but it doesn't contain cancellation information. Due to my work schedule and time zone I am in I'm in I wasn't able to make a phone call to find out what to do. They kept charging me each month and finally, after XXXX searching and searching I found a way to cancel online. 

TransUnion have a hidden page that you can't find a link to on their website, or that I could find in all of my searching. I found the direct link to the cancellation page on a XXXX thread written by other upset TransUnion customers. 

I'm extremely unhappy about my experience. Forcing people to call or search all over the internet to find a way to cancel a service is unfair and discriminates against people who are unable to speak on the phone or navigate the web with ease. 

I ended up being billed for 3 months by TransUnion. I realised after 2 months of being charged what was happening. I don't think it is fair to consumers ( especially who are concerned about their credit scores and don't have access to extra funds ) to create a system that is hard to navigate and find a way out of.

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 2019-04-07
Company: FC HoldCo LLC
State: IL
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:
We have had problems with XXXX XXXX XXXX for years. We have never missed or been late with a payment. We make a {$100.00} payment automatically deducted from our account, and have never varried. These payments have not been applied correctly to our account, resulting in them accusing us of missing and late payments. On At least two occasions we have had to research our accounts and go through our payments to provide copies of the front and back of each check. After we have provided this information they corrected our account to match the true payments made. We have had a terrible problem with their customer service and have not been able to get a single point of contact resulting in hours and hours of repeated conversations. Our first set of checks were sent to them in XXXX of XXXX, and finally again XXXX of XXXX. I have all of the information that I have sent to them if you are interested. This month, while our paperwork was accepted, they filed on our credit report that we were 30-59 days late with our payment. We disputed with the agencies and called the company but they reaffirmed the late payment, not to mention that the overall balance listed was higher by about {$1000.00} than what we really owed. I am tired of fighting with them only to have innacuarate information posted to my credit report while they know this has been a problem with their accounting. If we had not checked into this problem they would have kept our money and never applied it to our account. To me that is fraud and considered illegal activity. I have attached a photo of our account statement showing a negative balance due. This is not because we suddenly paid extra money. This is because they correctly applied the money we have already paid, every two weeks since the inception of the loan.

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 2018-12-06
Company: Financial Assistance Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Financial Assistance Collection agency is currently reporting a collection on my credit report for the amount of {$990.00}. I understand that as a consumer it is my right to challenge items on my report that i believe is incorrect therefore I sent out a second round of a debt validation letter asking the agency to prove to me that this debt is mine n XX/XX/2018. I sent this letter certified mail with a return receipt and have seen that this company have received my dispute but has yet to answer me and it has been over 30 days. They also have not updated the account to say that i am currently disputing this item which is a violation on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
1 ) XXXX XXXX ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 )  Santander Consumer USA ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/17 I received a letter from XXXX XXXX XXXX XXXX stating that I owed XXXX but the name on the account is not my name and would like it deleted off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX Loancare bought our mortgage which was 1 month after we closed on our original mortgage. In XX/XX/XXXX we recieved an Escrow refund after property taxes and homeowners insurance were paid. This refund was more than {$2700.00} They kept our escrow account funded with more than {$1200.00} Our Homeowners Insurance and Property taxes are approximately {$1100.00} per year total. 
In XX/XX/XXXX I called Loancare customer service and asked for a new Escrow Analysis so that our monthly escrow payments would be corrected so we are not paying a gross overpayment every month in our mortgage payment. They asked me to mail them a copy of our homeowners Insurance bill and our property tax bill which we did. We did not recieve a reply at all. 
XX/XX/XXXX I called Loancare 's customer service department and asked if I could have a new Escrow Analysis and I was told I could. XX/XX/XXXX I recieved in the mail an analysis statement which shows a projected amount for property taxes as {$2900.00} and the actual amount paid is {$300.00} I am a XXXX XXXX XXXX  XXXX Veteran and XXXX   charges me minimal property taxes. 
Loancare is charging us {$310.00} per month to fund our escrow account which only needs about {$120.00} per month. 
I would like for Loancare to recalculate our escrow payment and adjust our mortgage payment accordingly. Why they feel the need to overcharge our escrow account when our property taxes and insurance costs are in black and white is beyond me. Don't they have competent accountants? I do not need Loancare as a savings account. 
If Loancare can not correct this I will file a complaint with the XXXX and XXXX  AG. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: CA
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 submitted disputes to you and I didnt get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
Ref : Acct ending in # XXXX  for a Discover Credit Card is issuing a collection that was original date as of XX/XX/2002. this accpunt is still reporting almost 16 years after the fact. This colcetion was chraged off by creditor over 15 years ago and is still being reported as derrogatory in my XXXX  credit report.

Discover is in full violation of the fair credit reporting act ( FCRA ) Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) as the time has elapsed for this item to continue on my credi and personal history. this is adversely and without merit affecting my excellent credit as of the last 10 years.

I need discover to remove this item as collection from my equifax history immediately and or be penalized by CFPB for violations of FCRA for the past 8 years of reporting eroneously stated information.

Company response to consumer: Closed with explanation