BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: CO
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:
I called XXXX in XX/XX/2019 when I was unemployed and let them know I needed help with my payments until I got back on my feet. They said they would take a lower payment but did not mention it would result in a late reporting. It was my understanding at the time that I was entering into a hardship program, but the payments they were taking did not help and actually hurt my credit. Their deceptive collection practices hurt consumers. 

XXXX then enrolled me in a balance liquidation program in XXXX or XX/XX/2019 to bring the account current, and the representative on the phone set up automatic withdrawals to make my monthly payments and. They said there would be a 3 month trial period, and the account would be brought current. I assumed since I had started making full payments again, these would be reported as on time, and I would only have 1 late as a result of the XX/XX/2019 deception. 

However, they continued reporting my account late during the trial period from XX/XX/2019 through XX/XX/2019 despite sending me a letter saying I successfully completed the trial period, and that my payments were on time. 

I believe this may have been as a result of the dates that were set up by the phone representative being past the due date for the given month. With that said, this is an error on the banks part as I had made payments as agreed. 


This has substantially damaged my credit more than it should have, and the information is incorrect as I paid according to the agreed terms. There should not have been any lates beyond XXXX 2019. The attached letters say I made on-time payments through 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 explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: MA
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 recently pulled my credit report and noticed credit inquiries, and accounts I do not recognize, they are unauthorized and NOT mine. I must have been a victim in a cyber hack or identity theft. These accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, As well as these NON-account holding inquiries with : XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX  PART These accounts are NOT MINE. I do not recognize them and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history your inquiry into my credit reports violates the 9FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these effective IMMEDIATELY! Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Resurgent Capital Services L.P.
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:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I made a purchase with XXXXXXXX  using my Venmo card. I received an email this morning XXXX, stating that my account was frozen, due to insufficient funds for my purchase of {$11.00}. I traced it back to the XXXX purchase. 
I contacted Venmo customer support and was informed that I AM responsible for the declined purchase, even though the funds were in my account at the time of purchase. I was informed that normally after 8 days of a held payment, that Venmo refunds the amount, WITHOUT cancelling the purchase, and WITHOUT informing the consumer. I'd like to mention that it was 3days they held it before returning it to me instead of the 8 )  .nSo I inadvertently spent the payment I was unaware was " returned ''. *There is nothing in my transactions that even shows the purchase now, nevermind the return* Customer service told me I'm still responsible for the transaction even tho I wasn't wrong, and that my account will remain frozen ( and unable to close ) until I repay them for THEIR mistake. I was repeatedly informed that this was a final decision, and basically they can do whatever they want. 
I have unlinked my banks from Venmo, and am so upset that this is falling to me, who was unaware anything was wrong in the first place. I'm attaching my transcript with customer support. She agrees with me completely, but says the responsibility falls on me anyways. 
Thank you for your time and help in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America Charge me several overdraft fees on my account the Charge me {$35.00} Overdraft Fee 4 Time and the bank is Refusing to give me a credit for those fees please help me with this I did not do anything wrong to get charge those fees on my 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 2020-12-10
Company: AMERICAN PACIFIC MORTGAGE
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am not able to pay my mortgage due to COVID-19. I requested from my mortgage company, American Pacific Mortgage for Forbarance provided by the Cares Act. Called them in early XXXX. I followed up about 4more times. On XXXX XXXX, I called again and they said that they finally put me on Forbarance. They told me it would not getting reported on my credit, that it would be on freeze. As of today, XX/XX/XXXX, i hav I have a delinquency report on my credit and I believe that they did not put me on Forbarance. I am currently XXXX  months behind on my mortgage and fear i will lose my 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 explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is very frustrating. I do not not know who to talk to. I received a new card and attempted to pay it before it was 30 days late. I received the card back in the summer of XXXX. My first payment was due on XX/XX/2023. I did not allow the day to end on XX/XX/2023 to make both payments of XX/XX/XXXX and XX/XX/XXXX at once. I gave the representative I had spoken to my ACH account information and the payment should have gone through. I waited a week or two for the payment to deduct itself from my account. It never did because it was one number off inputted by the representative I gave my account ACH information to. I should not be having a 30 day late payment for a mistake made by the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Equifax offered free credit monitoring/ID theft protection after they had a security breech. Their website gave instructions to enter your last name and SS # to see if your information was affected, then provided a date for when you should return to the website to enroll. I was given X/XX/2015 as the day I was to return to sign up. I followed the entire process, entering all the personal information required but when it came time to complete the process was unable to do so. I have called the Equifax call center twice, most recently this morning. I was told the only way to enroll was to go through the website, they suggested I try in the very early or very late hours of the day to enroll. This morning the woman I spoke to gave me the same response after I told her I had already made unsuccessful attempts. She stated there was nothing else she could do I just had to keep trying. I asked for a supervisor, was placed on hold for 35 minutes, the same woman came back on the line and gave me another number to call. I was never given the opportunity to speak with a supervisor and the number I was instructed to call has an eternal busy signal. I did everything Equifax asked me to do in order to be enrolled in their program. I started the process over a week ago, it is unreasonable to be expected to wait for protection indefinitely for a breech in security they are responsible for. I have no evidence to provide as the only way you can communicate with them is over the phone or via their website. Conveniently for them it does n't leave a record of communication with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Matter went to litigation in XXXX District Court with Plaintiff named as the original named creditor on my credit report. Upon review of my Answer ( denial of the allegations made ), Creditor consented to a full and final Dismissal With Prejudice. This matter has been Ordered Dismissed With Prejudice and without costs to either party by the Court. A copy has been uploaded to the Credit Reporting Agency but still remains on my credit report. This fraudulent debt should be completely removed from my credit report immediately.

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 2018-12-11
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and Department of Education/Nelnet and Nelnet Loan Services is reporting accounts that are not mine. I have  disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Bridgecrest Acceptance Corporation
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent written communication to Bridgecrest formerly XXXX on XX/XX/2018 requesting VALIDATION of the debt listed on my credit file according to the Fair Debt Collection Practictes Act. I did not receive a response from this company in the 30 days and this company still reports to the credit bureaus. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character. The office did not provide proper documentation that this debt belongs to me pursuant to the above names title.

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 2018-04-24
Company: EQUIFAX, INC.
State: MO
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:
There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Applied for credit extension with XXXX XXXX XXXX XXXX, ad was informed that they were denying the request and that decision was based upon information obtained in a report from the consumer reporting agency XXXX XXXX XXXX XXXX. The report indicated that due to length of time accounts have been established ; Too many inquiries within the last 12 months ; too many accounts with balances and amount owed on revolving accounts is too high. This information is in error. Equifax has connect my individual credit profile with the Trust : XXXX XXXX, which I am the trustee. See attached documents. Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 cash advances

Complaint:
Capital One allowed fraudulent cash advances occur without Pin from a stolen credit card. Without flagging the transactions. I reported the transactions and locked the card immediately. I called this merchants phone number. They told me this was a cash advance without pin that was signed and they faxed me the signature which isnt my signature. Yet Capital one sent me a letter stating no indication of Fraud? I never authorized this transaction on the stolen card. The letter states they had information which leads them to believe I benefited from the STOLEN CARD TRANSACTION. In another state. Not to mention I was never sent a fraud alert text to confirm this transaction because capital one never flagged it. This is fraud, and going against their zero liability policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax and XXXX XXXX XXXX and XXXX XXXX XXXX is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: CO
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:
I called XXXX in XX/XX/2019 when I was unemployed and let them know I needed help with my payments until I got back on my feet. They said they would take a lower payment but did not mention it would result in a late reporting. It was my understanding at the time that I was entering into a hardship program, but the payments they were taking did not help and actually hurt my credit. Their deceptive collection practices hurt consumers. 

XXXX then enrolled me in a balance liquidation program in XXXX or XX/XX/2019 to bring the account current, and the representative on the phone set up automatic withdrawals to make my monthly payments and. They said there would be a 3 month trial period, and the account would be brought current. I assumed since I had started making full payments again, these would be reported as on time, and I would only have XXXX late as a result of the XX/XX/2019 deception. 

However, they continued reporting my account late during the trial period from XX/XX/2019 through XX/XX/2019 despite sending me a letter saying I successfully completed the trial period, and that my payments were on time. 

I believe this may have been as a result of the dates that were set up by the phone representative being past the due date for the given month. With that said, this is an error on the banks part as I had made payments as agreed. 


This has substantially damaged my credit more than it should have, and the information is incorrect as I paid according to the agreed terms. There should not have been any lates beyond XXXX 2019. The attached letters say I made on-time payments through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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: Their investigation did not fix an error on your report

Complaint:
The information in a collection account on my credit history is inaccurate specially the date of first delinquency is too old, because it has been improperly aged by the collection agency, and Equifax doesn't remove it even after 3 trials for dispute! 

I have changed my address since XX/XX/2018, and I am sure that I have paid all received bills. Even my address has been changed, USPS is still forwarding all letters to my new address. 

This incident might be related to a most recent bill on XX/XX/2018 from a medical centre inside another medical center that I have paid the bill. I received it in my new address very late in XXXX, and I called them to send me a new discounted bill, because I have paid very similar service to the hospital where they are in. Meanwhile, I talked to my insurance for any adjustment. But it seems they finally gave it to a collection agency called XXXX XXXX XXXX ( XXXX ) without any notice. 

My concern is that XXXX did not send me any prior notice, and they just reported to my history to frighten me. By the law, " If an unpaid medical bill goes into collections, the collection agency must notify the consumer that the account was placed in collections. The consumer then has 180 days from the notification to pay the account before the agency is allowed to report it to the credit bureaus. Additionally, once a medical collection has been paid, the medical debt must be removed from the consumers credit report within 45 days ''. 

( 1 ) XXXX did not send any collection notice to me. 
( 2 ) XXXX altered the date of first delinquency. 

Anyway, I called XXXX to pay the bill as soon as I receive the notice. Meanwhile, I disputed the bill with all credit reporting agencies, because its information is inaccurate, and it hurts my score a lot, as I never had any credit issue. XXXX  and XXXX  removed it from my history, but Equifax did not even after 3 trials! 

Please investigate this incident and let me know what to do next. Thanks for your support. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Didn't receive services that were advertised

Complaint:
OnXX/XX/XXXX I went to the TransUnion website to freeze my credit. I followed a series of links that based on their names and descriptions led me to believe I was paying a 1 time fee to freeze my credit. OnXX/XX/XXXX, I received an e-mail from TransUnion thanking me for signing up for a {$19.00} / month credit monitoring service that will be automatically charged to my credit card.
This seems to be hugely sleazy and deceptive. The links I followed were clearly designed to appear to be accomplishing a one time freeze of my credit information, it did not clearly state anywhere that you were signing up for a monthly billable service. Shamefull in light of the current demand by people to freeze their info in light of the XXXX  hacking.
I did go on line, and after much searching, found where I could cancel the monthly service .... but I still am stuck paying for the first month.
Somebody needs to hold these crooks accountable!

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There is incorrect personal 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 non-monetary relief