BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: WI
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:
To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX  -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. Equifax is reporting a balance of {$22000.00} with a current payment status, XXXX  is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Investment Retrievers, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX XXXX XXXX XXXX from Investment Retrievers contacted my brother about a debt they claim I owe. They contacted my brother at an email that was never provided to them. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also contacted my brother about a debt on behalf of Investment Retrievers. They contacted him at an email that I never provided. 

XXXX Investment Retrievers is based out of XXXX XXXX XXXX XXXX XXXX XXXX is based out of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: TN
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:
not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: JPMORGAN CHASE & CO.
State: MA
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:
Quick Summary : Purchased Disputed the Amazon Refunded on XX/XX/XXXX Chase returned payment to Amazon on XX/XX/XXXX ( via letter to us. Rebill was noted on XXXX statement between XX/XX/XXXX and XX/XX/XXXX ). 
Redispute declined by Chase ( via letter of XXXX, XXXX ) Email on XX/XX/XXXX from Amazon states that Chase returned money to them and they consider the matter closed and will not refund the money back to our account. 

Detail : XX/XX/XXXX : Purchased an adjustable bedframe through Amazon third party seller. Third party sent incorrect frame ( lesser quality model ). I requested a refund through Amazon. The third- party seller either ignore my requests for proper return shipping and schedule pick-ups or continued to send me the parcel select label from the USPS . This method only allows for a max of 70lbs. The item is 114 lbs. Finally, on XX/XX/XXXX, Amazon and the third party agreed that they would permanently refund my money and that I did not need to return the item. 

Prior to the refund going through, I filed a dispute with Chase, the credit card I used for the purchase. When they asked for documentation, I sent it through my accounts secure messaging system noting all of the communication I had with Amazon and the third-party seller up to that time ( prior to XX/XX/XXXX ). 

XX/XX/XXXX, we received notice from Chase that Amazon verified that the charge was valid ( not ever mentioning the communication I had with them and the third-party seller ). When I called Chase, they said they never received my documentation but said I could submit a redispute, which I did. I sent all information, including documentation of the permanent refund on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase stating that they again denied my dispute and that the charge will stand. They said that since they already returned the money to Amazon, they cant take it back again. Similarly, Amazon said that since Chase returned the money to them, they cant give it back again. My wife and I have called Chase several times to address all of this and even the dispute manager is refusing to acknowledge the documentation I submitted during the redisupute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25
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:
IN A PAST I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY PERSONAL INFORMAITON WAS USED TO OBTAIN CREDIT AND SERVICES WITHOUT MY CONCENT. I HAVE CONTACTED THESE CREDITORS AND SENT THEM AN IDENTITY THEFT REPORT REGARDING THIS MATTER. THESE CREDITORS AGREED TO DELETE THEIR INFORAMTION FROM MY REPORT BECAUSE IT WAS OPENED UNDER FRAUDULENT ADDRESS AND EMPLOYMENT. WITH THE SAME INFORMATION I HAVE CONTACTED THE CREDIT BUREAU BUT THEY ARE REFUSING TO REMOVE THESE FRAUDULENT ACCOUNT FROM MY REPORT. THERE ARE THREE ACCOUNTS WHICH ARE FRAUD RELATED AND BECAUSE THIS FRAUDULENT INFORAMTION I AM NOT ABLE TO OBTAIN MY STUDENT LOAN TO CONTINUE MY EDUCATION. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Javitch, Block & Rathbone LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was looking online and found a Motion for Default Judgement for failure to appear in court. It is noted that I was served at an address I have not been in the vacinity of for nearly 2 decades. I believe this to be an attemp to prevent me from disputing the debt by purposely sending mail and court inormation to a place that I do not reside. These individuals are using unscrupulous, deceptive, and probably unlawful tactics to obtain a judgement for money I do not owe. Filing a complaint with the Indiana/Ohio Bar Association is next.

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 2023-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is against Sallie Mae , Inc. and XXXX XXXX XXXX XXXX. I previously had a student loan through Sallie Mae that was paid/satisfied for {$940.00}. My bank, XXXX, was able to confirm this on a credit report from XX/XX/XXXX, when I was working with them as a first-time homeowner. In order for them to finance my house I could not have any open judgements.

I'm currently in the process of selling the house that was financed. On  XX/XX/XXXX, my realtor stated that the closing attorney located a judgement against me that would need to be paid from my closing proceeds. He sent me a copy of the judgement and it was the same one from Sallie Mae that was paid/satisfied years ago, except it had accrued interest. The balance was now {$2000.00} ( {$2000.00} by the time of closing ).

When I contacted Sallie Mae they stated they had no record of the  loan. They transferred me to Navient who also stated they had no record of the loan, so they transferred me to XXXX. XXXX was able to verify that the loan was sold to XXXX XXXX XXXX XXXX, so I requested that they contact me to discuss. When I spoke with XXXX XXXX XXXX XXXX  they stated they received the loan for collections in XXXX from Sallie Mae and had no record of a payment. I told them about the loan showing paid/satisfied on my credit report 7 years ago. The representative stated the credit report and/or a statement from the bank was not enough. I would have to provide a copy of the actual payment directly to them or Sallie Mae. The representative was very rude and stated " the issue is the loan was never paid in the first place '' meaning she did not believe me. I have been calling XXXX XXXX XXXX XXXX  and Sallie Mae for over a week trying to resolve this issue. None of the information or lack of information from both companies makes any sense. Since the judgement was

sent to my County 's Clerk of Court for civil processing directly from Sallie Mae , Inc., they should have a record of my loan account and the payment history. I just moved out of the house into an apartment for the closing, so all of my previous mortgage and student loan docs are in storage. XXXX stated they would try to search my checking account for transactions. However, it could take awhile since I'm unable to
provide any actual payment dates. I graduated in XXXX and the loan had to have been paid off between then and XXXX. The sellers closed on the house today and the loan payoff was taken out of my closing proceeds. I would like CFPB to investigate this unfair business practice of trying to collect on a loan that has already been paid/satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We just received a loan denial. The reason : since per XXXX guidelines the waiting period for the XXXX XXXX XXXX XXXX 2nd foreclosure has not yet been satisfied XX/XX/XXXX The foreclosure by the condominium association on property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX was executed on XX/XX/XXXX. 

XX/XX/XXXX My wife received a discharge of debtor chapter XXXX on XX/XX/XXXX, which included the debt from property located at XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX FL XXXX, ( please, see Discharge of Debtor, attached ). 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a 2nd foreclosure on the same property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The current owner which purchased the property from the condominium association, cited a case in their defense that the mortgagors Us had to actually sell the property without the Banks consent in order for there to be a violation or default of this term due on sale of the mortgage agreement. 

XX/XX/XXXX The judge ruled that the Banks claim of violation because of the condominium foreclosure action and subsequent sale of the property to the current owner was not a valid default and accordingly their basis the foreclosure claim was denied. This final judgment closed the foreclosure case with the bank not being able to have the property sold at a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: PNC Bank N.A.
State: MI
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:
paid off a home equity account on XXXX to XXXX XXXX who was a debt collecter for PNC bank for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to XXXX associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from XXXX is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX XXXX and I have debit from them. I have a degree with them but it is no good and they conned me into going to this school and then closed. Now Navicat has nothing to work with me. I need forgiveness. Can someone call me to better explain XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have noticed that WEST LAKE PM have reported late/missed payments. the problem is i have no idea of who they are or what my debt to them could be. I have not applied for credit or taken out a loan with them or have had any kind of correspondence with them at all. I don't even know if its legal to just report false information that damage ones image or reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Fleet Financial Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX I received an email from iLendingDIRECT stating that I had been declined credit and that they had pulled my credit report for their review. The issue at hand is that I never applied for credit with iLendingDIRECT and had never applied to refinance my vehicle as they stated was the purpose of the loan. I contacted the company demanding a retraction on my credit report, and inquired as to why they would pull my credit without my permission. After blocking my emails initially, I was phoned twice, the first time to speak concerning the issue, the second to extend an offer for credit, I have the voicemails of each saved, remember they already declined me the day before. I wrote again explaining I needed to be contacted by email for hearing reasons. Since then I have received several emails blaming some other company I had never heard of and denying any responsibility for pulling my credit report as their letter clearly states they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CDI Affiliated Services, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt Collector : CDI Affiliated Services XXXX XXXX XXXX, ID XXXX Date of Statement : XX/XX/2021 Amount of alleged debt : {$4900.00} Reference number XXXX Date of Service : Not included on the statement - unknown Provider of Service : XXXX XXXX XXXX  Reference number XXXX I received a notice from the debt collector CDI Affiliated Services, XXXX XXXX XXXX, ID XXXX. on XX/XX/2021. I responded on XX/XX/2021 with a Debt validation letter asking for an itemized breakdown of the charges and fees, a copy of my signature with the provider of service to release my information ( HIPPA ), and proof that this company has the legal authority to collect debt in my state. I also asked that all communication is through letters. ( I copied the FTC Debt validation letter ). I sent it a certified letter.

I followed up 3 weeks later with a call to see if they had received my letter and when would I receive a response. I told them that the phone number that I was calling from was for work only and that I only wanted to communicate through the mail. I was told on the phone that my letter was received and being processed. 

I was assured that I would receive a response to my letter. the phone call ended. 
The next day I started receiving 3 calls a day on my work phone.

two weeks late I received another bill with a breakdown of cost for a procedure that I never received. I did not receive a copy of my signed HIPPA release authorizing the release of information to a third-party creditor, and I did not receive proof that this company has the legal rights to collect debts in Oregon.

I did not have the services that they are saying that I had. I am too afraid to call because I am still getting two to three calls a day from them at XXXX. 

I sent another certified letter and I have not received any response. I am sending the second letter again tomorrow in hopes that this can be resolved. 

Now the company has reported the debt to the collection- this is against the Fair Credit Reporting Act. I had asked in the debt validation letter to Cease any credit bureau reporting until the debt has been validated by me. 

The company has not complied with any of my requests and instead, I am receiving multiply calls from the company as a harassment tactic. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card account with Discover and I had deselected autopay in their app on the XXXX of XXXX of this year. The beginning of XXXX I am charged again, so I go back into the app to deselect autopay and find that I can not so I assume that I misremembered and logged in online through my browser. The option to unenroll from autopay displays in the browser so I deselect it and save changes and assume that everything is done. I truly believed I had misremembered due to stress. I had 8 years experience with being lied to and misdirected as of last year, I won't let anyone treat me like XXXX had ever again, and I spend 4 days ruminating about if I actually misremembered or was I remembering correctly. XXXX I am charged again, but this time I know I've unenrolled! I log into the app, no option to unenroll displays but instead a link to a help article and I am frustrated. I delete my financial institutions from the Discover app, and call customer service. The representative can only see when I've logged into the system, and dates are missing, and I request to have my call transfered to a tech dept or similar as the issue with autopay is not a user error and I need those funds back to file in court against the company that over-charged my Discover card! My call is disconnected after the person I am transferred to confirms my account and identity. I had been allowed a refund, which has posted to my account, but I know others who have had similar functionality issues with financial institution digital access portals, and do not trust Discover to take me seriously. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was checking my credit report and I realize that my credit score is super low! Where did you get this information I didn't applied for anything. I believe that someone used my personal information

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 2023-07-04
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account number:XXXX Account name : XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation