BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX Company Inquiries : 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 2020-12-02
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am filing this complaint because TransUnion had a computer glitch that caused my inquiry to be deleted and then they later re-added the inquires without providing me with the legally required written notice five business days of the reinsertion ( FCRA Section 611 5 ( b ). I contacted TransUnion and spoke with several customer service representatives who were able to confirm that the Security Breach happened not once but twice in XXXX and XXXX. With good faith, I asked them to have the inquiry removed due to it being illegally re-added. However, they refused to fix their error on my credit report. I asked to speak with someone in the Special Handlings department and was left on hold for 45 minutes just to be hung up on. This is suppose to be a respectable Credit Reporting Agency yet they are violating consumer rights and victimizing us. This company should not be able to get away with this.

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 2020-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax and XXXX  monitor my credit. At the start of 2020 my credit score was XXXX. Over the year it has steadily dropped down to XXXX. Why? I called Equifax and they want me to pay {$15.00} to receive a detailed review. I am not paying Equifax anything. I am trying to buy property so this issue is imperative now. There's an issue of {$290.00} decrease in credit for which I have no knowledge. I opened two credit cards this year and after THEIR mistakes, I closed both accounts. Apparently closing a credit penalizes the consumer. WHY? My money, my choice, no penalty should be involved especially when no reason for cancelling the account is due to credit company errors. There is NO REASON my score should be steadily dropping. I have no outstanding loans, my house is paid in full and I have NO BALANCE DUE on the one credit card I have, although Equifax has me listed as having two credit cards, and have no idea what they're talking about. I do not like nor want any credit cards because I refuse to pay interest, but keep one open for emergencies, just applied for one and was DENIED. Where do these credit bureau obtain their information and WHY? It seems these bureaus are XXXX and the consumer is left in XXXX on their word. It also appears there is no where to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: AZ
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:
Hello, I have 2 student loans showing on my credit reports that are NOT mine! I believe they belong to my ex-wife and step son. I have NEVER authorized any loan nor did I ever sign any loan request paperwork. Would you please help me get this off of all 3 credit reporting agencies? Thank-You very much, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Account Number XXXX, amount of student loans totaling XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Navient misallocated my payments, steered me ; a struggling borrower toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. Also credit scored dropped 46 points with XXXX  due to reporting from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: AMERICAN EXPRESS COMPANY
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: Problem with customer service

Complaint:
Please refer to complaint XXXX which was closed but not solved XXXX by American Express will not allow use of deposited funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2018-07-16
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
This Navy Federal account # XXXX or account # XXXX has been paid-in-full. Navy Federal was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
The account being reported by XXXX XXXX, XXXX is not valid. The XXXX XXXX  credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX  is in breach and XXXX XXXX, XXXX is attempting to collect a invalid debt.

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 2021-02-23
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was phoned by someone claiming to represent the XXXX XXXX XXXX XXXX of the U.S. Treasury Department concerning transfers I have made through Western Union. What's suspicious is when I sent a message to XXXX officially enquiring as to the person, their phone number, and the case number they referenced, they sent me the following. 

" Good day, " XXXX  does not send unsolicited requests and does not seek personal or financial information from members of the public. Those who believe that they have been a victim of a financial scam or fraud should report this information to local, state, or federal law enforcement authorities. XXXX is not an agency that can investigate such matters or impose criminal penalties. For additional information, please visit the Consumer Financial Protection Bureau website, which contains resources for detecting, preventing, and reporting fraud and scams. '' Upon calling the person back and asking for his government email, he hastily excused himself saying " Let me call you back. I was just about to call you. '' This person knew my phone number, current addresses, and the name of the transfer recipient through Western Union. Note, the recipient 's full legal name has an extra name he did not mention. He used the name Western Union uses, making me think he illegally obtained data from Western Union.

He specifically cautioned me against people calling from Western Union as there was a lot of such fraud. If he himself was a fraud, it could be to thwart investigation into his illegal scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: JPMORGAN CHASE & CO.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off loan in XXXX -- Have not received the Title. Talked to JP Morgan / Chase 6 times. Long story short lots of promises still no title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a notice in the mail on XX/XX/2019 from Jefferson Capital Systems, LLC for a debt of XXXX. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for XXXX The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for XXXX. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history.Unexpectedly onXX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX  requesting XXXX for the balance owed to Jefferson Capital Systems, LLC. Infuriated that Jefferson would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted XXXX XXXX XXXX XXXX  and spoke with XXXX. I explained to her the situation and asked her if they could review my call with Jefferson to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with Jefferson and I would receive a call back. The XXXX is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so todayXX/XX/2019 I called XXXX XXXX XXXX XXXX  again at XXXX requesting an update and the representatives are telling me they cannot locate an account for me. This debt of XXXX has significantly decreased my credit score and I want it removed! Please help me! I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: STATE FARM BANK, FSB
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
the payment books ( 2 ) the payments was {$290.00}. I paid {$300.00}. every month the last page was blank that was # XXXX. went to insurance office for help finally walled the bank they said mail copy of payments the last payment was {$420.00} it looks like a ripoff to me. the bank state farm also gave me the third degree when I called never any problems with other banks

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 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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: Was not notified of investigation status or results

Complaint:
I sent a dispute to Trans Union LLC on XXXX XXXX. It was sent by Certified mail with a return receipt. It was stamped as received by Trans Union LLC on XXXX XXXX. I have still yet to receive a response to my dispute. I feel like my rights under the FCRA have been violated due to their disregard for federal law.

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 2020-11-10
Company: ENCORE CAPITAL GROUP INC.
State: KS
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:
The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My payment due date on my CapitalOne Venture One card wasXX/XX/2019 The balance due was XXXX. I am enrolled in Autopay. In order to avoid this amount from being withdrawn at one time, I paid XXXX on XX/XX/XXXXand XXXX onXX/XX/XXXX. OnXX/XX/2019 the amount of XXXX was withdrawn from my checking account as the Autopay. When I called CapitalOne the first clerk stated that my credits should have been reflected against my XX/XX/XXXX statement. She had to place me on hold to get assistance explaining why this was not the case. It was explained to me that my payments were being applied to current charges and not my statement. I stated that if the Autopay is able to adjust for credits from merchandise returns it should reflect payments made by me. CapitalOne agreed to refund my XXXX   payment made on XXXX XXXX but stated this will take 10 business days to post to my account. My concern is that this is deceptive. After reading the AutoPay Terms and Conditions, I do not believe CapitalOne is adhering to their own terms and conditions. After speaking with a CapitalOne representative she admitted there is a "glitch" in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CAVALRY INVESTMENTS, LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recieved a notice from all 3 credit reporting agencies about a debt from Cavalry Portfolio Servic. Cavalry Portfolio Servic  did not send any notice to me. They open a collection account on all three credit agenices. I tried to dispute the debt through the credit agenices as this company never provide any information to me nor gave me a 30 days to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: KS
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:
The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. 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 2019-03-07
Company: Monterey Financial Services LLC
State: IA
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 company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
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:
When I lost my job in XXXX they offered me a payment arrangement but I would have to close my account and the minimum payment would be {$25.00} for 12 months with a lower interest rate. I set up auto pay with a bank account but I had a fraud issue so I closed the bank. I CHANGED THE ACCOUNT INFO. I opened a Wells Fargo bank account so the auto pay would come out directly. I explained to the XXXX XXXX XXXX On XXXX location and they reassured me it would all be set up. The bank did not set it up and I pay the {$25.00} AS AGREED and every month it is higher saying Im behind now putting it on my credit saying past due over 90 days! I have called and cant speak to this department because I now work Im an essential worker and the hours i get off they are closed. I called early XXXX AND XXXX and got transferred 5 times put on hold and disconnected. They sent letter finally but no resolution past XX/XX/XXXX. My credit is still messed up. Plus they put on my credit that grantor closed the account. I agreed to close the account I said I want to close it and go on this payment arrangement they make it look like Im not paying and they closed my account. Im going to close my bank account now. Im furious They make mistakes. Im lied too. The bank associate opened my bank account and says my certified checks are free. The first one I do they charge {$15.00}. The rep calls me he made a mistake about my address in my profile and my account will be closed if not fixed. I tell him the issue and he never corrects it. The credit card company and the bank both constantly make mistakes and dont fix them.

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