BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: VA
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:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Experian Information Solutions Inc.
State: TN
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 have wrote your company several times. I'm not sure if you are getting my letters are not. I would like my credit report properly investigates. I have took a look at my credit report and carefully went through each account. I want to know did you properly investigate these accounts. Some of these accounts report that how I was making on time payments one month then the next month it says 120 days late. The payment history is reporting inaccurate. the date of last active date I have circled and noted for you that its inconsistent

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 2021-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE REPORTED THIS TWICE TO DISPUTE TD BANK/TARGET ACCOUNT HAS NEVER BEEN LATE. THESE BUREAUS EQUIFAX AND XXXX COMPLETELY DISREGARD THE FAIR CREDIT LAWS AND CONTINUE TO REPORT FALSE INFORMATION. I WILL SEEK COUNSEL TO FILE A LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I've had this account since 2012. I've never missed a payment and often made more that the minimum payment. Over the course of having an open account I've paid the balance off several time.I hold a Platinum XXXX XXXX with no limit so my credit score is above average. Despite the aforementioned facts, I noticed that the balance on my account was not dwindling as I expected. The account has a purchases balance and a cash advance balance. Apparently, the company decided to allocate the payments to the lower balance and any amount over that to the higher balance. The problem I have with the account is as I began to increase the amount of my monthly payments which should have caused the account to be paid off at a higher rate, they chose to raise the interest rate on the account which had the affect of making it more difficult to pay the account off. When I inquired into the reason of interest rate increases I was told they were based on the prime rate in the XXXX XXXX XXXX. The problem with this explanation is that the prime interest to which they referred, increases and rises based on various economic factors. Given the fact the the countries economy was in a recession and the interest rates were at a historical low for the better part of the last twelve ( 12 ) years, I never received a rate reduction. Instead the interest rate associated with the purchase balance increased approximately five ( 5 ) percent from 17.9 to 21.9 while the interest rate on the cash advance increased approximately five ( 5 ) percent from 21.9 to 26.9 as well. These are the types of interest rates that one would expect to receive when hey are attempting to build up their credit not for someone that has a impeccable credit core and and a exception payment history with this institution. I would expect my interest rates on this account to decline not increase. Thus, the increased the interest on my account somewhere in the neighborhood of ten ( 10 ) percent during a time when interest rates were a historical low. All this occurred without the company notifying me of the steep hike in my interest rates. For those that are acquainted with who interest rates works, a increase of one ( 1 ) or two ( 2 ) percentage points has a profane impact on the amount interest charged on the account and my account increased around ten ( 10 ). This is nothing short of predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
Filed a dispute in XX/XX/2020, with Equifax asking them to delele the Bankruptcy that appears on my credit report as inaccurate. I received the results back stated that they verified the information thru XXXX, however, my XXXX credit file has a freeze on it. Under the Fair Credit Reporting Act, Under the security freeze XXXX can not release any information in my credit file without express authorization. I want this bankruptcy deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Freedom Mortgage Company
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a VA Mortgage through Freedom Mortgage and in XXXX did an Interest Rate Reduction Loan ( IRRL ). Previously I expressed on what I was told on " recorded telephone lines '' to remove my phone number, email, and mail from any further solicitation. I was assured in XX/XX/XXXX that my name was removed to " no further be contacted ''. Since I have been contacted several times by representatives of Freedom Mortgage trying to solicit me to take out an equity line of credit on my residence. In the past 24 hours I have been contacted two times ( XXXX XXXX and XXXX XXXX ) with these services even though I have requested several times not to be contacted. I contacted Freedom Mortgage today at XXXX XXXX. using phone number ( XXXX ) XXXX and again was told on a " recorded line '' to be removed from all solicitations. This happened to me in XXXX and I took out an equity line of credit before the housing crash, resulting in liquidating all of my XXXX and savings to pay off the mortgage in order to move to another state. This is the same strategy that occurred then and will more likely happen in the near future, resulting in over valued homes and the collapse of banking industries. I do not want to be contacted and feel Freedom Mortgage is preying on Veteran 's trying to have them take out monies on the equity of their homes, which I feel is predatory.

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 2020-06-07
Company: AES/PHEAA
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 filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

FEDLOAN SERVICING XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX  XX/XX/XXXX {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2019-01-10
Company: Experian Information Solutions Inc.
State: NJ
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:
I notice multiple inquiries from the following companies on my credit XXXX XXXX ... .XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ... XX/XX/XXXX & XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  ... .XX/XX/XXXX XXXX XXXX XXXX XXXX ... ..XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/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 non-monetary relief
Consumer complaint received 2020-05-03
Company: SCA Collections, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not recall receiving any info telling me that this bill was in collections. I happened to look into my credit report and saw that this has been reporting for several years. Since it was a low amount, I called the company and simply paid the bill. Even though I was not aware from which it came. After paying this, I contacted the company with no avail. It is still reporting negatively. Please look into this matter and contact me in the upcoming weeks as I am attempting to work on my credit score. Thank you and I am looking forward to hearing from you soon.

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 2021-10-13
Company: Experian Information Solutions Inc.
State: NV
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:
In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processes on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72points. In addition I verified that for months XXXX, XXXX, & XX/XX/XXXX no payments has been reported as per the installment agreement arranged in XX/XX/XXXX ... On Time reporting for covid 19 reasons. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XX/XX/XXXX and they were successful in getting my XXXX XXXX account corrected with XXXX only. The accou nt was corrected with Experian, however after after 45 days the incorrect information came back. XXXX has remained unchanged after several attempts to resolve directly with XXXX 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 non-monetary relief
Consumer complaint received 2018-04-18
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a credit alert from XXXX stating that there were changes on my credit file. Upon logging in, I noticed a 47 point drop in my credit score that resulted from Midwest Recovery Systems claiming that I owe {$510.00} from 2012 on an account with XXXX XXXX. I have never done any business with this company so I decided to look further into this Midwest Recovery Systems reputation to find out that Im not the only one targeted by them. This company searches the records of people with good credit and puts accounts on their credit file ; hoping that theyll pay. I am now in the process of disputing this bogus information and will seek counsel if this isnt fixed. These people are real criminals and should be treated as such!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an unsolicited debit card in the mail. Contacted the bank ( Wells Fargo ) to request that the card be deactivated. The bank asked for certain identifying information including last four of SSN. Bank found two accounts opened using our information. They placed a freeze on both accounts and began an investigation into how they were opened.

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 2021-10-13
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: JPMORGAN CHASE & CO.
State: FL
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:
I pay full the credit card, my balance was {$0.00} and I dont use credit card for several months, and a charge for {$68.00} from body guards I call and report this fraudulent charge to chase they say the charge are validated, And I did not authorize this charge, this is a membership and I never authorized this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019I paid my XXXX XXXX  credit card balance in full. The money cleared my bank account on XX/XX/19- since that time XXXX has reflected that I have a {$0.00} balance on my card but has not restored my available credit to its correct limit. I have sent numerous messages to XXXX XXXX XXXX   who have informed me that yes the payment is showing but that they would like to do a conference call with my bank to confirm that It has cleared. This is absurd as I have no intentions of allowing a third party to discuss my banking information with my financial institution. Whereas the payment has cleared my bank, and my credit card balance is 0, they should immediately restore my credit to its capacity limit that was allotted to me upon opening the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunions Union started reporting XXXX XXXX XXXX on my credit report after the company deleted it off 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 2020-06-23
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received bill from the debt collector, National Credit Systems, in XX/XX/XXXX. Immediately I called them to find out what the bill was and was told it was from my previous apartment. Upon reviewing the bill, I found that the bill included rent from AFTER I left the apartment and cleaning, damages, etc. I immediately disputed the debt by letter sent on XX/XX/XXXX. I kept receiving calls demanding full payment and was told that I " did not dispute '' correctly. I then sent another letter to request written explanation of how to dispute, and I sent additional proof of my contested amounts. That letter was written XX/XX/XXXX. I have not received any letter explaining the dispute process but I was reported to the credit bureaus. I called the debt collection agency on XX/XX/XXXX to ask about the status. I was told they are waiting for the original property management ( their " client '' ) to respond to my debt dispute. I asked if they had notified the credit bureaus of my dispute or just my debt. They said they had notified them of the dispute as required by law. I called XXXX  and they had the original amount of the debt reported as outstanding but NO notification of my dispute. I am also questioning whether or not the original property management actually determines the validity of my dispute - from reading online it sounds like the debt collectors actually buy the debt and then deal directly with the person owing. I don't think they are being honest about the process and certainly not honest in their dealings with me. In addition, they have reached out to my ex boyfriend about this debt and discussed it with him though he had left the apartment over a year prior to my vacating so I am unclear why that is happening. Though I am finding that the apartment did not process his removal from the lease nor the addition to the lease of my then new roommate when that happened in XX/XX/XXXX. This has lead to much of the confusion with this entire bill - unfortunately the bill was never presented to me until it ended up across the county with the debt collector. The property management company refuses to return my calls and has only communicated with me through the XXXX  XXXX  XXXX   in our state. I am at a loss on how to clear my record so that I am able to rent again when I relocate in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My concern is with Pennymac USA and the payment website. On XX/XX/XXXX, I logged onto the webportal to simply confirm the amount due. On XXXX, an unauthorized withdrawal of the payment amount was processed from my checking account by Pennymac USA. My intent was to make my payment on XXXX when my direct deposit came through ( still within my allowed payment period of through the XXXX ). I DID NOT initiate, process, request or confirm authorization of payment to be drawn feom my checking account. After explaining the concern to their contact center I was only refered to their online message center to submitt the occurrnce through there. So, I sent explination along with records reflecting the error and the insufficient funds assessed on my account for review. My bank covered my payment and knowing there would be available next day I requested Pennymac to reconcile via reimbursement of NSF fees equal to {$67.00}. After 3 days i recieved a very simple response " A One Time Draft was completed on XX/XX/2019, via the website in the amount of {$1200.00}. As a result we are unable to reimburse NSF 's fees as it was not a PennyMac error. " Right Pennymac! A one time draft was completed! That is the error! It WAS NOT AUTHORIZED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Experian Information Solutions Inc.
State: UT
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:
In approximately XX/XX/XXXX, I received information from XXXX that an old account from XXXX   XXXX with a open date of XX/XX/XXXX was scheduled for deletion from my credit file in XX/XX/XXXX. So far, this item remains on both of my XXXX and Experian credit reports. 
I attempted to file a dispute through XXXX XXXX with XXXX regarding this item. I began at approximately XXXX XXXX on XX/XX/XXXX. I filled out my information, and received a message that the system would be unavailable in 5 minutes for " nightly maintenance ''. 
I also saw an " OK '' button that when clicked, did nothing.

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