BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
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:
pop on credit i wasn't aware of it or this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Upon opening this account, it was understood that my account is an interest free account. In the very beginning, I was notified of the payment due date and immediately informed them that this date would not work for me. They agreed on a new date that was honored by both parties. I began submitting payments on the new agreed upon payment due date. I then received a late fee that was reversed. The next month, the payment was made XXXX  day prior to the due date and they charged another late fee. Even though they were aware of the date change, the fees from this point continued to add to a current three digit amount even though I have never been late nor have I missed a payment. Upon trying to resolve this issue, the personnel that I spoke with all said the same thing. I was told there was nothing they could do after the fees reached a three digit figure unless I spoke with a Vice President ( VP ) in which I did but even they were duplicating what was previously stated to me. Before our conversation could conclude, I had to cut it short due to commitments at my place of employment. I told the VP that I would call them back to conclude our conversation but after several attempts, my calls went unanswered. I then decided to contact Consumer Finance Protection Bureau for a possible solution or resolution. I have no intentions of paying them anything other than my agreed upon monthly payment. This account started in XXXX of XXXX, my scheduled payment amount is XXXX due on the XXXX of the month.

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 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2019 I submitted a payment of over {$4000.00} to Bank of America. Said payment was misapplied and I was told that the problem would be remedied. It was not or at the very least, not in a timely manner. This caused my account with them to have several late payments and fees as the amount I was paying didnt cover the amount they thought I should be paying. I have had several accounts with Bank of America for over 17 years and until this, had a stellar credit rating, This error has resulted in my credit score dropping by almost 100 points in three months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: AR
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:
XXXX ARE FALSELY REPORTING THIS ACCOUNT ALL BUREAUS FOR DECEASED CONSUMER AND IS REPORTING IN VALID ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: RNN Group, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have been contacted by " RNN Group '' multiple times demanding the last 4 digits of my social and DOB. The calls began yesterday, they called all day and again today. My Hr Manager explained that we do not provide personal information over the phone and they proceeded to give my DOB/Social which was incorrect by the way. We have asked them to stop calling and they continue to harrass me as well as my staff. The receptionist is being bombarded with calls and they are unable to provide us with reasoning for there calls. The number they keep calling from is XXXX and you can not get a hold of anyone. When I XXXX the number I saw so many complaints about scams from these people. I have no idea why they are contacting me and would like for them to stop harassing me especially at my employment it is causing alot f issues for me here at work. I have no idea they address or who I need to contact to send a cease and dismissal to put an end to this harrasment because if they continue I will need to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TD BANK US HOLDING COMPANY
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 made all my payments on time using the companies website but one month i got notice 30 days later that they never received the payment and that a 30 day late payment was on my history. This was not my fault because their website showed that they received the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX at approximately XXXX, my boss received a phone call from the chase 1800 number claiming that there had been fraudulent activity completed through his Chase XXXX through XXXX. They claimed that money was sent, unauthorized to me. They then had him un-enroll and re-enroll with XXXX through the phone and then instructed him to three way call me. During the three way call, they reported the same fraudulent activity on my XXXX XXXX through XXXX to my last recipient I sent money to which was my step mother, XXXX XXXX. They went through the same process, un-enroll and re-enroll me on XXXX through the phone and had me three way her. While on the phone with her, they confirmed an unauthorized payment of {$100.00} and a second payment of {$1100.00} from my account to hers, which she confirmed she saw it pending, they had her un-enroll and re-enroll. Once she completed those steps, the call dropped and the scammer had left the line. Within minutes both amounts of money was drained from my account. XXXX had called her bank and cancelled her card and reported the fraudulent activity. I had also called chase and reported the fraudulent activity and they opened the claim. It has now been XXXX weeks, the claim has been denied and Chase refuses to reopen the claim and assist me with recouping the money, they deemed it as a loss and have instructed me to forget about it and move on. All the money has left my account, the {$100.00} transaction had made it to XXXX 's account however the {$1100.00} had not made it and is not accounted for. I'm at a dead end, XXXX can not assist me and Chase won't assist me in figuring out where this money went and how to get it back. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My problem is BOA said they sent me the {$300.00} check twice since XXXX but I didnt receive it till XXXX. 
My credit card is a deposit credit card. 
XXXX I lowered my credit from {$1500.00} to {$1200.00}, so BOA should return {$300.00} to me. They told me it would be returned to my check account. 
Until XXXX, I didnt receive the refund so I called BOA. And I confirmed that it would be returned to my check account. 
Until XXXX, I still didnt receive the money so I called Boa again. This time they told me they sent a check to my address XXXX address A ). But I no longer live at that place so I updated my new address XXXX address B ) and asked them to send it again. This is their first faultthey told me they would return money to my check account but actually they sent me a check without informing me. 
Until XXXX, I still didnt receive the money so I called Boa again. They said they knew nothing about where was the check. The only thing they can do is to resend the check. I agreed. 
Until XXXX, I still didnt receive the money so I called Boa again. They told me they sent the check on XXXX but they could not provide any tracking number so I didnt know if they really sent the check. I asked them to send me the check using anything that can track but they refused. They refused to provide further help. The only thing they were willing to do was to resend the check. I agreed. 
Until XXXX, I still didnt receive the {$300.00}. 
Its been nearly a year since I asked for returning my {$300.00} collateral. 
Actually, they provide delivery service to other customers. But BOA refused to send ups or XXXX to me even I waited for nearly a year. Since they could not provide the tracking number, I doubted they never sent the check to my address B. 
The address has no problem. I could receive other letters and checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received notification that this account was added to my credit report. I did not receive a dunning letter. According to my credit report, the account was opened in XX/XX/2019 and first reported XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NC
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:
in accordance with the fair credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the rights to privacy.

These Addresses do not belong on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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:
I have been dealing with a person or persons using my credit to open accounts and abuse them. I filed an identity theft report and had it notarized. They only deleted some of the accounts. There are still accounts reporting that shouldn't be reporting to my credit because they don't belong to me.

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 2019-03-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX started my disputes with XXXX on XX/XX/XXXX and since then have sent more letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing various items on my account. Some have been deleted upon not being able to verify but others till remain and have not shown proper verification under the FCRA rules and regulations namely : XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as they have not been able to verify with supporting documentation the validity of the debt. 

EXPERIAN As with XXXX, I sent request for validation of the debt on my credit report and no proper documentation under FCRA rules and regulations have been submitted to me justifying the debt. Namely : XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX AS with both XXXX and experian, items on my credit report were disputed and supporting documentation requested was not submitted. namely : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX XXXX : These Company which allegedly hold a XXXX XXXX debt in my name hasnt been able to supple subsequent documentation to validate the debt under the fair credit reporting act and has reported to the credit collection bureau without proper validation. And thus needs to be deleted from my credit file. 

In Closing all these companies have been given ample time to validate the debt on my file with supporting documentation and have failed to do so. 
Im hoping to resolve this matter with a deletion from my credit file as these items have caused me some distress. 
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 non-monetary relief
Consumer complaint received 2019-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ive had multiple issues with my auto loan and have filed multiple complaints through your agency and my attorney generals office. There is still one open complaint which was granted an extension with your agency. Ive told usaa on several occasions that Im not making a payment until the open complaint is resolved, the open complaint is because usaa took unauthorized funds from my account. On XX/XX/30 usaa yet again took unauthorized funds from my account. I called to try and rectify the matter and I was told they wouldnt refund the amount even though they were unauthorized to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: U.S. BANCORP
State: IN
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:
I deposited a check into my US Bank checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called US Bank last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.

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 2020-03-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH NOR HAVE RECEIVED SERVICES FROM, REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1700.00} WITH XXXX, XXXX, & XXXX CREDIT REPORTING AGENCIES. I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDED ADEQUATE PROOF. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODS OR SERVICES THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROO. I AM NOT OLBIGATED TO PAY FOR THE ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: EQUIFAX, INC.
State: LA
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 made a phone call to equifax about some unauthorized inquiries I dont recognize. The rep told me they didnt have to remove anything off of my report because they dont follow the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XX/XX/XXXX, I began making payments of {$100.00} every month on the XXXX to a company called XXXX XXXX XXXX, payments which stopped coming out of my account around XX/XX/XXXX. I believed this was because either, I had just filed and been accepted for medical insurance assistance and that was helping me to some degree, or because of Covid-19, payments were paused. However, a new account was opened on my credit report from Capio Partners ( mispelled on the credit report as Capio Parnters ). This was added as a debt of about {$1800.00} which is around the price of my medical bill remaining. The problem is, I was never contacted about Capio Partners taking control over the debt collection from XXXX XXXX XXXX if that is what happened. And more so, I still have two accounts from XXXX XXXX XXXX ( both around {$500.00} ) that I had always assumed was just a weird reporting method as my payments always seemed proportional to what was removed from my credit report. I now allegedly have three derogatory marks on my credit report ( two from XXXX XXXX XXXX never contacting me and simply being unaware that I had a debt to pay, and one from Capio Partners for doing the same ) all for the same debt that was simply not explained properly to me during any given point. I was never called, emailed, mailed, texted, or informed by a person that I hd a debt through XXXX XXXX XXXX until a phone call two months too late and the same thing appears to be happening with Capio Partners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: SYNCHRONY FINANCIAL
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 notified Synchrony Bank -XXXX  that the inquiry made on my report is fraudulent. They sent a ambiguous letter which is non responsive and ask for information already provided.

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 2021-08-15
Company: Mr. Cooper Group 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:
Mr. Cooper Mortgage Company did not resolve my issue as it should have been. Please refer to complaint number XXXX. 

Mr. Cooper reported to me that they had the right to report a late payment to them. yet on XXXX XXXX I spoke to a representative from the Company who told me my numerous complaints to Mr. Cooper were still under review. I commented at that time that I was concerned if it wasn't reserved soon that it would affect an issue with my credit. I was told by the representative that I didn't have to worry about that as everything was still under review. If they record their calls as they state, they can listen to them and hear what I was told. Not believing that Mr. Cooper was moving fast enough I went ahead and made the payment they had requested even before the issue had been resolved. After this they reported a late payment to all three credit agencies effecting my score by almost 100 points. 

I have the legal right to have this removed from my credit reports. 

Please re-investiage. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I've asked this company to only send me mail correspondence. As you can see from this email their threatening arrest and garnishments. I live in Texas so I know that my paycheck can not be garnished. I don't know what this debt is, but they've called me at work, many, many times on my cell phone and I've asked them repeatedly not to call me.

Company response to consumer: Closed with explanation