BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX* Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

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 2020-11-18
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FRANKLIN COLLECTION SV is trying to collect a debt that was the result of Identity Theft. I've sent a letter to them and have yet to hear back from them concerning this debt that is not mine. I am asking for your help to resolve this matter so that I can continue with my credit not being effected by this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received notice from my employer that she received a unemployment request by me and had my person information. I am not unemployed! My employer and I followed up with XXXX with the information that I did not request any unemployment. I followed up with Equifax due to I was included in the breach that occurred in 2017 and requested monitoring services. After speaking to several staff there I received report that until the appeals in court are processed I will not receive any monitoring. Asked to file a complaint within the company and had problems getting to supervisor. After talking to supervisor, it took me sometime to get him to file a report. He provided the # and information he supposedly entered into the complaint. I am angry that I did not give them permission to hold my information, they did not secure this information and was breached. Then they reported " sorry '' but are unable to assist me when it was their fault my information was gathered by a stranger. I am sure that due to COVID and high unemployment I am not the only one this is happening to. Equifax presented to me that it is not their problem to assist me. I did not want to provide them any more information than what they have or sign up for any services that they have and can be construed as my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Student Loan Care, LLC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a notice in the mail marked SECURE and it said I was recently eligible for Loan forgiveness. There were several options listed for what I could be eligible for and I called the number on the letter and gave the representative my eligibility code. I had to call them several times because the call kept getting disconnected. Finally, after hours on the phone, they said I was eligible for the Revised Pay As You Earn program and my monthly payments would go down drastically for the next 10 years or so. The only sensitive information they took was my FSA ID and my bank account and routing number, but I was warned not to give this info to anyone. I asked the person if I could have done this on my own online, and they said no.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: OK
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:
The credit reporting agencies, have XXXX XXXX an XXXX listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On XXXX, my XXXX accounts are closed and wit no late payments. However, on Equifax, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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 belongs to someone else

Complaint:
I been disputing this account since XXXX of XXXX I've been a victim of identity theft. I contacted the bureaus about this account they took account off. XX/XX/XXXX I receive a new credit report and discovered the original company sold the debt and put it back on my credit report i contacted the company and told them about my issue and it still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early   XX/XX/XXXX , I rece ived an email inquiry from   XXXX   XXXX   about refinancing my current  XXXX  condo mortgage. Since my mortgage is held by Wells Fargo, I contacted it about refinancing. The terms sounded good over the phone, I began the process. Later that day, I received a dozen or more somewhat confusing emails and despaired of the entire process, especially after discussing with my wife who reminded me of our desire to sell the condo next  XX/XX/XXXX / XX/XX/XXXX . So the next  day,  XX/XX/XXXX  be lieve, I stopped the process.   When I received my credit card statement, an amount of {$500.00} was billed but only {$470.00} re credited. I call t he WF rep (   XXXX   XXXX   ) who said t hat the remaining amount was for a credit report which was non-refundable. The next day or so, I asked when I would receive a copy of that report. She said that I would not and that it belonged  to WF. I wo uld like my money returned OR a copy of the report I for which I paid.

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 2021-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One was informed of my job being affected by Covid 19/ Natural Disaster and they agreed to set up a monthly payment arrangement for me in the amount of {$300.00}. However, Capital One charged off my account in the amount over {$600.00} and did not follow the agreement that they arranged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will file a report asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
Ive already disputed this account and the company has failed to respond. I havent heard anything back on why this is still reporting on my credit profile. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
I am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : The Bureaus - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX  - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have fallen behind on my payment on my American Express credit card due to a financial hardship. My husband is with the uniformed services and we relocated from XXXX XXXX to XXXX  under personnel orders in XX/XX/2019. On XX/XX/2019, we sustained a fire at the home we were renting in XXXX. This fire was caused by a faulty recessed light. We were displaced in hotels with our family and two dogs for weeks. The house was deemed not habitable and so we had to find another house to move to. We eventually secured another rental home to live and had to move all of our household items. This all caused an extreme financial hardship. 

Also, in XX/XX/2019, I found out about SCRA benefits that were available to us. I applied for the benefits from AmEx and they credited my account by XXXX in interest and fees and now the account would be on a zero-percent interest rate. 

I contacted AmEx to let them know about this new hardship of relocating across country and also sustaining the house fire. I requested that my $ XXXX/month payment be reduced, especially since the account was credited a large amount of money in XX/XX/XXXX. The CSR told me that my payment would actually go up to $ XXXX/month and could not be reduced.

I continued to try to catch up, even while going through this hardship. I made a payment of {$200.00} on XX/XX/XXXX. Another CSR told me if I could make at {$300.00} payment in XX/XX/XXXX, that I would only be one payment behind. I made a payment of {$300.00} on XX/XX/XXXX. AmEx sent my account to XXXX XXXX on XX/XX/XXXX. 

This is account is now under collections. 

Also, the collections agency is also contacting my husband and he is not on this account. I submitted a previous complaint with AmEx about my privacy issues and discussing my account with someone who is not on the account. They are still doing so through the collections agency. American Express did not keep my personal information secure and confidential. Instead, they used it as a collections tactic and shared it with an unauthorized person. 

I've attached my husband 's personnel orders, the fire incident report and the fire claim information with XXXX. 

I believe that AmEx is not trying to work with me due to the account now qualifying for SCRA benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS?

If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have automatic withdrawal from my bank ( XXXX XXXX - XXXX  ) to Bank of America for my home mortgage. XXXX XXXX  confirms all payments made, but XXXX XXXX  sent a ( XXXX  ) letter saying payments not received for two months. They don't answer phone. System does not work. I called. No help.

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 2018-09-20
Company: Waypoint Resource Group, LLC
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: Old information reappears or never goes away

Complaint:
This account was previously disputed and deleted. Waypoint Resource Group has re-reported it as a new debt without proper notification and has also re-aged this account which violates the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Consistently getting emails and phone calls from Nelnet stating that the account is past due by 75 or more days. The emails contain titles like " take action to keep your delinquency from being reported ''. The issue is that the account has been paid and I am fearful that my credit will be destroyed by these false allegations and incorrect data. I have fell victim to predatory student loans in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX* Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX* Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan was transferred XX/XX/2017 from XXXX XXXX XXXX, a fairly reputable institution, to Specialized Loan Servicing SLS ( not so reputable ). Upon conversation with new agent he recommended we sign up for autopay that directly drafts from checking to the loan, we signed on. I went online and entered an amount of an even {$900.00} to be drafted on the XXXX of every month. On XX/XX/XXXX they took out the {$900.00} AND {$900.00} which is the TRUE payment but I always pay {$900.00} to keep my records simple. They took 2 payments for 1 month and left me without monies to pay the rest of my obligations for the beginning of the month! ( TOOK WITHOUT PERMISSION TO TAKE MORE THAN I AUTHORIZED! ) I phoned immediately Friday XX/XX/XXXX and was told the money would be refunded. I phoned today to verify this to be true and I was told it was sent for further review and may or may NOT be refunded and there will be an answer by XX/XX/XXXX. I feel this is unfair lending practices as they no right to take more out of my personal checking without my consent.

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 2020-05-19
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:
I recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal information.

Company response to consumer: Closed with explanation