BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is for Phoenix Financial Services. They appeared on multiple credit reports for a medical debt with original creditor " XXXX XXXX XXXX XXXX. '' The amount of Debt is {$480.00}. I am highly confident they are not collecting on behalf of creditor and they bought this debt from someone else and will be unable to verify the debt directly from XXXX XXXX. Again they have made no communication with me and have put this on my credit reports. The took a step further and on my XXXX  credit report they listed the following : " PHOENIX FINANCIAL SERV has flagged your account as Collections. '' This company seems to have a history of fraudulent debts and practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Midwest Recovery Systems
State: ME
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:
Alleged account is from an address I did not reside at in 2013. Also in accordance with Maine statutes, this account is too old for credit reporting, The account is being reported beyond the statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We placed an order with XXXX XXXX XXXX  XXXX XXXX on XXXX for {$48.00}, my wife paid via XXXX . After we received the product we were contacted by the company asking for payment. We sent them the proof of payment from XXXX. Today we received a statement from a debit collector ( State Collection Service Inc ) stating that the account was now in collections. I gave the collections comany the XXXX proof of payment and was told that they would look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.

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 2021-05-07
Company: EQUIFAX, INC.
State: NJ
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:
A new and presumably duplicate entry for the account " XXXX XXXX  XXXX XXXX XXXX '' was entered onto my Equifax bureau report. My credit score dropped 17 points as a result. I tried calling Equifax and could not get this adjusted. Last month I had the same issue ( duplicate entry ) with XXXX XXXX. It is hard enough to keep my credit rating positive without erroneous entries. The two account numbers on the account aren't even the same - does the " new '' entry belong to someone else? This is extremely frustrating as Equifax is now reporting clearly unverified information, something they assure consumers they will not do. Please delete duplicate entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is claiming the following issue concerning an unknown account to me : Your credit limit {$1000.00} Your credit card balance {$1300.00}. I don't have a credit card limit of a {$1000.00} nor a balance of XXXX. I never applied for this card. Experian never provided the name of this credit card nor the bank it's from. I have theft protect with all the XXXX Credit Bureaus. So how could this happened.

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 2020-06-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Credit acceptance has been reporting late payments to the credit bureau even though I've paid those months on time. I've reached out several times and they refuse to help me. I had an incident last XXXX when I updated my debit card information on their website and it failed to come out. I have my bank statements showing that I had the funds available. I've been paying XXXX a month since then and not once did they mark me late. Fast forward XX/XX/2020they started marking me late for a past due balance. They not once called me and said I was behind. This company is fraudulently marking my account as past due. Please make them correct this. I have all the documents to prove it too.

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 2020-06-29
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello my name is XXXX XXXX, my complaint is about PAYPAL!! well my fianc had {$95.00} USD in her paypal account so when she tried to withdrawal the funds for whatever reason it kept giving her some type of error message so, not knowing any better she transferred the funds into my paypal account to see if we would have better luck with mine but seemingly it has opened up a whole other set of problems!! well since the pandemic the local XXXX offices have been closed. so unfortunately my license plate tags have become expired and i had gotten pulled over for the tags being dead so long story short the police officer said he had to take my plates and my D.L 's, leaving me without any form of picture I.D . well paypal says they limited my account from being able to do anything like send receive or withdrawal funds until I upload a picture I.D that is not expired. well I tried and tried to make them understand that i could not get another one made due to the pandemic and that i desperately needed the funds because we had no income at the moment due to pandemic as well and that every XXXX counts right now even if it is only {$95.00} dollars. BUT TO NO AVEIL THEY INSIST THEY WILL HOLD MY MONEY UNTIL PICTURE I.D IS UPLOADED!! PLEAAAAASE HELP!!!. also i asked them why the limitation was put into effect to begin with when its the first transaction ever done!!??? I have called and called and called cant get anybody on the phone and very seldom someone replies to my messages after days and days of waiting!! i have since heard so many horrible stories of the unfair and terrible business paypal does from sooo many people WHY IS THIS COMPANY NOT HAVING TO COMPENSATE FOR THE TERROR THEY BRING TO SO MANY PEOPLE??!! Thanks and God bless you and your families

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
SQ*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$20.00} SQ*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$40.00} Cash App*XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$40.00} These are latest charges put through my credit union account. 
A group of charges were put through my account last month for twice as much by the same organization. I do not and have never used this company for anything. These are fraudulent charges and you can't reach anyone to talk to my credit union gave me a telephone number of XXXX and there isn't anyway to talk to anyone to find out who's been putting these charges through unless the whole company is just a scam. The telephone number says they are not speaking to people at this time and refers to cash.app/help that is of no help either. I would like to find out name of person who has used card. 
My credit union is not going to give me help on this and instead is punishing me by not giving me a new debit card. Meanwhile whoever did this is free to cause someone else a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I can see the claim through my credit app, however i have not recieved any mailed statements to pay this off or come to an agreed upon date of payment. I would like to get this XXXX dollars off my 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 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello, I have been with BOFA since in college this was very disappointing. 

I would like to request to restore my credit limit because I need to increase or keep my restored credit store for housing purpose. 

BOFA is gambling with my credit score. 

Based on the following ground BOFA should take in account to restore my credit limit. 

1. For many years due to a divorce my card was maxed out and I was paying minimum.

Late last year, I paid off almost 50 % of the total outstanding balance.

2. No evidence of excess use of the card since paying off 50 % 3. There was late payment during COVID19 peak - where I informed the bank I was impacted and lost my father to COVID19. 
4. When I lost my card, reported it immediately and informed BOFA I need a card. Due to the Postal Issue during Election time, my bills and card everything came late. Which I informed BOFA. This delay was across the board with all creditors 5. Payments were made to BOFA on the new credit card.

6. I requested customer service few times to set up auto-payment because I felt soo much is going on everywhere where payment can be missed. The customer service advised to set up on-line banking. 
7. There is issue with online banking - I found out it didn't take my pay and later saw the error message online banking not accepting payment to be paid ( see screen shot ). So I went back and paid through my XXXX Account. I should not be penalized because Customer Service refused to set up payment and on-line banking gives an error message to pay online. 
8. No other creditor lowered my credit limit. 
9. I check XXXX XXXX often no record of delinquent reporting. 
10. BOFA never disclosed why the limit was decreased except for " Per our Review '' 11. I am a XXXX XXXX XXXX  employee which means my employment and salary is secured under all circumstance unless there is a Nation Wide crisis.

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 2018-12-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2017-08-08
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I do not know who Navient is and had no information that XXXX XXXX had sold it to Navient before my paycheck started getting garnished by a company called XXXX with whom sent me nothing in writing, just calls from an unknown number and no messages left. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Greetings, I had a HELOC account and recently decided to close it with MUFG Union Bank. 

Upon the closure of the escrow, the bank failed to release the lien on the deed and claimed it will take XXXX days to BEGIN documenting it with the county office. The account was paid in XXXX and the escrow was close on XXXX-2019. 

The banker also failed to disclose the cost upon the closure of the account, resulting a {$480.00} fees at my cost as the borrower. ( As attached computer screenshot ) After several discussion with the bank 's representatives, it is frustrating and unjust to learn that they can only send out a letter stating the account was paid in full and due to a " CLOSE '' which is false statement, since the lien stay on my deed, and the information on their website is highly inaccurate.

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 2018-06-18
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  states I owe them for a bill I disputed this twice with the 3 cba and they stated verified. I was not aware of my rights at the time, now I check my credit report and XXXX is still on there and Jefferson Capital systems for the same {$750.00}. I have asked both companies for validation of debt with no response and yet they both appear on my credit report I can't believe this is legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-26
Company: EQUIFAX, INC.
State: MS
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a request for validation to JH PORTFOLIO DEBT EQUITIES for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.

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 2021-05-07
Company: EQUIFAX, INC.
State: NV
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX AT XXXX XXXX APTS ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: NJ
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:
There are many mistakes appear in my report without my understanding.

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 2019-09-13
Company: Experian Information Solutions Inc.
State: AL
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:
Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial harm and diress.

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