BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
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: Investigation took more than 30 days

Complaint:
I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
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 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:
I am a victim of identity theft. XXXX XXXX XXXX, a debt collector, is attempting to collect a debt for an apartment lease executed in my name without my knowledge. I directly contacted the debt collector via certified mail in XXXX. The debt collector did not respond. I then filed a complaint against the debt collector with the CFPB on XX/XX/2018 - complaint XXXX. I included a copy of the police report as well as my full name, social security number and DOB in the CFPB complaint. I instructed the debt collector in the CFPB complaint to stop contacting me via phone and to only contact me in writing. The debt collector has continued to attempt to reach me via phone and has never mailed me anything. The debt collector responded to the CFPB complaint asking me to call them and telling me they could not locate my account, even with all the information included in the complaint. The CFPB can verify this by looking at the closed complaint. I now have an address in XXXX XXXX being reported on my credit report that I have never been associated with. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other creditors may be opening accounts in my name without my knowledge and using this fraudulent address to send mail to. I have contacted the apartment complex in XXXX XXXX that XXXX XXXX XXXX has reported as a valid address on my credit profile and have received a letter from the apartment complex confirming I do not live at this address nor have I ever. I have also updated my Affidavit of Identity theft through the FTC and have attached a copy of that to this dispute. I contacted the credit bureaus via phone to inform them that I have this letter from the apartment complex saying I never lived there and was not able to upload it as neither upload site was working correctly. This letter from the apartment complex is signed, dated and includes contact information. The credit bureaus give me a pre-prepared response saying they are opening a dispute on my behalf and that they are contacting XXXX XXXX XXXX to verify the information. XXXX XXXX XXXX has already proven that they are not following the Fair Credit Reporting Act and the evidence of that is in the CFPB portal.

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 2020-05-31
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.

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 2018-06-26
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm a cosigner on a loan with XXXX. We've been trying to refinance our loan with another private lender due to horrible customer service ( they will not answer questions and avoid them at all costs over the phone ) and extremely high interest rates 11 % +. 

We sent in an application to refinance with another company and one of the things the requested was an official document from XXXX saying that the loan was current. We had just paid the monthly balance for the XXXX loan and requested a document that said that we paid, and XXXX said that it would take them about 10-14 days to be able to give us the document so that we could be approved with the other company. We called multiple times to see if they could speed up this process, but they said this is official procedure and that it takes that long to be able to send it over. By the time we got the document we needed from them, the loan was now overdue again and we had to repeat the process all over again. It was pretty clear to us that they wouldn't send over the document in a timely manner so that we couldn't refinance the loan with another company. This process repeated for 2 months until we finally got the document needed so that we could move to another company. 

Then, after we got approved with another company, the new lender tried to pay off the balance of the loan - however XXXX will not take an electronic payment and requires a check to be sent through the mail. When I called XXXX to see why we still had a balance on our account, they said it's because it takes them XXXX days to process the check and that the balance will be reflected once they cash it XXXX whenever they decide to do so ). I asked them if they had received the check already being it was sent last week and they wouldn't tell me if they did. They also said that I'm accruing daily interest, even though the check has already been sent to them, and I'll have to pay that interest until they cash the check. The problem is that they won't tell me if they have the check, or when they'll cash it, and they're threatening to report me to a credit agency even though there's a check for the full amount of the loan already in the mail ( or in their hands XXXX. 

I've tried asking simple questions multiple times such as " do you have the check yet '' and/or " what dates would you report me to the credit agency on '' and all the say is they can't answer those questions. 

It's pretty clear that they have all of these policies in place to make it as difficult as possible to refinance with a different company and continue to collect more money from customers without the ability to pay off the loan in full ( in a timely manner ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: LA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed customer contract. The other two major companies has deleted these account off my credit reports. Under the FCRA, unverified accounts must be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: CA
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:
-- -- -- -- -- Forwarded message -- -- -- -- -- : Complaint against Wells Fargo. 





This is a complaint with Wells Fargo Bank regarding my Visa Credit Card number. 


I don't have the exact dates for the first two times this same problem came up on my account but for the third time I do. 

On XX/XX/2018, there was a deposit into my credit card account for {$300.00} that was made in branch in cash. The number for that transaction is : # XXXX. I called the bank ( Wells Fargo ) and explained the mistake was not my deposit. Finally, on XX/XX/2018, the deposit was reversed and that transaction number is : # XXXX. This was the third time this same amount has been posted to my account in error and takes at least 4 - 6 weeks to resolve it. 

Now on XX/XX/2018, there was posted to my same credit card a " Payment Reversal '' in the amount of {$280.00}. The number for that transaction is : # XXXX. I have called the bank several times trying to get this resolved as this payment is not mine to begin with. I have no idea where it came from and why it is added into my balance. I have explained this in detail to several different people in Wells Fargo, at their customer service number : XXXX. Each time I have called this number and explained the issue, I am transferred to several other areas that are suppose to resolve this issue. I get the same response : Someone will get back to me and get this issue resolved as they recognize this is a banking error. 

I have yet to be called back, sent an email, or rectified my account with this {$280.00} payment reversal. The last call was on Saturday, XX/XX/2018 and I was assured I would receive resolution on XX/XX/2018. I have yet to receive that call and the {$280.00} payment reversal is still on my account.

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 2018-05-01
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase Bank has sent me multiple notifications that I have been denied an XXXX XXXX XXXX card. I have never applied for such a card, and have no intentions of doing so. I've previously contacted Chase directly to let them know that an application for this exact card was fraudulent, and they issued information to XXXX to correct my credit report, but it has happened again. They should have taken steps by this time to prevent the error from being repeated, but yet again I have to resolve the issue rather than them preventing fraudulent credit applications in my name which seem to only ever occur for this particular card with this particular company. I'm sick of this XXXX. 

Chase reference number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: Pinnacle Credit Services, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a " Validation of Account '' memorandum was sent to PINNACLE LLC XX/XX/XXXX with a Certified Mail Receipt ; [ tracking # XXXX ] receivedXX/XX/XXXX. 

PINNACLE LLC XX/XX/XXXXresponded XX/XX/XXXX8 ; ( 38 ) days after receipt of memorandum for Validation of Account. This is ( 8 ) days past the ( 30 ) day limit under the Fair Credit Reporting Act. 

PINNACLE LLC XXXX and its XX/XX/XXXX response " did not '' validate the account ; they only sent a copy of the bill, with no supporting documents such as signature on a application for service or contract he may or may not have signed. 

PINNACLE LLC XX/XX/XXXX sent a copy of the original bill with no proof of where or when the contract started or where service was established. 

This failure to respond within the ( 30 ) day limit as well as failure to validate this account are contrary to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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: Information belongs to someone else

Complaint:
I was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my credit karma and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX  XXXX {$380.00} 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 2021-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An item was placed on my credit report in error. The item was found out as myself and my expecting fiancee were attempting to rent a house. I have received no contact and was not aware of the matter or issue. The account was opened fraudulently and was placed on my report, damaging it immensely. We have contacted an attorney this week and will be pursuing further action if this item is not removed from my credit and it is corrected, pending further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a XXXX loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.

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 2018-06-26
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Purchased a coat on XX/XX/2016 at XXXX 's in the amount of {$140.00}. Paid with my debit card. Sales associate asked me to sign up for a XXXX 's debit card to get a {$25.00} discount. I signed up. He linked the debit card to my bank account. A few days later I was debited again for the coat. I refused payment since I paid at the store in XXXX on XXXX XXXX and XXXX. 

I submitted statements to XXXX indicating debt was paid. Associate at store agreed it was paid. Still it went to Collections. I sent copy of statement to Collections Agency. XXXX 's has now sent it to three different collections agency. I am not paying for the coat again. 

The collection agency that contacted me today CALLED ME FIVE CONSECUTIVE TIMES WHILE I WAS AT WORK. I was at work and could not answer. They are not allowed to call me five consecutive times if I do not answer that is harassment. I will be filing a second complaint against AMsher. My complaint is related to their communication tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: OR
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:
reporting wrong address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY sent ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Social Finance, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
on XX/XX/2021. I applied for student debt consolidation from XXXX to Sofi. I was under the impression that I had XXXX days ( XX/XX/2021 ) to agree to the loan. Upon hearing that there may be talks to cancel student debt and refinance with XXXX instead, i asked Sofi to cancel my refinance. They told me " no '' that the deadline was XX/XX/2021. The loan documents that I received from Sofi repeatedly stated XX/XX/XXXX. When I contacted Sofi they told me i can ask XXXX to return the check and cancel the refinance. When I contacted XXXX, they told me they cant do anything. I feel like I was misled, any loan that I have applied for gives XXXX days for final approval. No one from Sofi reached out to me regarding the XXXX day deadline, while all the paperwork stated XX/XX/2021. I do not know how many other students are being misled. I would like my loan returned to XXXX XXXX XXXX XXXX XXXX XXXX  and cancel any consolidation with SoFi. Anyone reading this, keep your student loans with the XXXX XXXX XXXX and do not get misled by the private loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company ignored FDCPA procedures for debt collection and improperly reported this to CRA 's without ever attempting to validate the debt. Rather, an " investigation '' did not begin until after this account was placed on my husband and I 's credit reports. 

I received a notices from the company, giving me 30 days to dispute the validity of the debt. I immediately responded, in writing, in correspondence received by the company XX/XX/2019. My response to them clearly outlined the amount of the debt I was disputing, which I'd already discussed with the original creditor, and requested an updated statement reflecting the actual amount owed so that payment could be remitted. 

Instead of a response, I received adverse action on my account. It was until I reached out by phone that I received this. As my husband 's employer was always paying the lease breaking fee, making payment itself was never a concern, however the amount needed to be corrected. The company ignored this request and reported the account to CRA 's before validating in violation of FDCPA. 

As they were notified in writing within 30 days of the original notice, their job was to cease collection activities while this dispute was investigated, and as such, should not have reported to credit report agencies until that was completed. As a litigious consumer, I am well within my rights to now file suit for this violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Investigation took more than 30 days

Complaint:
I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a sba loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.

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