BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: WA
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:
There is a collection from XXXX misreporting a balance to XXXX and Equifax that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Due to the CARES Act. I'm unable to pay down the principal balance of my student loans until the accrued interest has been repaid. Prior to the CARES Act, each payment was split between interest and principal. The onl y way to mitigate this is to release the CARES act benefits from my ac count ( administrative forbearence and 0 % interest until XXXX  ). No other loan allows the lending party to dictate payment term s after the agreement has been set while the account is in good standing. This was a cash grab by Nelnet and other student loan servicers to get their profit before a consumer gains any reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX  as XX/XX/XXXX and XXXX  as XX/XX/XXXX while Equifax as XX/XX/XXXX. This is an violation by the accounts with XXXX  and XXXX  would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet Equifax is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX  and Equifax and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT IN A TIMELY MANNER. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT 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 explanation
Consumer complaint received 2021-10-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I behind the mortgage payment 9 months now. I want my bank give me more time to get assistance from XXXX soon or county I live.the offer me loan modification.but I dont want this. I will star working on new year and will able to pay all my debts, and back to regular payments. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased airfare from XXXX XXXX on XX/XX/XXXX using my Chase Ink card account number XXXX in the amount of {$920.00}. I closed the Chase Ink card in XX/XX/XXXX. Due to COVID-19, I cancelled this trip in XX/XX/XXXX and XXXX refunded the the XXXX card in XX/XX/XXXX, for which the XXXX is XXXX. However, when contacting Chase, I was informed that the XXXX account had been purged after its closure and that they had no record of receiving the refund nor could a refund be received on a purged account. Since then, I have contacted XXXX XXXX multiple times, most recently last week, which confirmed that the refund to the XXXX card did successfully occur. Any attempt to reach out to Chase back in fall XXXX and early this year resulted in them stating there was no record of that account ever existing. However, I have still not received a check or any other form of refund for the {$920.00} credit to the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: STATE EMPLOYEES CREDIT UNION
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: Account information incorrect

Complaint:
North Carolina State Employee 's Credit Union is reporting a auto loan on my XXXX  credit report, which is not reporting correctly. Account shows paid on time for last 4 months. When it should be on time for the prior 2 years. Missing 2 years of on time payment history. Attached below is the difference in what is reporting to my XXXX  vs my XXXX. Please report correctly.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: PA
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:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: IL
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 uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX  does not have any files to verify these accounts, nor will they delete it.

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 2017-08-03
Company: GREAT LAKES
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX issued a garnisment of my wages in XX/XX/XXXX. They have been taking 15 % of my income since then. At one point they offered a repayment option to stop the garnishment ( XX/XX/XXXX I think ). However that repayment plan had a clause that said if you were late with XXXX payment you were back in default. I opted not to take the plan. In XX/XX/XXXX my employer took out the last payment to Great lakes. On XX/XX/XXXX I got a letter stating I still owed them another {$3000.00}. ( The amount has actually gone up since the date of their letter. ) The original garnishment was for {$20000.00}. Since then I have paid them roughly {$22000.00} and now they want XXXX more for a total of approx {$25000.00}. ( It will actually be higher as they are adding XXXX plus dollars to the bill every month ) I can not make my house payment and other monthly bills going forward as they are taking XXXX dollars from each paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Dovenmuehle Mortgage, Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Filed claim with our Insurance company for wind damage on roof, received Insurance draft.Tried getting insurance draft endorsed thru Dovenmuehle who is servicing our mortgage from XXXX XXXX XXXX XXXX. Unable to reach person assigned XX/XX/XXXX. Spoke to someone who said they were answering XXXX 's phone. Said endorse, send in, they would endorse and send back even though email said over {$10000.00} they would keep 10 %. I overnighted to Dovenmuehle. Attempted to contact XXXX twice XX/XX/XXXX phone just rang, no voice mail option. Tried again XX/XX/XXXX was able to leave voice message. Never received return call. Called XXXX XXXX XXXX   directly. XXXX XXXX got XXXX to return my call XX/XX/XXXX XXXX   stated they had a 5 day turn around and that they had to wait until our check cleared before they could send us a check for 90 %. This is incorrect as I overnighted them an insurance draft, not a check. Drafts do not clear like checks. The letter I overnighted with the draft explained that our roof was going to be replaced this week. We needed the money to pay the roofer. I included a prepaid return overnight envelope. Time was of the essence.

I emailed Dovenmuehle again XX/XX/XXXX told them if a check was not overnighted to me so that I received it by XX/XX/XXXX I would file this complaint. I also left voice message with XXXX XXXX Monday morning. She had XXXX   call me XX/XX/XXXX she said she would print the check, but it would take overnight processing. Seems XXXX  should have ordered on Friday and it could have been mailed Monday. I received a call from XXXX   XX/XX/XXXX stating she overnighted the check. I received an email with the tracking number, but did not receive the check today nor does the tracking number pull up on the United States Postal site. They have had our Insurance draft since WednesdayXX/XX/XXXX XXXX XXXX. I have postal record to prove it. If they are going to keep our funds for a week and then keep an additional 10 % they owe us interest. They are holding thousands of dollars without paying interest, and consumers have a very hard time contacting them. They use stall tactics to hold the money longer. XX/XX/XXXX I was also told they ordered a home inspection to verify our roof has been replaced and someone would contact us within 48 hours to schedule an appointment. I was not contacted untilXX/XX/XXXXby XXXX XXXX and told someone would contact us in 48 hours to schedule an appointment. Again, not what Dovenmuehle told us. Our shingles were delivered XX/XX/XXXX, and our roof torn off, and completely replaced by XX/XX/XXXX. We have paid thousands of dollars in interest over the life of our mortgage. Why do they not have to pay us interest if they are going to hold our funds? This needs to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: GOLDMAN SACHS BANK USA
State: NY
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:
On XXXX my local credit union sent a check to Goldman Sachs to pay down a significant portion of my Apple Card issue by Goldman Sachs whom I will refer to as GS. GS received the check on or around XXXX per the stamp on the back of the check copy I received from my credit. GS cashed the check and has not posted the money to my account. My payment is due on the XXXX of XXXX, I reached out to GS who claims theyre looking into it and have no idea where the check is, where the money went or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED EUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: CAB Receivables, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This letter is to file a serious complaint against, XXXX XXXX of XXXX XXXX XXXX, File No. XXXX Ref No. XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX, phone number XXXX. 
Back in XXXX XXXX, we received a call from XXXX XXXX demanding a payment for an unpaid invoice from merchandise shipped from XXXX to some country in XXXX, a company we are not aware of. When my husband asked for more details he added my husbands name to a case that he was not involved in. After looking into the documents we immediately called the XXXX Police Department and filed a case number XXXX. We emailed them the information and informed them is was a case of identity theft. Based on a statement from Detective XXXX, they were able to determine that the information was fraudulent. The documents that XXXX XXXX provided with the notary seal were determined to be fake. 
We were then contacted again on XX/XX/XXXX by XXXX XXXX, and when my husband informed him again, its an obvious case of identity theft, XXXX XXXX began using abusive and intimidating language, with threats of suing us and taking legal action against us. 
He was extremely unprofessional, and was telling my husband to ''Drop the attitude '', and " He couldn't care less about aggravating him ''. My husband then called back the company and asked to speak with somebody other than XXXX, the operator was instructed not to let him speak with anyone other than XXXX XXXX. Please look into this abuse of power and authority, and please let us know what can be done about this case. 
Thank you, XXXX XXXX XXXX File No. XXXX Ref No. XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2021, I contacted " XXXX XXXX XXXX XXXX XXXX '' to obtain a free quote for the cost of building a deck on my home. XXXXlXXXX XXXX XXXX and his driver came to my home that same day and did provide a estimate. XXXX was very persistent in his attempts to get me to conduct business with company that day, but I advised XXXX that I only wanted a quote and that I still had to meet with other companies. XXXX  was also persistent in attempting to have me provide him with my social security number so that he could begin the process of securing me a credit line and building my deck. I repeatedly told XXXX that I would not be giving him my social security number. On XX/XX/2021, I begin receiving alerts that an inquiry was made on my XXXX, Transunion, and XXXX. By XX/XX/2021 I noticed that " XXXX or XXXX XXXX '' appeared on my credit reports and I determined that XXXX fraudulent went against my wishes and somehow obtained my personal information. A few days later I received a credit card in the mail with my name on it and " XXXX XXXX XXXX XXXX '' underneath my name with a credit limit of {$15000.00}. I have text messages from myself to XXXX letting him know how furious I was that he had taken advantage of me. XXXXl knew that he illegally obtained my information and refused to respond via text messages, but he did leave several messages in an effort not to leave paper trail on his end. However, I do still have those voice messages with XXXX confirming that he indeed fraudulently used my personal information to obtain credit in my name.

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