BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently realized that my XXXX XXXX XXXX XXXX loan is reporting at be closed and charged off thru all 3 of the credit bureaus. Even after bring the account to a current status the incorrect information had repeatedly been entered on all 3 of my credit reports. The purpose of XXXX XXXX  is to help individuals with troubled credit improve their financial life. Currently my account status, balance and the amount of the loan is showing incorrectly : I have spoke with and emailed their customer service to include screenshots and the response is that the account is accurate. After filing a dispute for the same thru all 3 credit bureaus ; this account is being illegally validated as being account to each of them even with the submission of the screenshots from this companies website showing the payment history and current status of the loan. My next payment was due yesterday and I did not make it because an account can not has both an open and charge off status.

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 2020-02-18
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: Information belongs to someone else

Complaint:
I believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Central Financial Control an letter on XX/XX/XXXX and on XX/XX/XXXX about a debt that showed up on my credit report. On that letter I requested that they validate the alleged debt due to me being unaware of any outstanding medical bills. In that I also as that they provide the breakdown of fees including any collection costs and medical charges. I asked that they please provide me a copy of my signature with the provider of services to release my medical information. On XX/XX/XXXX I received information from Central Financial Control stating that the services were for someone with the last name that is not mine. They stated that the services were rendered to someone that was uninsured. In that letter they stated that I was properly notified in which that has never happened. After receiving this letter I went directly to XXXX XXXX XXXX and provided them with a copy of my Id and Social. At that time they could not find any of my information at the facility. I also advised spoke to them about the 100 percent charity and they made me aware that the charity covers all bills owed past and present. I then contact XXXX XXXX again and advised them that I have been to the center and they could not find any of my information. They advised me that they would have a manager look into it. I also sent them a copy of my ID and Social security card to show that it was not me. On Today I received a response with a letter stating that they tried to contact me about the debt. The dates that are listed in the letter are incorrect as to I HAVE never received anything from them prior to XX/XX/XXXX. On the letter they state that they sent me a letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The date if XX/XX/XXXX was prior to the  alleged service date so how could I have received a letter? They also stated that there was a military Id card. I have never had an military ID card. So that information is also not correct. Again as I have prior stated this bill is fraud and due to Identity theft. Also the letter contradicts itself they advise me to contact XXXX Business office and in fact I have and they have told me more than one time that any medical bills that were against my name were reversed. As I stated prior I have sent the information with my id to them on more than one time. The Original creditor has already advised that this is not my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: LA
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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. XXXX XXXX CO The creditor replied they would remove the disputed item but the bureau is still reporting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has failed to provide me access to my information after verifying it with them repeatedly. They have locked me out of my online account without recourse, before I even completed registration. They claim to be " investigating it ''. I offered to verify any information they needed. They declined, citing a further need to " investigate ''. This is an unreasonable burden on consumers who want fair access to their credit reporting and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Halsted Financial Services, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTION ( HALSTED FINANCIAL ) IS CLAIMING PAYMENT ON PURCHASED ITEM THAT WAS PAID FOR OVER XXXX YEAR AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: General Motors Financial Company, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in 2011 I paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions 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 filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Every single inquiry on the report except for XXXX anXXXX XXXX XXXXXXXX auto are not his.

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 2020-02-18
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: 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 {$0.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not 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 2021-10-15
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Waypoint Resource Group, LLC
State: CO
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:
XXXX has not provided me with a way to check on the status of two disputes I have submitted on my credit report : Creditor : WAYPOINT RESOURCE GROUP LLC # XXXX** XXXX and Creditor : XXXX XXXX XXXX XXXX I have attempted to get the status on the website but it sends me in a loop. I log in and then it brings me to another login page again over and over. I attempted to get answers via their XXXX page and they referred me to their customer support number which I called and waited on hold with for 25 minutes on two separate occasions where I was disconnected both times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, I never authorized any of these accounts. These accounts hurting my credit score and I being victimized by the bureaus.

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 2020-02-18
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 {$0.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: STERLING JEWELERS, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a customer in good standing with Kay Jewelers for 6+ years. I have never been late on a payment and have earned one of their highest credit limits. In XX/XX/XXXX, I purchased wedding bands from Kay and the balance ended up over {$7000.00}. I have paid {$360.00} every month for the past twelve months and the minimum payment has not gone down. I called today ( XX/XX/XXXX ) to inquire if the minimum payment would ever go down and the lady I spoke with said that it would not, I had 17 more payments of {$360.00}. I verified that it was still a credit card/ revolving account and not an installment loan. She said that was correct. I asked what would happen when I paid the balance down to {$500.00}, what would happen then- she said it 'd still be {$360.00} per month til it 's paid off. She transferred me to her supervisor who repeated the same things. I asked the supervisor what would happen if I bought something else from Kay, she said it would still be the {$360.00}. She offered to lower my payments to {$210.00}, but said that it would remain {$210.00} til it was paid out. She asked what I was trying to do, I told her that I expected my account to be like it had in the past prior to my very large purchase - as the balance went down, my minimum payment went down. I believe I was fooled about the terms of my account and the payment options. I told the supervisor that I can and will pay the {$360.00}, but I should not be required to pay that amount for a set term until payout because that would be an installment loan- requiring a contract I never signed. She insisted that their policies have never changed, all of their credit accounts work this way and they do it for the " good of the customer '' to insure the customers do not pay much in interest. I finally just agreed for them to lower the payment to the {$210.00} and I will try and pay the account out within a few months. However when I went online to set up the payment- it said total due was {$210.00}, minimum payment was {$360.00}. I selected the {$210.00} option and when I went to process it, it showed I 'd have a late fee. I will probably end up paying the {$360.00} to protect my credit, but there should have been a better resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On three or more occasions, I have disputed the inaccuracy of this debt with the three main credit agencies. XXXX  has deleted the debt from its report. The reporting includes the wrong original balance and improperly added over the limit fees. First, the original approved amount is {$500.00} of which about {$420.00} was used. However, the reporting notes the original and high balance as the same, i.e., {$850.00}. Second, when the account was about {$420.00}, XXXX/XXXX XXXX, added late fees and interest until the account reached {$500.00}. At that point, they added over the limit fees, along with the late fees and interest charges. Next, I have disputed the inaccuracy as I am not liable for the over the limit fees, want them removed, balanced recalculated, and original balance and high balance reported correctly. Last, Calvary is the new owner and I am requesting that they show the line items up to and over {$500.00} that resulted in the account reaching the plus {$850.00} balance. I am uploading some docs but have more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I attempted to speak to someone regarding the inaccurate and invalidated debt they were reporting to the credit bureau. The customer service representative threatened me by using obscene and profane language repeatedly when I tried to explain to them that someone at IQ data advised the landlord to type up a letter after I submitted my complaint and claimed to have mailed the demand letter to me when they never mailed any notice letter or any itemized list of deductions. The said that I was committing a crime and they would be filing a civil lawsuit to garnish my wages to collect the debt. 
The representative claimed that I would be arrested if I did not pay the debt I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
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: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2021-10-15
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
A mortgage account that I had with US Bank was closed and paid in full back in XX/XX/XXXX. Due to divorce proceedings, there was a foreclosure at this time. US Bank continues to list this account as foreclosed in XX/XX/XXXX which is completely wrong and has been negatively affecting my FICO score drastically, thus, affecting my rates on insurance and other loans costing me money. I have contacted US Bank several times, yet they refused to correct the error.

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 2017-11-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan Chase, and decided last year ( 2016 ) to refinance my loan to take advantage of historically low rates and lower my payments. During that process, which was so bad Chase gave me a credit, they made a mistake an under funded my escrow account by over 50 %. I was not made aware of this issue, until Chase sent me a letter saying I owed them over {$4000.00} to cover the shortage. 

I spoke to Chase and they admitted that this was indeed their mistake, but it was still my responsibility to cover the escrow shortage of over {$4000.00}. While it is 100 % their mistake and they admitted to it, they refused to attempt to make it right in any way and are still forcing me to pay this shortage. 

This was a mistake that they made at closing, they admit they had all the information, they admit they underfunded the escrow account - but they refuse to make it right. I am now forced to pay over {$4000.00}. They are making well over {$100000.00} in servicing this loan, and now I 'm forced to cover their incompetence?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
Company: Netspend Corporation
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I've received BRINKS prepaid mastercard which I haven't aplied for

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 2017-07-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .The lender is refusing to review the client file - the package for review has been faxed 2 times and they are stating it was never received - this has been faxed again today, but they are stating it is not 37 days prior to sale and a review can not be completed.

Company response to consumer: Closed with explanation