BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. I also have not received any results for the disputes that i opened on these items from the credit bureaus. Its like they didn't even open the investigations because i have received no notice regarding how the company responded. Please help me any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Performant Financial Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has received several ( 4 ) copies of my FTC identity theft report over the past 3 years. Performant just changed the account number and began collections again. 

XXXX XXXX XXXX has never provided any actual documentation of the fraudulent student loans they alleged are assigned to me. 

The only documents ever sent are a forged master promissory note and copies of an online approval obtained by the unknown identity thief. 

Currently, Performant is seeking to obtain funds for the identity theft student loan at an interest rate equivalent to 267 %. 

When questioned via phone conversations, XXXX XXXX XXXX representatives state that they are only contractors and don't have any actual documents regarding the amount they are demanding. Additionally, the same personnel repeatedly tell me to stop send them letters/identity theft notices via my FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail  alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. Portfolio recovery associates have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I currently have a federal tax lien filed in XX/XX/XXXX on my Equifax credit report. It does not comply with the new reporting standards, and the lien has already been removed from my XXXX report ( was never on my XXXX report ). Their dispute mechanism merely requests verification of the lien and does not include a mechanism for this particular dispute. Please note that in connection with this submission, the summary keeps reporting my birthday as XX/XX/XXXX. It is actually XX/XX/XXXX. It will not correct for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
As part of maintaining a card with Chase, I was to receive a Certificate for a Category 1-5 hotel room with XXXX. I was issued this Certificate on XX/XX/2018 or XX/XX/2018 and was good for one year. This was not honored by Chase or XXXX. There was a recent merger of XXXX and XXXX properties. During this conversion, the Certificates were deemed to be capped at XXXX points or a Category 4 equivalent. I have spoken to both XXXX and Chase about this inaccurate disclosure and none have resolved this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: MA
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2017-08-10
Company: Experian Information Solutions Inc.
State: TX
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: Didn't receive services that were advertised

Complaint:
I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.

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 2020-01-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I pullfed my credit reports and found an a writtenoff account from Comenity capital Bank. I called XXXX XXXX asking for clarification and any documents they had that proved I authorized this account. They explained that a written request had to be submitted and provided me with the mailing address.XXXX XXXX XXXX XXXX , OH XXXX. They also stated that I should send attention to Clerk of Record. 

On XX/XX/XXXX, I sent a request to Comenity Capital Bank requesting documentation that proves I authorized the opening of this account. 
On XX/XX/XXXX, I received a letter, from Comenity Capital Bank, stating thatthey received my requested for validation and confirmed that the information is accurate. The letter also explained that I would need to provide a supeona in order to request application records. 

I sent a second letter on XX/XX/XXXX, clarifying that I was not asking for verification/validation and that I only wanted account origination documents. I also asked for all the evidence reviewed for the accuracy of their reporting. 

I have received no other responses from Comentiy Capital Bank. I made another phone call to them today, XX/XX/XXXX. I spoke with XXXX, in the Account Protection Dept. at XXXX XXXX est.. She explained that she didnt see any past requests on record for me and provided the request for records mailing address I used in my inital letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened a bank account with Citi bank because I saw that they are offering a {$500.00} bonus. I have met all the conditions but Citi won't give me my bonus.

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 monetary relief
Consumer complaint received 2019-03-11
Company: CAINE & WEINER COMPANY, INC.
State: TX
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: Didn't receive services that were advertised

Complaint:
At the time, I paid the current insurance policy to XXXX ( Caine Weiner ) in full to date. There should have never been any credit reporting for unpaid bill on my account. The company reported that I opened the account XX/XX/XXXX, the reporting was for XX/XX/XXXX. 

I have proof that I was in contract with an alternate insurance company the date Caine Weiner claim I opened the account ( Please see attached document ). Reporting on the account is false. I have a receipt for the services of Caine Weiner ( XXXX ) paid in full. The company is attempting to force me to pay for services not rendered. Please see attached documentation. 

Please remove account from my credit reports as it is adversely affecting my scores and it is proven to be false with attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Full Circle Financial Services, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2020 @ XXXX XXXX I got a call from XXXX with Full Circle. The number for the company is XXXX ext XXXX. I advised XXXX that he was calling my employer and I was not able to take personal phones calls at this number. He then asked me for a different number which I told him I would not provide to him. He then says that he will keep calling my employer to contact me about a so called debt I owed. I have never taken a service with this company before. I went to XXXX and looked up Full Circle and I can't find a website or address for this company. I think its a scam and I want them to stop calling my employer 's number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Thank you Financial Consumer Protection Bureau for operating this consumer Complaint Center. I had a hard time trying to find someone for help. 

Navy Federal Credit Union Member XXXX XXXX XXXX Checking account ending in XXXX XXXX XXXX XXXX XXXX Member XXXX XXXX Reference : Incident # XXXX XXXX Without an authorized ACH affidavit signed by MsXXXX XXXX XXXX XXXX a Navy Federal Credit Union member XXXX Navy Federal Credit Union withdrew and transferred {$860.00}. from her checking account to an outside XXXX XXXX XXXX XXXX account in the name of XXXX XXXX. This illegal transfer by Navy Federal Credit Union was done on XX/XX/2020. 

Due to Navy Federal Credit Unions internal failure ... MsXXXX XXXX was without her necessary funds ( in the amount of {$860.00} XXXX for 13 consecutive days. 
a. XX/XX/2020 illegal transaction - withdraw and transfer to XXXX b. XX/XX/2020 NFCU provided a provisional credit to XXXX ' checking account NFCU 's refused to response by post mail ( as was the form of communication initiated by the NFCU member ) - instead they sent an undisclosed email response of having no liability in their error. Instead, NFCU wrongly pointed their fingers at XXXX XXXX, " ... XXXX holds the responsibility to ensure that the debit was authorized ... '' Navy FCU has not reference their assertion to banking law and plays on the member 's XXXX XXXX XXXX ignorance. 

Ms. XXXX XXXX did not authorize Navy Federal Credit Union or sign an ACH affidavit allowing XXXX XXXX XXXX XXXX to make a withdraw from her checking account ending in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i asked the company to pick up the vehicle and didn't want the car they refused to pick the car up they are still reporting on my credit file about late payments I didn't give them consent to share my information either and it's not in the contract either that I signed, and they are bringing my score down. ( 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 non-monetary relief
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : 1. US DEPT OF EDU XXXX XXXX.US DEPT OF EDU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
On XX/XX/XXXX, I contacted American Express, to dispute the validity and balance of their alleged account under the Federal Fair Credit Acts. They received the notice, via Vertified USPS ( XXXX ), on XXXX, XXXX, XXXX. I did not receive and documents within 30 days. But, American Express, continues to report to credit agencies a valid account exist to credit reporting agencies, instead of deleting that information as requested. Please see the attached validation letter and receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: TX
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 reviewed my credit report and found the following to be in error. I would like these items deleted off my report FCRA VIOLATION. 

XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete off my report XXXX XXXX XXXX  # XXXX - XXXX is reporting past due however I do not have any late payments- please update my report to paid as agreed. Also last date active is showing XX/XX/2018 ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Bread Financial Holdings, 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 have contacted these lenders and also the credit bureaus to let them know someone had oped up accounts in my name and also ran my credit and they still haven't taken them off my credit report yet

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Didn't receive services that were advertised

Complaint:
I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX  XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: FinCo Services Inc DBA Current
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Been side banking with Current for over a year and on XXXX XXXX I got 5 unauthorized charges from a XXXX in XXXX Florida. I have nevered travel there. All transaction where back to baxk. They said itbwas done by a virtual card, I have my physical card with me. So some one transferred {$250.00} from my personal checking account through my bank to this account and they made the transactions of {$200.00}, {$200.00}, {$200.00}, {$200.00} and {$10.00} at the XXXX in Florida. I am in a terrible financial situations now that is leading to take actions against me. I have contacted them over 15 times. Have not been able to talk to no one and ask them about resolving this matter. But 2 days before this happened I was notified by Current about was I in Florida and if known of fraudulently activities been done to this account. I told him no I wasn't aware and he hung up. This situation should have stopped before this all happened. There is no way of locking app, card or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Payment made on XXXX XXXX, 2017 to my wells fargo credit card .... the money was taken out of my checking account and is now being held for 15 days and I am sure I am not the only customer, so it seems as though they are using these payment holds to profit off their customers. I was on the phone for over a half hour attempting to get this resolved and was advised I could not be helped and that no departments that I needed to communicate with would be open for up to 4 hours and it was XXXX EST.. I had a deadline to make a particular payment, sent the funds to the card to benefit from the rewards and was declined.

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 2017-08-10
Company: Diversified Consultants, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection was removed from my report almost a year ago. And it has been reinserted without proper notification. I would like this deleted from my report. The date is wrong and it is not my debt owed. It was reinserted on my credit report please remove this from all credit bureaus.

Company response to consumer: Closed with non-monetary relief