BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
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: Investigation took more than 30 days

Complaint:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an unpaid balance of {$4900.00}, opened on XX/XX/XXXX being reported by XXXX XXXX XXXX, XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX, XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX XXXX XXXX, XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is in regards to a medical bill for my minor son 's treatment through XXXX XXXX XXXX XXXX XXXX  in the amount of {$120.00}. My son went in for his XXXX XXXX appointment onXX/XX/XXXXand his service was not covered by my insurance company because he had exceeded the number of his wellness visits.
I contacted my insurance company ( XXXX ) to file an appeal and was told that they would consider the appeal. The insurer agreed to pay the claim and reprocessed the payment. I notified XXXX that the payment was going to be reprocessed and paid. A couple weeks later they notified me that this payment had still not been paid and would be sent to collections. I subsequently called XXXX and they told me they would make a rush payment.
Today, XX/XX/XXXX I received a call from Merchants Credit Guide indicating that I owed a bill to XXXX XXXX in the amount of {$120.00} that was sent to collections on XX/XX/XXXX. I informed them that this should 've been paid by my insurer and that I would call them back with further information. I contacted my insurer and was notified that this bill had been reprocessed and paid on XX/XX/XXXX through electronic transfer, record number XXXX in the amount of XXXX I proceeded to call Merchants and notify them to update their system. They told me I should also call XXXX and file an update with them.
I 've tried to call XXXX to get some type of communication indicating this was sent in error and an apology. I have an excellent credit score which I 've worked hard to maintain and achieve do not wish to see it tarnished through an incompetent and careless billing department. I wish to see some type of sanctions as this callous and careless attitude should not go unpunished I can provide any further information that the CFPB shall require.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
IN EARLY XXXX XXXX XXXX I MOVED DOWN TO XXXX SO I CHANGED MY ADDRESS  SINCE I WAS MOVING TO XXXX  . ALL OF MY ACCOUNTS SWITCH OVER TO MY XXXX ADDRESS WITH NO PROBLEM AND MY CREDIT REPORT CHANGED TO MY XXXX ADDRESS.  WAS IN XXXX FOR 3 WEEKS DIDNT LIKE IT SO I MOVED BACK HOME TO XXXX XXXX I WENT TO THE POST OFFICE IN XXXX TO HAVE MY MAIL AND MY ADDRESS CHANGED TO MY HOME ADDRESS IN XXXX WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX  AND I WENT TO THE POST OFFICE IN XXXX XXXX XXXX  TO HAVE MY MAIL SENT TO MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. . I  CONATACT ALL OF MY CREDITORS WITH THE NEW ADDRESS AND THEY SHOULD OF UPDATED MY ADDRESS TO THE CREDIT BUREAU . THE ONLY REPORT THAT IS NOT UPDATED IS EQUIFAX. I SENT THEM MY INFORMATION THROUGH THE MAIL 3 WEEKS AGO AND STILL NOTHING BEEN CHANGE . I EVEN CALLELD ON THE PHONE AND I AM GETTING THE RUN AROUND. EQUAFAX STILL SHOWS MY CURRENT ADDRESS ON FILE AS XXXX NOT XXXX  SO IF I WAS GOING TO GET MAIL FROM EQUIFAX IT WOULD GO TO XXXX AND YES INTO SOMEONE MAIL BOX . WHICH IS NOT GOOD. . IVE BEEN TRYING TO SIGN UP AGAIN FOR A EQUIFAX MONITOR SERVICE  WITH MY CREDIR CARD WHICH I CANT BECAUSE THE ADDRESS ON FILE WITH EQUIFAX DOESNT MATCH WITH MY ADDRESS WITH MY CREDITORS  AND I MEAN ALL OF MY CREDITORS THAT ARE OPEN. I HAVE 9 CREDIT CARDS THAT ARE OPEN AND IT SHOWS MY ADDRESS IN XXXX NOT XXXX SO EVERY TIME I TRY TO USE MY CREDIT CARD I GET DENIED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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: Old information reappears or never goes away

Complaint:
credit inquires over 90 days still on the on, some go back to XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( Experian and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting??? I also call Experian on XX/XX/2019 and talk to XXXX about disputing it and she failed to submit my complaint ( please have experian address the failure she did have all my credentials, no excuses they can find her and address 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 non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: NJ
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 have been closely monitoring my credit for the period of six months and requested for a validation of each fraudulent accounts listed on my report to be verified and validated with the original promissory note/letter. 
I received no remedy of result from this request. 
As time ensued, I discovered multiple consumer violations of 15 USC subsection 1681 ( c ), 15 USC subsection 1681g ( a ) ( 5 ) of which my information was sold causing me financial setback having negatively affected my acquisition of various items of necessity. Violation of 18 USC subsection 1028 A ( 1 ) where the knowingly transferring of my private identity without lawful authority. Several violations of Permissible Purpose reports 15 USC subsection B, where I gave no authority for reporting my credit scores.

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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
unauthorized inquiries on transunion XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-14
Company: BARCLAYS BANK DELAWARE
State: NH
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 show a charge from Barclays on my credit report. The card shows payments being made monthly since XXXX  until I filed a complaint with Barclays, now the card shows a {$55.00} over due balance. I reached out to Barclays several times and they keep telling me the card is valid. I noticed an address in Florida on my credit report and I've never lived in Florida or do i know anyone who does. I hope you can help me with this issue. I've also filled a complaint with XXXX and will do the same with MA Atty General if need be. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH 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 2019-11-18
Company: TCF FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, dob XX/XX/XXXX was told that she had to take a loan to pay back " taxes '' that she owed. My brother coerced my mother to take out this own because she owed " taxes. '' My mother states she did not go anywhere to get a " mortgage '' on her home. States she did not even know she had a mortgage until her daughter got involved because my brother was evicted from her home on XX/XX/XXXX. After reviewing her " mortgage '' documentation, the information was faxed to my mother and she signed it. Not knowing what the document entailed. She thought that she was done paying the " taxes '' a couple of months ago and is now aware that she has a 20 year mortgage. 

XXXX XXXX had been Power of Attorney which was revoked on XXXX XXXX, 2019 New POA : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a fraud dispute with my bank. My claim was denied and I was informed that I authorized the disputed charges because I did not report my card lost for several days. When speaking to the fraud department I informed the representative I just noticed unauthorized transactions on my account. The representative demand I give her an exact date my card was lost. I informed her Im not sure but she persist in me providing a date. I informed her the last transaction I authorized. I did not know my card was missing until the day I called to report the unauthorized transactions. I feel the screening process was misleading and deceptive. I am requesting an investigation be conducted on my behalf to clarify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
They purchased my mortgage from my old mortgage company. I paid my mortgage on time, and they recorded that I was 30 days past due. I called them to try to resolve, and they opened a case, but called me back today to inform me that they would not change the credit reporting.

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 2023-07-17
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: Account information incorrect

Complaint:
Wrong address displayed on credit report immediately remove XXXX XXXX XXXX XXXX XXXX fl XXXX and any other address my only and current address Is XXXX XXXX XXXX XXXX  XXXX fl XXXX I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today XX/XX/19 Several bills on my account Online recovery have placed several bills on my credit report I called them about it and gave them the account number that they asked for. They responded with another name which wasnt my name. I informed them that it wasnt me they then threaten me to give them all my information I refused because each Acct number that I gave them did not reflect my name in any way form or fashion wasnt even close to my name. I asked them to removed it. It was not me or my bill I dont have a clue of who these people are nor the bill or doctor..they then proceeded to use scare tactic toward ls me to try and make me give them my ssn and name I refused again Pls help me get these accounts off of my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
They purchased my mortgage from my old mortgage company. I paid my mortgage on time, and they recorded that I was 30 days past due. I called them to try to resolve, and they opened a case, but called me back today to inform me that they would not change the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Exeter Finance Corp.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I sent a dispute for debt. 30 business days later on XX/XX/XXXX I sent a request for verification of debt to be sent to me and it came back from all 3 credit bureaus that the debt was validated without documentation. Also, there was a {$19.00} payment that was made unknowingly by who after I sent my 1st dispute in, seems as if it was an attempt to keep activity on the account. The company is Exeter Finance Corp .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit line started a {$2400.00} and has been decreased 2 times since opening the card. The 1st time It was reduced to {$1700.00} and I have never paid Bank of America late or any cards late since the approval. Of late I paid or reduced the balance from {$1600.00} to {$40.00} along with paying approximately {$7000.00} off in other bills. My credit score is higher than it was when they approved me for the card. After paying the bill down to nearly {$40.00} they reduced my limit to {$500.00}. They never provide an increase as promised. I do believe XXXX XXXX  are treated differently! This has a serious impact to my credit score which is affecting my overall credit score.

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 2019-10-24
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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Navient Solutions, LLC.
State: MN
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:
Multiple times during repayment, my payments have been misallocated my funds. Charged outrageous interest amounts. This was done over years of payments and in my naivety I did not realize what was happening. I recently thought I had paid off my loan and now am getting a notice stating I still owe over {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Rhojo Enterprises, LLC
State: TX
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/2018 I sent a certified mail asking this collection agency to send back documentation of this. Not only didnt I get a response from Orion recover it fell off my credit and was added as XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-01
Company: EQUIFAX, 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:
My account with XXXX XXXX XXXX XXXX was recently report falsely 30 days late for the month of XXXX even though at the time I was in the process of filling an extension which was granted and I was told they would not report a 30 day late. At that time I wanted to be better safe then sorry so I asked for a letter and the representative I spoke with told me not to worry and I have his word that they will not report a 30 day late. 

I believed that representative but found out a month later that they did in fact report to all 3 credit bureaus a 30 day late. I was able to find out this information through XXXX XXXX. 

I then called several times and I was told the only person that can help me is an individual named XXXX XXXX who is a manger of the entire credit department. When I spoke to he it was as if I was speaking to a robot as she did not listen, spoke over me, proceeded to tell me she could not help me and told me they can not give charity out. 

Needless to say I was very upset and asked to speak to her manager at which point she hung up on me. I then called back several times at which point I was told her manager 's name is XXXX XXXX XXXX who would only communicate to me through email even though I repeatedly called him with no response. He did respond saying that he could not help me and they have helped me in the past and I was luck that I received that and was very cold and rude through his emails. 

Please help me on this matter as I am very unhappy and I still have not resolved this issue and nobody is calling me to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Medical Data Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They called me. I contacted my insurance company about the bill and my insurance company told me that they made a mistake due to incorrect or missing information from the hospital. They told me that they would resubmit the claim. When I informed the collection agency they told me that they could not resubmit it since they now have the info and the hospital has no info on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had this mortgage for about 15 years, and it has been sold a couple times to other providers. We pay more than the payment every month. We have been doing this for years. Over the last two years there has been multiple times, the additional amount is applied to payments, and not the principal. We call, they apologize, and they say it won't happen again. There has been at least 4 times we have caught this. Due to us not seeing this in the past, it appears they are doing this intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
on XX/XX/XXXXI opened an account with Coinbase to purchase digital currency. {$4000.00} was moved to coinbase which I then purchased XXXX. A few minutes later my account was closed by coinbase for no reason. Now I cant access my account and the money was taken from my bank account.
I 've called them over 20 times, but no answer and they just hang up. I 've also send over 10 emails. 

I need to have acces to my account to transfer the coins. Right now they are holding my money and not giving me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: NE
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:
I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.

Company response to consumer: Closed with explanation