BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: EQUIFAX, 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 information incorrect

Complaint:
I have tried several times to correct this with Equifax, to no avail. There are several incorrect things on my account. 

1. XXXX XXXX XXXX XXXX shows 2 late payments. XX/XX/XXXX - I have never paid this account late. Those late payments need to removed.

2. XXXX XXXX XXXX shows 1 late payment on XX/XX/XXXX- I have never paid this account late. The late payment needs to be removed.

3. XXXX XXXX shows 2 late payments on XX/XX/XXXX - I have never paid this account late. These late payments need to be removed.

4. XXXX XXXX shows 1 late payment on XX/XX/XXXX - I have never paid t his account late. This late payment needs to be removed.

5. A collection account is showing on my credit report from XXXX XXXX , XXXX . This is NOT my account. This needs to be validated with a signed contract from XXXX XXXX , XXXX . This is falsified information and needs to be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a loyal consumer of XXXX XXXX for over 15 years. Whenever I called to speak to someone I and it seemed the customer support person as well were having language difficulties. The worst was that they would put other peoples charges on my bill and when Id catch them I would call to have them removed. I got tired of this and decided to try XXXX in XXXX. XXXX paid {$250.00} for the switch which I paid to XXXX. I have never received a call or a bill from XXXX after I paid the {$250.00}. I had my credit report pulled recently and XXXX has reported that I owe them {$140.00} through Diversified Consultants. I had never received any notification from this company about this alleged debt. I called XXXX to attempt to get an explanation of the {$140.00} they say is owed. The Customer Service Rep kept asking me what was the passcode to the question what was the name of the block I grew up on and I told them, but the system would not let him in. He said that the account its either too old or my password is incorrect. Well my passcode is correct I had it for 15 years and I have grown up on only one street and I did not forget that fact. I was transferred to everyone. No one could open this account to tell me why I owe this money. I was eventually told that I the XXXX   stores would be able to open the account but they could not. I went to the XXXX store and they had the same problem and called someone to help and I was told that the account is closed and too old to open. If that is the case, then why would I owe them any money. I have the right to know why I have a bill. I left XXXX owning my phone and so did my son. So we only had bills that was owed and we were not under contract but with only one phone which was my husbands phone that I believe he didn't own. But the {$250.00} pay off should have paid for the phone.. I spoke to XXXX and they said that they would consider paying the debt if it had to do with a contract issue but would need the break down from XXXX. But - XXXX can not open the account to give an explanation. I should not be in debt to anyone who can not prove what it is that is owed. I am looking for them to remove their debt report from XXXX, XXXX, XXXX   and any other agency they reported this to. This was placed on my report XX/XX/XXXX by Diversified Consultants XXXX XXXX XXXX XXXX Fl XXXX - to be removed from my report XX/XX/XXXX. 5 years for {$140.00} is a long time. But I still have the right to know why I owe this money and no one can tell me. 

XXXX XXXX XXXX I am afraid that because it has taking me so long to get any information, that tmobile won't pay since they are now in the process of merging with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: FORD MOTOR CREDIT CO.
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: Information belongs to someone else

Complaint:
due to the immense impact of the notorious coronavirus some companies have accidently reported negative items on my report. i assure you i have been on time as i can and i should not be held responsible due to the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was being sent to a wrong address on file. It was updated at the time of visit but never entered into the system. I pulled my credit report and saw this on it. I immediately called and verified they had the wrong address and paid it right away and asked for it to be removed since this was not my fault. They said they would and it is still on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XX/XX/2018 a legal hold was placed on my XXXX bank account for {$4600.00} by the company LVNV Funding LLC. When inquiring about the origin of the hold, this company told me they do not have the information about the original debt but have the amount owed and the dates these purchases were made. The dates of the purchases are from when I was a teenager and the name on the account is not my correct name therefore is related to fraud/identity theft. When I contacted them about this they forwarded my call around what seemed like their entire company phone system and no one was able to help me file a claim for fraud. The hold has been on my account for almost a year and no resolution is in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All 3 credit bureaus are listing another XXXX  XXXX debt on my reports I've already paid it through a collection company named the bureaus but because the bureaus know its illegal to buy a debit and come after me for it they listed another one on the credit bureaus as coming from XXXX  XXXX but the address and phone number to contact is the bureaus because I called the number and that's who answered so their either trying to make me pay it again or just putting a bogus one on the credit bureaus. I never had two XXXX  XXXX cards, this is just becoming a nightmare I'm trying to clean up my credit so I can purchase a home and it seems like for every step forward they make me take two steps back.

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 2019-02-04
Company: Experian Information Solutions 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:
I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them

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 2019-02-04
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:
I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXXXXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX  that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive

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 2020-10-09
Company: EQUIFAX, 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:
I wrote a letter to XXXX  a month ago disputing some inquiries That did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
Equifax previously responded to my identity theft complaint citing : " Please be advised that inquiries are a factual record of file access '' 15 USC 1681 d-2, states that a consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681 e, states that an investigative consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
received e mail from TRUE ACCORD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ON XX/XX/2019 SEEKING COLLECTION OF A DEBT FROM XXXX A PAYDAY LOAN COMPANY. I INFORMED THEM THAT THESE LOANS WERE PROHIBITED IN NEW JERSEY AN GAVE THE NJ STATUTE ANN.tit. 17,1 et seq., NJ STAT ANN. 2C : 21-19., NJ STAT. ANN. 17 : 15A-47 I HAD BORROWED {$800.00} and Paid back {$960.00} and considered this matter closed I disputed the validity and amount they were attempting to collect which was {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: IL
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:
Another person 's credit information is showing up in my credit report I have only one major credit card under my name but lot of information coming up isn't related 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 2018-06-05
Company: JPMORGAN CHASE & CO.
State: MO
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 called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: Continental Services Group, Inc. d/b/a ConServe
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX I register for a class ( XXXX XXXX XXXX ) at the XXXX XXXX XXXX, that same day I got an email from XXXX XXXX " XXXX '' XXXX that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the XXXX XXXX XXXX course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX XXXX XXXX, XXXX. ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

Low and behold they did, they sold it to Conserve who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Up until 2 years ago I was never shown an option for IDR. My loans were always in deferment, which was the only option aside from forbearance that was ever offered. So for 8 years I was continually being charged interest. I researched on my own and found the IDR. I applied and obviously was approved. I didn't start working until 3 years ago. So the first 7 years my income was {$0.00}. Now I owe around $ 2k MORE THAN my original loan, 10+years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts on my Transunion credit report. FTC ID Theft Report # 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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Have been always current with Capital one. 

Did carry a balance but it was at a promotional rate. 

Have made absolutely no new purchases or transactions for over 6 months. 

Without any notice or proper disclosure raised my minimum payment. 

Since it's on autopay ... 
resulted in late fees and loss of lower interest offer. 

In the past they changed my due date which caused me to be unintentionally late which Gives them the " right '' to charge more late fees and revoke low interest offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Navient Solutions, LLC.
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:
I have twice made large payments. I called and made payments over phone to tell them specifically how to pay the loan once i verified payment amounts. Both times after i paid off loans there was overpayments that were redirected in a way beneficial only to the loan company. First there should have been no overpayment because i called and verified the amount i needed to pay. Second I was not asked how to direct any overpayment. The response from Navient was that there was a way ( well hidden on the website ) where you could select the options for overpayment. The links for this area to select options are impossible to find.

Company response to consumer: Closed with explanation