BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
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: Public record information inaccurate

Complaint:
I have asked XXXX Credit Reporting agency, Equifax credit reporting agency, and XXXX credit reporting agency on multiple occasions to respond to my request with regards to the replying to my request per FCRA 611 ( 15 U.S.C $ 1681l ). My request to XXXX was as follows : Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

For example, the person you spoke with at the bankruptcy court. Moreover, would you please provided me a complete copy of all of the information that was transmitted to the data furnishers as part of the investigation, as is required by FCRA : For example, who did you speak with? What was the date? How long was the conversation? What was the position of the individual you spoke with? What number did you call? What is the name of your employee or their I.D . number of the person that spoke with directly? What number did your employee call? And what is the position of your employee that spoke to the at the Bankruptcy court? 

XXXX has refused to provide me with the information per Federal law. Attached please for the letter that I sent in addition to Experians response to my CERTIFIED MAIL REQUEST mail on XX/XX/2022. 

As I am sure XXXX did not contact the Bankruptcy Court nor any other agency per the FCRA law as required to furnish me with my requested information. 
I would like very much for them to follow the law as required and provide me with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Collections Acquisition Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter on XX/XX/2022 from Payliance debt collector that it said a have to pay a debt from XXXX of XXXX XXXX I sent back a letter to explain that t debt was not mine, I did not make any transaction on XX/XX/2022, and I have my bank statement from this period to prove it. I was trying to contact the phone number that the letter provided but was disconnect. please, I need your help, because I believe I have been a victim of identify theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had defaulted on my student loans in XXXX. I entered into a rehab program with Pioneer Credit Recovery. I have been making monthly payments faithfully. The agreement I signed with Pioneer promised that my federal tax refund would not be offset if I entered into a payment plan with Pioneer. They lied. In XXXX of XXXX, the IRS took my federal tax refund of about {$1600.00}. I contacted Pioneer and they told me the Dept of Education should not have taken my tax refund because I had entered into a payment plan and have been making payments. I tried calling the Dept of Education but they keep disconnecting my calls. I have sent both Pioneer and the Department of Education 2 Certified Letters requesting a refund and a hearing to dispute this offset. I have received no response.

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 2022-10-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

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 2021-09-13
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because XXXX XXXX XXXX  ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Way Point Resource Group which was originally XXXX I guess it's been on my credit for at least 5 years now but it's saying it's only 7 months old they keep bumping it to a different debt collector so that it keeps the debt open I don't even know of this and when it was established or what residence it was at

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
First off, we are responsible and hard working people not looking for a bail out, just company that can operate fairly and accurately. XXXX XXXX XXXX consistently makes vital errors, gives wrong or inaccurate information and has terrible customer service. 

Ever since I consolidated my and my wife 's students loans in 2013 and were set up with XXXX XXXX XXXX XXXX we've had issues when it comes to re certifying our income based loans, inaccurate information and blatant errors. 

Each year they fail to calculate our income based repayment plan properly and we are forced to spend hours on the phone with them or resubmitting paperwork because of their mistakes. Not to mention the thousands of dollars they are costing us. Every year since 2013 they've made errors when recalculating for IBR. Often doing the math wrong or forgetting to add in my or my wife 's loans on both our accounts. Last year they miscalculated 4 times taking 9 months for them to get the payment corrected. During that time both loans were put into forbearance and we were charged nearly {$20000.00} in interest because we were not making payments, due to their error. After endless hours on the phone, being given inaccurate and contradictory information they finally got it correct. Also, I'm on Public Loan Forgiveness and missed 9 months of " qualifying '' payments because of their incompetence. I would have liked to have been paying on my loans, at the correct amount. 

The company makes extremely costly errors, admitting to the errors over the phone and gives inaccurate information. They should be replaced by the Education Department and held accountable. I would venture to say most of our current national student debt issues are caused by these incompetent private companies, due to fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the DATE OPENED, LAST REPORTED, DATE LAST ACTIVE AND DATE OF LAST PAYMENT all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened an account with Bank Of America XXXX 14 Years ago.In XX/XX/XXXX I enrolled in National Debt Relief program to be able to pay my bills off. I was having a financial hardship.After enrolling I put stop payment on all XXXX XXXX deduction The date was XXXX XXXX. I had three other accounts that I allowed them to get payments from my account. I contacted all three and gave them the information of this Debt company. On XX/XX/XXXX The bank allowed XXXX   XXXX to once again take XXXX from my checking account I disputed this the bank gave me my money back.I put stop payments on this account to prevent this from happening in enough time. The bank told me th change my debt card. I did that and on XX/XX/XXXX The bank allowed this to happen again.XXXX deducted.The company got the money by changing their name to XXXX XXXX I disputed this the bank put it back in my account. On XXXX XXXX. The bank once again. Took this money from my account.This is fraud This company name is XXXX XXXX not XXXX XXXX The bank is wrong to give them my money. I have been on Social Security for 14 years and I put my trust in this bank. That money came from my disability check.

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 2022-07-18
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
American express wont change status of account to paid in full after and agreement was successful completed and i paid in full debt. 

Debt currently has XXXX when my debt should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with chase bank and I went delinquent on the debt in XXXX cause I lost everything, which was my business and alot of my properties, my job in construction. this all happened when the economy went downhill. I was served with a judgement on this case but I was served with 2 judgements but on 2 different times, once in XXXX and once in XXXX. I have 2 judgements reporting on this case and the amount has increased by $ XXXX. I believe this debt was cancelled in XXXX by chase bank but last year in XXXX it was sold to a different collection agency by the name of XXXX XXXX XXXX XXXX and they revived this judgement and now want to collect $ XXXX, when the original debt was $ XXXX. How is that possible? Can someone look into this because this doesnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and somebody applied for a XXXX XXXX XXXX XXXX credit card account ending in XXXX. The account is a fraudulent account and dont belong to me. I have never applied for a credit card account with Chase. I would like to apply for an account with Chase Bank, but Chase will not accept any credit card applications from me due to the fraudulent account thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018, I sent the attached letter to Equifax requesting they verify the name being reported on the account. I received notification that the account was verified and remains on my report. This is impossible as the account does not belong to me and is NOT in my name and never was at any point per XXXX XXXX. I don't understand how Equifax is stating they verified my name as being reported for this account. My rights are being violated per FCRA and request this gets re-looked at and immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Tate and Kirlin Assoc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Invoice Date X/XX/17 {$130.00} Collection Firm : Tate & Kirlin Associates, Inc I just received a bill in the mail from Tate & Kirlin Associates, Inc. I have no idea what this is for. I do n't owe anything like this at all. I feel like it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00} or XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.

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 2023-09-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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'd like to follow up regarding my previous complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding how Equifax handled my dispute dated XX/XX/XXXX. I'm worried about the lack of progress on the part of Equifax Credit Bureau. The fraudulent inquiry mentioned in my Equifax credit report was still unresolved, and I'm kindly asking for your immediate attention to this issue. And even though the XXXX have removed some fraudulent inquiries but there were still three remaining fraudulent inquiries that I need the XXXX to remove. I've provided a list of the outstanding fraudulent inquiries for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent three checks to different banks as payments of my credit cards bills. 
My bank ( Capital One Bank ) returned these checks unpaid even though my account had sufficient funds to pay these checks. I called Capital One to complain however the problem was not resolved and I had to close my checking account. However, Capital One did not return my funds which were deposited to this account. I need help getting my money back from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
I took out a Personal loan installment loan with a fixed interest rate from XXXX XXXX XXXX. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XX/XX/XXXX app that I had a closed account. When I checked the notification it had XXXX XXXX XXXX as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local XXXX XXXX  Branch Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.

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 2022-07-18
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have XXXX. I have been out of work for 5 days and have not been able to work my second job either. I called Flagstar Mortgage on XX/XX/XXXX and was advised that they could request a forbearance for me but there were no guarantees. I have been trained in disaster relief for forbearance from the company I work for and do not understand why I am being told I may not qualify for a disaster forbearance. This is not the first time I have had issues with this company. In XXXX of XXXX I cashed a check from them that bounced and ended up having to pay {$14.00} in bank fees ( that to this date still have never been reimbursed. ) the customer service at this company is deplorable. I have even dealt with escalation agents who have been down right rude to me. I still do not have confirmation on my forbearance, and have been told they are waiting on approval from my investor. At the company I work for no one has ever had to wait for approval from an investor to put someone on a forbearance. This company should truly be investigated for their practices. Thank you

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