BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: GA
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:
The following items are incorrectly reporting : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX The status is incorrect on the following items : XXXX/XXXX  XXXX - Date Opened : XX/XX/XXXX ; I was never late 30, 60, or 90 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or  60 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or 60 days late from XX/XX/XXXX - XX/XX/XXXX Incorrect Public Record Information : I never filed Chapter XXXX bankruptcy ( XXXX  ) I never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit report and found a series of disturbing alerts. All of these inquiries and accounts have been submitted and/or obtained without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclays rewards closed my credit card on late XXXX due to my balance on a competing XXXX XXXX high balance. When they closed it, it took months to get Barclay 's to send statements. They froze my ability to continue online paperless internet account access. Then I reported them to the OCC and I started to receive statements on and off during XXXX. They have continued to freeze online access on and off as well. Reporting my account late 29 percent of the time I want my history corrected due to their continued unethical collection actions. I have reached out to them several times, Paid the account off and they refuse to assist at all. I have 12 other credit card accounts with 7 plus year history and not 1 late payment.

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 2018-07-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hi, I was contacted last year by XXXX XXXX XXXX, formally XXXX XXXX XXXX, about a student loan I was unaware that I had. They provided me a loan payment book with coupons that I was to send in every month with a check. The book also included a website where I could register to pay my loan off online. I paid the first installment via check on XXXX XXXX, XXXX. This check was cashed. 

I then tried to register on XXXX, but was unable to because my SSN was not registered with their system. Fine, I thought, they have my wrong SSN, but they were still able to cash my checks, so I'll just pay them this way. I continued to pay them monthly using the coupon book. 

However, I became increasingly frustrated in XX/XX/XXXX when I tried to contact them via phone in order to resolve the SSN issue. I wanted access to my account. I wanted to see what I owed and why, and what type of loan it was. I had NO information and NO access.

I couldn't speak with anyone though because either my SSN or my account number were required to move forward with the call. As I mentioned, my SSN didn't work, and it turns out that my account number wasn't registering with them either. This made no sense to me because my account number is printed on every single coupon I have. Further, I found it suspicious that they are able to cash my check every month with an incorrect SSN and an incorrect account number. I tried to contact them via email, but was unable to because I needed my account number for that as well.

Lastly, today I logged onto National Student Loan Data System and saw that while I could account for the 8 subsidized and unsubsidized loans and the 1 I pay through heartland, I could not find a 10th loan, which is what this loan is. I am paying off 10 loans, but can only find evidence of 9. My credit report also does not show that I owe XXXX anything. 

I don't know what this loan is and I have no way of finding any information out because this company has made it literally impossible for me to contact them. And yet, they have no problem cashing my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Army and Air Force Exchange Service
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
By looking at MyFICO the status of my Military star card on XX/XX/2019 it was sent to a collection account for the amount of {$610.00}. I had never got an email, phone call, or a bill sent in the mail to me, without receiving anything I didn't have the information I needed of where to send a payment to. I had never got a call until the collection company contacted me. When I got the call from them about this account, I paid it in full. I had asked them if since I never got anything about this account if there was a way we could remove it from my report, they said no they weren't able to remove it all they could do was put it as paid. We are trying to get a home loan and this on my report is hindering my chance of getting approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account IMMEDIATELY!

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 2020-05-27
Company: BANK OF THE WEST
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Denied Access to Funds Imposed Unfair Overdraft Fees Failed to take Action when reporting Unauthorized charges, Deceptive Practices Negligable Securitization Failure to Preform Duties

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 2018-07-10
Company: RGS Financial, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is in regards to XXXX  treatment rendered and completed in the latter months of XX/XX/XXXX. Exact dates are not know for treatment. My XXXX   treatment was completed XX/XX/XXXX. I have received a letter in the mail from a collection agency for the treatment received by my former employer XXXX XXXX XXXX in XXXX OH Re : acct # XXXX. I would like to make it clear that my complaint is NOT directed towards the XXXX that rendered thesXXXX XXXX   services to me.

My compliant is however directed towards the clerical staff and manager that were/are involved in this alleged debt. A notice for a bill in the amount of {$2700.00} was sent to me on behalf of XXXX XXXX XXXX- XXXX   office by RGS collection agency on XX/XX/XXXX.

Exactly 3 days before my employment was ending due to me relocating out of state.

An employee discount was discussed and offered by the treating dentist and approved by the office manager XXXX XXXX  before any XXXX treatment was rendered. The amount attempted to be collected was explained away by XXXX XXXX  as several different clerical oversights and billing issues with my XXXX insurance company. I was told by XXXX XXXX on several occasions to disregard any bills that were received, that they were to be cleared up by herself or company admin.

I was told this for 2+ years up until the date of receipt of the collection notice and after. My moving out of state ( XX/XX/XXXX ) seemed to be an out for my former employer and manager XXXX XXXX to saddle me with debt I don't owe nor has she provided proof of me owing via a signed treatment plan to confirm this debt.

My credit is in jeopardy of being damaged by this debt collection that XXXX XXXX knows will dis-rail my future career goals in real estate as an real estate investor and a major reason of my relocation.

Any efforts to resolve this issue reasonably seems to be exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency NEVER sent a letter stating that you had completed your investigation and the items were not deleted, as requested. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SOUTHWEST COLLECTION SERVICES 1ACCOUNT # XXXX ON BEHALF OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through your company, shows a medical account that does not belong to me. I believe you have erroneously listed this account and I would like to have it removed immediately. Below is the account you have listed. 

Name : XXXX XXXX Social : XXXX Account : 1.SOUTHWEST COLLECTION SERVICES ACCOUNT XXXX ON BEHALF OF XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Delta Gold Skymiles card with American Express in earlyXX/XX/XXXX. The promotion I enrolled in was XXXX Delta Skymiles for spending XXXX   within the first three months. I did this before the end of XX/XX/XXXX. Since then I have been trying to get my bonus miles and given nothing but excuses. First I was told I was being investigated for misuse. They would not elaborate on this. Around XX/XX/XXXX I was told the investigation was complete and I would have my miles in XX/XX/XXXX. I called twice in XX/XX/XXXX and was given responses ranging from I will have the miles by the end of XX/XX/XXXX, to I will have them the first week of XX/XX/XXXX. At this point I have been calling a few times a month since XX/XX/XXXX and have gotten little to no answers and none of the bonus miles I was promised. The Amex case code is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
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: Their investigation did not fix an error on your report

Complaint:
Equifax failed to investigate properly dispute of incomplete and inaccurate items submitted XXXX XXXX, circled on attached XX/XX/2020 credit report alleging creditor verified information is correct. 
Status states account " over 120 days past due '', when I search for amount past due there is no amount and a XX/XX/XXXXbalance. 
I have called and spoken with representatives that clearly see the inaccuracy but refuse to comply and remove the inaccurate record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Siwell Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/XXXX i called to make a past payment for XXXX since Im Behind and they charged the wrong account I have not used in over 4-5 months that I told them to remove as it is no longer an account to use. They charged the old account overdrawing my account by over {$3500.00} and I was hit with over {$100.00} in overdraft fees. I called to address the issue with no help and getting the run around I would like a refund of the XXXX to that account plus the {$150.00} in overdraft fees as a result so they can bill the correct account. No one has tried to help or resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are Best Buy, Macy ; s and XXXX XXXXXX/XX/XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.

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 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 receive 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 tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they didn't remove it. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified consultants Inc, placed a collections account on my credit from XXXX michigan when i live in XXXX   NC. The origional creditor is XXXX The date of the account is XX/XX/XXXX. The amount is {$350.00}. I informed diversified consultants that i do not live in michigan i live in NC. The name on the account is mispelled. I requested original contract with a signature so that it can easily verified as fraudulent. I have sent them a copy of my ss card as well as ID with my signatures on it to compare. They still allow this fraudulent account on my credit report knowingly attempting to collect an account that is not mine. They have yet to produce any documentation af5er receiving 3 debt validation letters from me. First letter sent certified maiXX/XX/XXXXXX/XX/XXXX Second letter sent XX/XX/XXXX Third letter sent XX/XX/XXXX. This is a fraudulent account damaging my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: JPMORGAN CHASE & CO.
State: WA
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:
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: Veros Credit, LLC
State: AZ
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, Veros Credit filed a law suit against me for the amount of {$5100.00}. 

On XX/XX/2018 I filed a response. Included in the response was a request for validation of the debt. It was requested that this include a signed contract and all payments that were made. ( This is just part of the request ) On XX/XX/2018 I filed a dispute with XXXX  and XXXX  requesting validation of this account. 

I received a letter dated XX/XX/2018 from Veros Credit. This letter included a Retail Installment Sale Contract. 

The next letter was dated XX/XX/2018 from Veros Credit. In the letter it states that it's in response to a request for verification of a debt. They stated they already provided me with it and that they will not respond to any such requests in the future. 

Although it may not matter, their original response dated XX/XX/18 was in response to my court filing. It had nothing to do with the credit reporting. It would appear they are mixing the two. One part being court. The other part being credit reporting. With that being said, it should be noted that as part of my response in the court filings, I requested the payment history, which is part of what is being reported to the credit bureaus. This would be able to show the exact amount that is actually due. 

XX/XX/2018 we had court. I still had not received payment history. Although, I had rec 'd some other documentation. At court the judge noted that I had requested specific verification which included payment history. The judge told the other party that they needed to provide me with the requested documentation. Right after court I received an email from the attorneys for Veros Credit. It was the same documentation that had already been mailed to me prior to court. It did not include the payment history. 

XX/XX/2018 we had court again. We discussed the fact that the plaintiff still had not provided the requested documents. We were told that a court date would be set for trial. Since court, a trial date has been set for XX/XX/2018. 

To date I have not received the payment history. 

It is my understanding that in order to report something on someone's credit, a creditor must be able to provide verification to back up every aspect of what's being reported. This includes payment history. Payment history is great because then you can show the amount that's owed. In this case the amount being reported is different from the amount being requested by Veros Credit in court.

Seeing as Veros Credit is refusing to provide documentation to back up payment history, I'm asking that they delete this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions 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:
XXXX XXXX placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.

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