BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Attempted to order my credit report online. Kept loading on me. Restarted it and the report never populated. Only option it gave was to end the session or contact them. The contact them ended up being similar to an inquiry. I used it to submit a complaint and gave them my house adress. Did not ask for email or phone. The message I got in return was they couldn't process my request. I did attempt to resubmit the report request and Said it already gave me one. I attempted to call them by the telephone number provided by the cfpb. Would not give me an option to speak to anyone and would only allow me to place an order in for the report. They said 15 days. All automated. Ironically it was for the XXXX XXXX XXXX  which was all found with the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected consumer rights and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CITIBANK, N.A.
State: MT
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XXXX XXXX I contacted Citibank in regards to discovering my credit limit was drastically decreased after checking my credit. I spoke with several departments and supervisors asking why it was drastically decreased explaining that payments were never late and credit card was paid off early and there is continued use. They refused to tell me why or allow me to dispute this also refused to reinstate my original credit limit.

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 2018-05-17
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: Account information incorrect

Complaint:
I have an account with XXXX XXXX and they have a late reporting on my credit report. XXXX XXXX   charged me for overdraft protection that I never signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax used my information incorrectly due to a breach so I now have discrepancies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The reason for my complaint today is because I have faxed Equifax on several occasions my drivers license and Tax returns in an attempt to Permanently remove the Extended Fraud alert on my file and to update my current addressXXXX XXXX XXXX XXXX FL XXXX. 

They claim that they have not received my fax and are asking me to re-fax the information to them. I am attaching my Tax returns to this complaint and my drivers license that shows my current address that I am wanting to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, 2016 was when they say the account was opened..They kept calling my phone non stop harassing me about a loan of a {$130.00}. It says it is a XXXX balance account but still showing on my credit report. I would like this to be removed from all three Credit bureau..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX on XXXX XXXX using my Synchrony Bank, XXXX store card. The camera was defective and I returned it via XXXX on XX/XX/XXXX. I have a receipt from XXXX reflecting this and it clearly shows on their website when searched using the tracking number XXXX. A credit was posted when XXXX received the shipment. In XXXX the credit was reversed. I reached out to XXXX twice and both times the rep stated that the item would be researched. I never received an email back or any form of response. Frustrated with XXXX, I then disputed with the credit card company. I provided copies of the XXXX shipping receipt that I received when I dropped the package off in XXXX. They placed a provisional credit. Then around XX/XX/XXXX they reversed the credit and sent me a letter stating that XXXX said that they did not receive a shipment back with the tracking number listed above and that I need to send proof that it was shipped. I have no other proof that the XXXX receipt and the evidence of the shipment back being received by XXXX warehouse in XXXX, KY. I am being defrauded of XXXX, I believe someone in the warehouse stole the contents of the package. I should not be paying for XXXX shrink. XXXX arranged for the return and has a relationship with the carrier therefore shipping terms should be FOB shipping point. In XXXX I placed a total of XXXX orders and XXXX XXXX orders. I am not financially hurting, I have paid little to no interest to Synchrony because I am financially secure enough to pay off my balance and capitalize on 5 % discount when using their card. I do not need to steal or lie from XXXX or anyone. But apparently XXXX needs to rob customer when items go missing between XXXX and the return dock and Synchrony assists since they blindly accepts XXXX word and not take the time to review evidence of check tracking number.Lesson has been learned to not buy electronics or items costing over {$50.00} from 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 monetary relief
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: CT
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 consolidated approximately {$46000.00} in student loans with XXXX XXXX  in XX/XX/XXXX. XXXXXX/XX/XXXXbought XXXX and lost my note. I Hired attorney and resolved the matter. Paid back approximately {$110000.00} for the {$46000.00} I borrowed. Constant record keeping problems with XXXX and other government subsidized collectors. Its paid in full. They say {$5000.00} outstanding. THEY ALSO SAY THAT XX/XX/XXXX brought a collections action against me. NO SUCH COLLECTION ACTION HAS BEEN TAKEN! I have never been notified by XXXX XX/XX/XXXX of any such collection. I WISH THEY WOULD START AN ACTION so I could straighten this out. They are falsely reporting a collection action to credit report. They need to SUE ME for their delinquency claims OR GET THAT OFF MY REPORT. This should be illegal. The student loan collection practice throughout the life of the loan has been rife with inaccuracy and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Resurgent Capital Services L.P.
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:
I have stolen my information by someone and unknown collection is showing on my credit report and wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Knight Adjustment Bureau
State: UT
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: Problem with personal statement of dispute

Complaint:
There are lots of stuff on report that I've never seen before and every amount on accounts is totally highger and are hiting my report 6 diffenrnt times with one account I don't understad why my account info was givin to another company with no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, INC.
State: FL
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:
As of XX/XX/XXXX this year i will be graduating XXXX XXXX  so I decided to pull my credit. I have credit inquiries form XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I opened an account with XXXX XXXX  XXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: FIRST ADVANTAGE CORPORATION
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: Old information reappears or never goes away

Complaint:
Several items on my credit report with this company are for years prior to XX/XX/2011. I have written this company twice asking that these items be removed from my record to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1692g ( Validation of debt ) ... 15 USC 1692 ( Legal action by debt ) ... 15 USC 1692e ( False or misreading representations ) ... 1681s-2 ... Here are the accounts I would like to get Removed A.S.A.P ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... Since these companies are not the original creditors they can not validate the debt please delete A.S.A.P ... Thank you...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has erroneously reported a collection to multiple CRA 's for a debt that is not mine, furthermore ERC reported this collection without contacting me, notify me of my right under the FDCPA or verifying the debt. 

ERC has caused material damage to my credit standing, reports, and scores, directly impacting my ability to obtain credit by reporting a debt that is not mine without any validation. 

The reported account numbers do not match account numbers I have ever had with XXXX, notwithstanding the fact that the account I had several years ago with XXXX  was pre paid and had no possibility to incur charges beyond the pre paid balance of the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an alert from XXXX XXXX onXXXX-18 stating my score dropped 24 points due to one of my college loans from Navient. On XXXX, it showed a balance of $ 15,000+ but on XX/XX/XXXX, it showed a balance of more than {$17000.00}. I contact Navient by phone and the rep refused to talk to me and told me that XXXX XXXX reports are not accurate. I was told she could not talk to me about my account and that it was my responsibility to contact XXXX  the reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited 2 checks via online. One from my work place, aka XXXX XXXX for XXXX and another from my grandfather for XXXX. They placed a hold on my checks and said that it was fraudulent. Which it isnt. Clearly both checks are made out to me and they have my name on them. They refuse to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a copy of my credit reports and see that Credit Recovery Associates is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from Credit Recovery Associates. I asked for them to validate the following : 1. Who was the original creditor on this account and what was the account number.? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay them this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants Credit Recovery Associates the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did Credit Recovery Associates pay for this account, and how did you calculate the current amount owed?
I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX on my reporting credit has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Collection calls my cell phone everyday at least 4 times a day. Some have even called my job trying to reach me. I have asked them to stop but they just call from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio is not willing to resolve my mortgage issue by correcting the principle balance of my mortgage loan that was transferred by XXXX XXXX XX/XX/XXXX ( {$84000.00} ). I never agreed to a Sub Prime Mortgage of {$240000.00} with XXXX XXXX. I have lived in my home since XX/XX/XXXX in fact, it was a construction home. 

Select Portfolio stated recently that the Mortgage still belongs to XXXX XXXX and the Loan Modification needs to be approve by XXXX XXXX. This is a monopoly. 

As a consumer, I request the Federal of Investigation investigate both XXXX and Select Portfolio for Mortgage Fraud. The mortgage fraud monopoly issue with both XXXX and Select Portfolio Servicing. It is time the CFPB gets involve and sanction both these Mortgage business to the list of Lawsuit claims against them for Mortgage fraud. This scam has cost countless innocent home owners such as myself and other consumers stress and uncertainty. Congress pass a law that prevents Mortgage Companies and Servicers from Mortgage Fraud and get the HUD Department involve to insure these Mortgage Companies are honest and comply with Trust in Lending laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX18 1. Equifax - 2 separate times - notified me dispute investigation complete - may view results online - confirmation numbers XXXX and XXXX 2. Both times - attempt to view results is instructed - identity verification questions were all answered " NO '' - they said it doesn't match their files - said I had to use " secure Email '' -- >>>>>They are blocking me from viewing results -- >>>>>They have something in my file which they are shielding Original CFPB complaint = XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Last month, in XX/XX/XXXX, a Collection Account by XXXX XXXX XXXX was placed on my Equifax Credit Report. The Date of First Delinquency shows as XX/XX/XXXX, which is 6 years ago ; Why wait 6 years after the Date of First Delinquency to place this account on my Credit Report??!! The Original Creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX . I have no knowledge of doing business with this company AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which was 8 years ago. The Date of First Delinquency showing with this Collection Account must have been RE-AGED to the year XX/XX/XXXX, in order to place it on my Equifax Credit Report ; RE-AGING the Date of First Delinquency is a serious FCRA offense. The CORRECT Date of First Delinquency for the Original Creditor ( XXXX XXXX XXXX XXXX ) has to be over 7 years, therefore it is TOO OLD to be on my Credit Report ... Reference FCRA Section 623 ( a ) ( XXXX ) ( A ). This erroneous Collection Account is currently holding up processing of my Home Refinancing application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: IA
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:
Ive reached out several times and summitted complaints regarding the inaccuracy of this account, its coming back verify. Sending me a copy of a bill isn't validating anything. I've reached out to XXXX XXXX many of times and i was told they don't have assess to this account and it was sold so to a collection company, which XXXX is still report.But CFPB send me a email that their wasnt going to investigate. I spoken to some higher up and i received a email which I'm submitting for prove which he stated over the phone it was a mistake and he was submitting it to be removed and also a copy of my credit report which you can see the information is inaccuracy, XXXX XXXX removed the inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to th

e Federal Law and State Law. Therefore I request that all hard inquiries be removed.

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