BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-26
Company: Amsher Collection Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2019 XXXX XXXX reporting on my report. I don't consume a XXXX XXXX account, I have had XXXX XXXX through my company phone for 6 yrs now. it shows a balance of {$300.00}. This is my only Derogatory mark on credit report ever. This is reporting on all reporting agencies.Please remove, this isn't mine and is truly affecting my score. Thanks so much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX/XXXX  XXXX ; XXXXXXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: AES/PHEAA
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:
It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX  several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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:
On XX/XX/2021, I was informed by XXXX XXXXXXXX that Equifax is reporting a credit score of XXXX with multiple inquires and delinquencies which is false. Attached is my score as of today. Equifax supplied a report for XX/XX/2021 in which reflected fraudulent accounts and errors that I have disputed numerous times and supplied countless amounts of evidence for and it's still being furnished on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit that is not mines. I do not recognize this account nor the details being reported. This account appears to be frivolous due to a potential identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX bill from XXXX  wen to diversified consultant like we miss payments and report me on my credit report. 

Diversified consultant report me with XXXX XXXX about not paing my account. 

We try to contac you guys but you wore close because of federal shutdown. 

We pay to diversified consultant noing was a complete fraud only to be remove from credit report Today we pay another XXXX dlls to same company same issue in cellphone account charging 2 XXXX we never receive because I wanth to buy a house guys can not be posibel XXXX  is doing fraud to every buddy over charging we don't complain because is XXXX dlls only I pay an I need that collection remove from my report. 


The company is XXXX DOING COLLECTION WITH DIVERSIFIED CONSULTANT Doing a complete fraud Report XX/XX/2018 XXXX/XXXX XXXX . ALL READY PAY ONLY TO NOT BE REPORTED BUT WE DONT OU MONEY TO XXXX.ALREADY SEND COMPLAIN TO XXXX XXXX TO DIVERSIFY CALL 20 TIMES TO ATT NOT POSIBEL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: ZIONS BANCORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Zions Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-05-08
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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX20, AND XXXX20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2019-04-25
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 status incorrect

Complaint:
I have a few accounts in collections on 1 of my reports that I've been trying to dispute for about 6 months.. no luck with the disputes or the status.. I've never heard a word back from them ... 1 of my reports fixed the issue in less than 21 days.. 1 account was paid by insurance and was never late ever ... and the other account has a few issues.. wrong dates and payment history.. its affecting my scores and my life.. I need help fixing the problem.. thx

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: JPMORGAN CHASE & CO.
State: MA
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 don't late remarks on this account but in Payment status says I am 90 Days late which is not true. 
JPMCB HOME -- 90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Made all monthly payments for Corolla XXXX by direct transfer between XX/XX/XXXX and XX/XX/XXXX. 
Returned car to Toyota Dealer end of lease with XXXX miles UNDER allowance of XXXX for 3 years. Obtained new leased RAV 4 from same dealer on XXXX XXXX XXXX. 
I wrote at least 4 times and called many times requesting process for returning Corolla at end of lease. No one EVER replied. 
Eventually returned it to XXXX XXXX XXXX. 
No damage, stains etc. XXXX XXXX employee, Toyota 'End of Lease Manager ' signed off on the excellent condition and mileage. 
5 months later I get a bill from credit collection demanding {$830.00} - no reason or documentation given. Distributor/ Toyota Financial Services extremely poor customer service, you wait 20 minutes plus on Toyota Financial Services line regularly. 
No one wants to help - just pass you off to credit collection when I was NEVER informed of any outstanding payment? 
Buy/Lease a XXXX or XXXX. Maybe they want your business more than Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Social Finance, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I recently received a personal loan from Sofi in the amount of $ XXXX. I responded to marketing and in 48 hours the money was in my bank account. The problem, I am a XXXX XXXX and felt there were no controls in place ; e.g., co-signer from a spouse, etc. that protected me. 

When I emailed the CEO on XX/XX/XXXX of my predicament I received the following response. 

Hello XXXX, Thank you for reaching out to our CEO. I was forwarded your email so I could reach out to you. 

I cant imagine what you must be dealing with right now. I would like to take the time to speak with you in more detail about the situation you are facing. Is there a good time in which we could schedule to speak? If its more convenient, you can reach out to us at XXXX and ask to speak with me directly or anyone in the office of the CEO. 

I look forward to your response. 

Best regards, XXXX XXXX. 
Social Finance Inc. 
XXXX ****END OF MSG**** Subsequently, I called Sofi and spoke to someone else in the front office who was rude and aggressive in stating, you signed these documents you must pay. XXXX XXXX on the other hand did return my call and was apologetic that there was nothing he could do although I do value ( and trust ) his follow-through. It is the management policies of Sofi that are dishonest and why I want to pay off the loan I have with them with another vendor at a significantly lower rate.

At this point I am trying to pay off my loan with another vendor and that vendor tells me Sofi does not want to participate. It is my perspective that Sofi is a predatory and against the standards of the Consumer Protections Financial Board. 

CFPB should validate their controls and how they work with individuals with difficult circumstances which would validate the ethics and authenticity of this company. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
I missed some tax payments and let insurance lapse which accumulated to over XXXX dollars for which we and Ocwen Loan Servicing were to work out a repayment agreement in or around XXXX of 2018. I completed a budget worksheet to determine how much monies i could repay them monthly, i did receive a letter stating that the repayment plan was approved and that i need to send back the contract signed and the first installment however as i have been calling Ocwen every month in the first week only to be put over to someones voicemail and to never get a return call, I keep telling them that i never actually recieved an actual contract to sign and return back and no one is calling me back or has attempted to send me another contract so i have been sending them XXXX per month but my checks never get cashed or even returned. so I pay my housing insurance and my taxes and i keep sending those checks hoping this isnt going to happen but i think it is because no one will get back to me or give us a chance to complete a repayment plan. I have even sent them notices stating this via tracked mail. i have tracking numbers that they have been recieved

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 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 credit reporting agencies, XXXX in particular has failed on many attempts to fix, correct, and/ or delete my problem whereas incorrect data is still reporting on my file. Data that for one is not mines. Secondly and first at hand, not one credit reporting agency provided me with any certified physical documentation that supports their claims, as opposed to electronic Verification inwhich is part of the initial fraud. I'm demanding that the credit reporting agencies provide me with the Method of Verification used in this investigation. I do not have any contract with the following accounts inwhich I'm disputing and would like blocked from my file. Account # 1 [ XXXX XXXX XXXX {$1000.00} ], Account # 2 [ XXXX {$920.00} ], and Account # 3 [ XXXX XXXXXXXX XXXX ] an account illegally reinserted and reported by Transunion and XXXX both. This account has been disputed and removed in XXXX of XXXX, but reinserted in XXXX of XXXX, without a 5 day notice from the credit reporting agencies Transunion and XXXX as stated within the laws of the FCRA and supported by the FTC. Before I have to file suit against Transunion and XXXX I'm demanding that these two credit reporting agencies block this accounts immediately and permanently.

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 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Capital One Credit Card : XX/XX/2017 XXXX XXXX : {$44.00} XXXX XXXX : {$37.00} XXXX XXXX : {$170.00} XXXX XXXX : {$100.00} XXXX : {$1.00} XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost my Capital One credit card then I report a list of fraudulent charges then they sent new credit card then place back all the charges back to my account. I called in the fraud department for help but the issues were not resolved then they closed the case. I was requesting to speak to the manager of the fraud investigator but they told me to write a letter. They did n't resolve the issues and closed the case and they want me to pay everything. The employees in the fraud department are very rude and lacking of customer service skill. They hung up the phone on me and refused to let me speak to the manager of the fraud investigator for my case. This is not fair because I did n't make those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
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 paid the debt off in full to XXXX and I have not received an update to the three credit reporting bureaus that this has been paid in full. When I requested it from the company, I was told it would be reflected and resolved by now in my XXXX XXXX, XXXX, and XXXX credit reporting. It has not been fully resolved, though they have my account reflecting paid in full on their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Account status incorrect

Complaint:
I have attempted several times ( including today ) to file a dispute with Equifax about a XXXX account in collections that doesn't belong to me. I have disputed it with XXXX  and XXXX, who have both taken it off their reports. However, Equifax will not allow me to dispute without signing into my account, but it won't allow me to sign in to the account. Instead, I get the message " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX XXXX XXXX XXXX ( ET ), Monday to Friday. '' I've tried calling and have never been able to connect with someone due to long hold times and it's during work hours, so I am unable to keep staying on hold all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX added a 30 day late negative to my credit report. However, on XX/XX/XXXX I did an overpayment to XXXX of {$140.00} as I frequently added extra money to the account because i shopped there frequently. XXXX refuses to acknowledge where the money went. It shows it was paid and my bank does almost all payments electronically and the account number hasnt changed. However, this payment cant be found by XXXX. While I want the {$140.00} back, I am even more irate about the 30 day late they put on my account. The representative told me that " this is accurate and can not be changed '' even tho I told her I paid and can provide them my bank statement. 

On the attachment of my bank statement, if you look at XX/XX/XXXX you will see the XXXX   payment. I used the same payment method for the last 5 years to pay it. 

They refuse to acknowledge a technical issue on their end and refuse to assist me. I tried to call twice and both times the representative told me I had no recourse even though this is an obvious error. I asked them why, after 5 years of higher balances always paid off on time, would i short XXXX for a payment at a random time. It makes no sense and XXXX doesn't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report. I noticed unauthorized inquires on my report from several creditors. I contacted the creditors and was told to contact the credit bureaus to dispute and remove inquiries. The credit bureaus then told me the creditor can only remove it with a written statement. I then contacted the creditors and was told they do not send written statements to the credit bureaus to remove the inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, 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:
Im trying to unfreeze my credit since Im trying to buy an apartment and the bank requires that they see the Equifax credit score. Im frustrated because I sent Equifax the necessary documents 10 days ago and they said that they can process those documents in 5 business days, its been 7 and nobody can tell me if theyve arrived. Fax or mail are not reliable modes of communication, I must be able to have my credit available whenever I want and resolve any issues whenever i want when I am who I say I am. I understand security concerns but this is unacceptable.

Company response to consumer: Closed with explanation