BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Performant Financial Corporation
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, XXXX, I received a Notice of Wage Withholding from a private company called Performant. During a phone conversation near the date of this notice, I asked Performant to send me documentation regarding the federal student loan for which it was demanding payment. Prior to receiving this notice from Performant, I had not received any notice from any lender regarding default. I had taken a loan in XXXX to attend XXXX University in XXXX XXXX. I had made regular payments on that loan to a private lender, XXXX. In XXXX, I asked for and received a forbearance during the period of my graduate study. When I graduated in XXXX, I checked my account with XXXX 's servicer and received notice that no balance was due. 

Accordingly, when I received notice from Performant of the Garnishment action I asked for documentation. As of this writing, there has still been no documentation provided. I further tried to reach an agreement with Performant as I told them directly that I wanted to pay the loan -- the balance of which was approximately {$2400.00}. Performant instead demanded immediate and full payment of an obligation it purported to be {$2600.00} - adding various fees. Performant never gave me a reason for rejecting my good faith of an offer of a payment plan of {$400.00} every month for six consecutive months. 

On XXXX XXXX, XXXX, I contacted legal assistance. My attorney wrote Performant on XXXX XXXX, XXXX, and demanded Performant provide copies of its loan materials and to discuss a good faith repayment plan outlined above. Performant never returned any communication. 

On XXXX XXXX, XXXX, Performant issued a XXXX XXXX to my employer. Performant further asserted to my employer that it had notified me multiple times regarding the Garnishment, and contrary to all fact, told my employer that it has been compliant in showing me the basis of its asserted obligation. 

As of this time, my employer is withholding my pay based on Performant 's non-compliant if not fraudulent representations.

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 2023-02-24
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Performant 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:
The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been XXXX by the federal Government XXXX XXXX ) 2 years ago. due to my permanent XXXX they have XXXX my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was XXXX XXXX XXXX. I explained to them that the loans were XXXX and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a report from XXXX system where chase reported my account as account abuse. This is inaccurate. My information was stolen and I decided to not use chase anymore. I would like to have this remove from my report. What are the steps needed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
XXXX - ( Online disputes ) To EXPERIAN, I demanded validation of unauthorized inquiries, duplicate, inaccurate State tax liens, and an inaccurate and obsolete bankruptcy being reported on my credit report. 

XX/XX/XXXX - In EXPERIAN Report # XXXX, EXPERIAN reported that EXPERIAN 's investigation was complete. Two inquiries were " Deleted ''. The duplicate, inaccurate State tax liens and the inaccurate and obsolete bankruptcy were not invesitgated, verified, nor deleted XX/XX/XXXX - In EXPERIAN Report # XXXX, EXPERIAN that the duplicate, inaccurate tax liens were " Deleted '' BUT that the inaccurate and obsolete bankruptcy " Remains '' because the furnisher verified the information as accurate. 

XX/XX/XXXX - ( Document # 01 ) Via EXPERIAN 's online document upload portal, I disputed the inaccurate, obsolete bankruptcy EXPERIAN was still reporting. 

XX/XX/XXXX ( Document # 02 ) Following telephone calls to EXPERIAN, via EXPERIAN 's online document upload portal, I disputed the inaccurate, obsolete bankruptcy EXPERIAN was still reporting again. 

XX/XX/XXXX- In EXPERIAN Report # XXXX, EXPERIAN asserted that " Each national consumer reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each comany has their own policies and guidelines for disputing information. '' Again,  EXPERIAN neither vaidated nor deleted the inaccurate, obsolete bankruptcy that EXPERIAN claims the furnisher did provide verifiable documentation.

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 2021-11-08
Company: Flagstar Bank, N.A.
State: AZ
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:
The home located at XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXXXXXX XXXX  ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to Flagstar bank after the sale of the home and Flagstar bank has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with flagstar bank and they sent me the attached letter saying that they can not update my credit report. I have contacted XXXX and they say that flagstar bank has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). XXXX removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.

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 2021-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX of XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Halsted Financial Services, LLC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Halsted Financial Services, a debt collection agency based in XXXX, Illinois has repeatedly calling me regarding a debt I apparently owe. However they would not provide me information about the account since I would not provide them with my full Social Security number. They have called me twice on Saturday XXXX XXXX, XXXX using two different phone numbers, XXXX ( XXXX is the time of call XXXX and XXXX ( XXXX is the time of call ). 
The debt collector I have spoken with is named XXXX. He has said my name and the last XXXX digits of my Social Security number but I did not provide him that information because I do not know who he was or that of his company. XXXX also refuse to provide me with the account after I told him that I was sending his company a cease and desist letter in the mail. 
I want to seriously file a complaint with this collection agency because I have done it before with them early this year due to the excessive phone calls and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please

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 2022-03-30
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: Was not notified of investigation status or results

Complaint:
Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: College Assist
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:
The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been discharged by the federal Government ( XXXX ) 2 years ago. due to my permanent XXXX they have discharged my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was College Assist Corporation. I explained to them that the loans were discharged and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!

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 2021-11-08
Company: National Advisory Group, Inc
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They called me claiming to they would sign me up as for a student loan forgiveness plan. They had my loan information and I mistakenly assumed they were working with the company I took my loans out with. They signed me up for a plan that starts XX/XX/XXXX where I will pay {$190.00} for 6 months and then {$39.00} a month until my loans are paid off completely. They also said by signing up I would not have to pay any interest on my loans. Today ( XX/XX/XXXX ) I tried calling the woman XXXX XXXX directly and it went voicemail after a few rings. Then it went straight to an automated message. I called the company itself and someone answered me, I asked if they were the National Advisory and she hung up on me. I tried calling again and it didn't even allow me to speak to a real person. I looked up the company online and apparently they have been scamming people. They did the same thing to other people, hanging up on them right away and refusing to respond to their messages. I emailed to say I want to cancel my loan repayment plan with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: ACIMA CREDIT, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 I purchased the following furniture ( a dining room set, a bedroom set, and a coffee table ) at a furniture store in XXXX. I was told that I was qualified to purchase the furniture items on credit and that I didn't have to pay the full amount for 6 months. I was also told that the documents pertaining to that purchase would be sent to me either in the mail or via email. Few weeks later I did not receive any documents so I called the person that I purchase the furniture from. He told me not to worry about it, that I would get it soon and that I had 6 months to pay. As time passed by I got busy with life, as Massachusetts was a new XXXX for me and working a new job. In XX/XX/2018 I called the person from the furniture store where I bought the furniture and that's when he mentioned that it was a third party that lent me money to buy the furniture and that I would have to get in touch with them to find out the statements in regard to the purchase. He then told me the company is called XXXX and then gave me their phone number. This whole time XXXX was taking $ XXXX on my account every XXXX weeks and by then they had already taken a total amount of {$4600.00}. The original price for the furniture was {$3200.00}. They also then told me that there was a remainder of {$2500.00} that I would have to pay to finish paying on the account. I spoke with XXXX representatives at XXXX about the matter and they both told me that I have to pay at least {$1200.00} to close the account. Due to financial hardship I don't have that amount of money to pay XXXX considering that they've already taken an excess of {$1300.00} on top of the original price of the furniture. Since then XXXX has sent my account to collection and that has dropped my XXXX XXXX tremendously. I tried to resolve the issue with them and even offer to pay {$700.00} to pay off the account and have the matter rectify on my credit report but XXXX refuses to work with me. At this point I would like XXXX to stop their deceptive practices towards the consumers and place my account in good standing with the credit bureau as it should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I have been in contact with Truist for the last two weeks trying to access my online banking in order to make changes to my mortgage payment and access needed documents to file my tax return. I have spent over 16 hours on the phone with Truist and they are unable to grant me access to online banking and can not make the changes to my mortgage payment, which benefits them. I would like to increase my principle payment.

I have asked to speak managers each time and have been disconnected when I ask to do this. 

I am beyond frustrated and I think it is criminal they are denying me the ability to increase my principal payment on my loan. 

Cheers, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received in the mail an unsolicited Square debit card with my name on it. I have never had an account with Square nor did I request a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been having problems with this account for almost a year ... They are missing my payments in their computer system and abusing with interest fees. 

I requested a wire transfer to clean out the amount due XXXX or XXXX weeks ago. 

I have been working with my bank XXXX XXXXXXXX XXXX in obtaining my bank statements,. 
Which I have NOT received. 

Which would contain all transactions for the past XXXX months. 

I requested a transfer of XXXX to this account which is also missing. 

CAN SOMEONE HELP!

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 2017-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
I have spent over a year trying to get all three credit reporting agencies to correct incorrect negative reporting of XXXX XXXX XXXX XXXX. They are reporting XXXX XXXX, as delinquent. I had requested an extension for that month, due to an extreme medical emergency. I have talked by phone to several different agents who were extremely rude and were not sympathetic to my concern of my wife 's mental breakdown and the financial burden caused by it. I have been told by one agent several months ago that she had deleted and it would reported to all three credit reporting agencies, however it was not. Others said I would need to talk to another department, only to be disconnected. I explained that I had, had two auto loans with them and only had only one late payment reported and it was not correct. I have asked for a goodwill deletion by phone and letter as this was hurting my XXXX XXXX. They have no sympathy for a loyal customer. I am XXXX and my wife is XXXX, and I need a better XXXX XXXX to admit my wife, who has XXXX XXXX XXXX, to a assisted living facility. I need help if at all possible. It is on all three XXXX XXXX, XXXX XXXX XXXX. The account number is XXXX. Comments on the internet are that Capital One is the worse companies to deal with to make corrections or help their customers. Please help me if possible.

Company response to consumer: Closed with explanation