BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: DC
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 sent a letter for verification on XX/XX/2021 for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the FCRA 1681. Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

I have yet to receive a response to my verification letters. It has been more than 45days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: WI
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:
Since XX/XX/2023 I have been disputing inaccurate information within my credit report but have not been getting a response from XXXX, XXXX. Even one of them ask for verification that its me when i sent my information of verification. Equifax, sent information but all they continue to tell me is that its verified without any information that i asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I received an email from XXXX stating that my account is currently closed. I received my direct deposit from my employer on XX/XX/2020. I have contacted Chime per their request and submitted the following documents ; driver 's license, social security card, passport, and 1095 for proof and verification of my identity. On XXXX, and XX/XX/2020 Chime continued to ask for the same information as stated above. I have contacted the following number provided by Chime XXXX XXXX XXXX XXXX XXXX. During my attempts to contact Chime via the provided number an automated response states that my account is currently closed and to email support @ chime for further assistance. I proceed to contact Chime again via email with my same concerns, received the same reply requesting my driver 's license and social security card. I have XXXX in this account and now in the middle of a pandemic, I will be unable to pay my rent on the first. I feel like I have been given the run-around. I am overwhelmed and stress because of this situation. I was informed that I will be unable to re-open my account, and told to wait 30 days in order to receive a check for the balance in my account! I have all documentation for this situation. I have even requested to have the balance placed in a different account an was told no!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: General Motors Financial Company, Inc.
State: MI
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 investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent them a debt validation letter in which they have not responded. They are continuously reporting this account in my credit files without proper debt validation. They have also not provided any original debt with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theres a collection account that isnt mine reporting to my credit report from Midland Funding , LLC, a company owned by Encore Capital Group. The open balance says : {$1000.00}. Original creditor listed : 01 XXXX  XXXX. 

I sent a validation letter to Midland Funding LLC. It was received by them on : XX/XX/XXXX ( view evidence ). As of XX/XX/XXXX my alleged debt to Midland Funding still has not been properly validated. This is my right granted under the Fair Debt Collection Practices ACT ( FDCPA ). They continue to report an unvalidated account on my credit report. Midland Funding LLC. has violated the FCRA by not providing a contract with my signature on it, in regards to this debt. 

I filed disputes with the credit bureaus. Midland Funding LLC reported they have investigated & validated the debt. Yet they have not been able to provide me with a true copy contract or other instrument bearing my signature to validate debt. Every attempt I have made to obtain the requested documents have failed. 

Theres no validation. This has to be deleted. All references to this account must be deleted & completely removed from my credit report. A copy of such deletion ( to all : XXXX, XXXX, & XXXX  ) requests shall be sent to me immediately. 

-- -- -- -- -- -- -- -- -- -- -- -- - In addition, Midland Funding LLC has had action & lawsuits taken against them for using deceptive tactics to collect bad debts : Midland Funding LLC had a judgement against them VS State of Texas for not acquiring consumer agreements and not providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement. This is against my federal rights to have incorrect unvalidated accounts reporting on my credit report. 

Midland Funding, LLC are facing a lawsuit out of Florida federal court that claims the companies used deceptive, misleading and unfair debt collection practices when trying to collect on a woman 's time-barred debt. 

Midland has a poor track record in regards to its collection tactics, which have resulted in fines from the United States Government and from individual states. Encore Capital Group , Inc. and Midland Funding , LLC, resolved a probe that alleged the companies collected money without verifying the money was actually owed. Reached settlement with 41 states The CFPB found that Encore attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies didnt have the intent to prove many of the debts ( XXXX XXXX. XXXX ). 

Their illegal actions have caused consumer 's credit files to be tainted with negative remarks, including myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a US bank XXXX card XX/XX/XXXX, and activated the card on around XX/XX/XXXX. I am supposed to receive XXXX bonus points after meeting the spending requirement in 3 months. When it was about XX/XX/XXXX, I called the bank and inquiry about my spending and how much time I have to meet the spending requirement, I was told that the time has already passed, but she will talk to a supervisor and let him/her get back to me in 2 days. However, no one called me. After a week, I called in and spoke to a supervisor. At first, she told me that the 3 months starts at the activation date, so I am supposed to have until XX/XX/XXXX to meet the requirement, but since the date still already passed, so she ca n't give me the bonus points, nor give me the extension on that. When I brought out about the misleading information about meeting spending by XX/XX/XXXX from the first agent, the supervisor went back and checked the voice record, and changed her story by saying that it should be XX/XX/XXXX, and stated that I will never have any possibility getting those bonus points! Then I asked to close my account, and I have confirmed with her at least three times that the annual fee charged on the account will be refunded. She confirmed three times that I will receive a refund on annual fee. But it was more than a month, and I did n't receive refund at all. When I left a message on US bank, I received the response that I ca n't get the annual fee back. I ca n't understand why a bank could give so conflicting words all the time, and they do n't hold any responsibility for what they have told their clients!

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 2022-10-24
Company: EQUIFAX, INC.
State: NV
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 Department Of Education has XXXX discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX. I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the XXXX false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
An ACH debit was made from my account in the amount of {$330.00}. I was charged an overdraft fee of {$36.00} and then another {$36.00} one the item was reversed. I visited the bank and was told the overdraft fee could be charged while the item was pending and the reversal fee could be charged when the transaction is denied. This is a total of {$72.00} for one transaction. It seems like double dipping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
XXXX  UNFAIRLY IS REPORTING INACCURATE CREDIT INFORMATION PLACING CREDITORS ABOVE CONSUMERS. XXXX  has a Financial Duty to VERIFY INFORMATION REPORTED IS ACCURATE. See attatched XXXX  Dispute Results # XXXX XXXX USAA SAVINGS BANK XXXX XXXX WAS NOT OPENED BY ME. I REQUESTED DRIVERS LICENSE AND SIGNATURE TO OPEN THIS ACCOUNT BE VERIFIED BY XXXX  THEY DENIED. ( Kindly Note REINVESTIGATION OPTIONS ARE TO CONTACT THE PROVIDER OF THE IN CORRECT REPORTING. THIS COULD NEVER BE A FAIR FIX FOR CONSUMERS. ) I demand XXXX  **** VERIFY THIS ACCOUNT WITH DRIVER 'S LICENSE AND SIGNATURE TO OPEN IN MY NAME XXXX OF XX/XX/XXXXOR DELETE IMMEADIATELY ***** Verify Address ID # ALSO PLEASE XXXX as my Address. Please Provide XXXX ACCESS TO DISPUTE DIRECTLY WITH XXXX  LINK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that XXXX XXXX requires them to respond within 30 days yet they have failed to respond. earlier to comply with these XXXX Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Navient Solutions, LLC.
State: FL
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:
I need to see documents show the loans I signed for vs what is appearing on my credit report. I didnt not borrow XXXX. I will have to seek a court order to get this records if navient won't comply. You are incorrectly reporting the initial amount i borrowed which has compounded into this massive overwhelming amount and it's unfair. I was coerced into forbearance. I wasn't explained thoroughly. I was in default and didnt realize it. Payment sent were not applied. This has turned Into a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had called on XX/XX/2020 and told them that it was a suspicious that someone withdrawn my account of {$510.00} on XXXX so I put a claim in and they suppose to send me some forms to filled out and send it back to them.. never received anything as of right now.. have been calling the past 3 days and always on hold for more than 3 hours to the claim department.. never reach a love person.. need to talk to someone ASAP..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXX Storecard and Synchrony Bank has been charging my account for returned items that were supposedly refunded. Both XXXX and Synchrony Bank websites show items were refunded but after reviewing the monthly statements, the refunded items are still showing up in the balance including interest totalling to at least {$1500.00} each month from XX/XX/2017 to present. Ive repeatedly brought this to their attention but was dismissed. Attached is the latest statements and invoices showing refunded items and balances

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 2020-10-19
Company: Insight One Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This letter was sent to XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$18000.00}. The letter stated, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

This letter was sent to XXXX Dispute Department on XXXX XX/XX/XXXX. This account has been satisfied with XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).  The letter stated, " The date last active for XXXX  is XXXX XX/XX/XXXX, and XXXX  also shows last reported XXXX XX/XX/XXXX. This is in conflict. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXXXXXX XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/2017 Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-05-28
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
First, their website is not-user friendly and has multiple barriers to making on-time payments, but most notably, their customer service is deceptive and inequitable. They encouraged me to set up an automatic payment after my due date and told me I would not be reported for a late payment if I had one scheduled. I asked twice for confirmation. I called again when they sent me another notice to confirm, I even offered to move my payment date. I even became too uncomfortable with the situation and so on my final call they assisted me in setting up to pay the loan in full on my next due date ( the due date they listed on the the notice ). YET they reported me as late. Their explanation was that my due date ( the one they chose ) was the first of the month and since they report to the credit bureau on the last of the month, they had to report me as late. YET I had called on the last of the month ( which they admitted they had documentation of ) to pay the loan in FULL! They did not communicate that they would be reporting me THAT DAY. I told them to schedule the full payment and they could have scheduled it for that day but instead they waited to withdraw it two days later. Even thought I had called that day and offered to pay the loan in full, and even scheduled to have the loan be paid in full, they reported me to the bureau. 
When I called to confront them they said that they had documented that I had declined to schedule a payment earlier in the month ( even though they also have it documented that I did schedule one on my own ) and that I had scheduled to pay it in full after the reporting date ( it was schedule for the due date THEY gave me which was the day after they had planned to report me ). I point blank asked if I would be reported and that my intentions were to pay off the loan, I was told NO. This is fraud, I have the phone call history of calling them three times before my due date. Ethical customer service would have said " hey, since youre going to pay it off in full, why don't you pay today to prevent a past due report? '' This is a horrible company that does not support borrowers, that does not provide ethical customer service and lies in their documentation. Now my credit score is tarnished due to their deceitful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2020-05-28
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: ALLY FINANCIAL INC.
State: OH
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:
I was shocked when I reviewed my credit report and found late payment. 

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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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