BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
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: Public record information inaccurate

Complaint:
Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX Trustee for XXXX XXXX ( was XXXX  XXXX XXXX then XXXX ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from Equifax saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent permanent XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been XXXX years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On various dates, XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX, and still I keep getting various calls from Navient ( based on my caller id ). They leave no response as to who they are when leaving a voicemail. I have stopped answering their phone calls because of them calling me no less than 5 times a day, or more. I've tried to get my payments lowered numerous times. They keep telling me that there is nothing they can do to lower my payment because of it being a private loan. If I CAN'T make a payment, what am i supposed to do? I don't feel comfortable talking to them, because the last few times I have tried to reach out to them they were short and snide with their remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I CHECKED MY CREDIT REPORT AT THE END OF XX/XX/XXXX AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX  XXXX(XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM XXXX  AND XXXX. EQUIFAX REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX XXXX XXXX
$XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
$XXXX
OPENEDXX/XX/XXXX

XXXX XXXX
$XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXX/XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXX  XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
II am a XXXX XXXX veteran ( XXXX and XXXX and XXXX ) I XXXX XXXX XXXX in war, my family and I going through rough times and XXXX hit us too and made things more hard for me and my family to live normal lives, we also have an XXXX son that my wife needs to be with 24/7 she can not work, I was also diagnosed with XXXX and on XXXX and Can not work, we been requesting a forbearance from our mortgage company serviced by Carrington for the last 2 months, we were on a forbearance and it was 3 months only and we asked to extend until we find a solution to find funds to help us pay this unpaid late mortgage to bring us back to normal payment, this servicer is keep denying the forbearance extension and refer out mortgage to XXXX  which is XXXX XXXX XXXX XXXX and there address is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. they not only trying to foreclose on me but they hyped the up the mortgage balance XXXX what I owe to XXXX this is an outraged number and a big scam by this XXXX XXXX XXXX, please Carrington is making a mistake after a mistake trying to foreclose on me I been submitting the forbearance request over and over on line via the portal like I was instructed and keep denying it and not sending me any proof of why they keep denying the forbearance. Please I need my home, we have no where to live. my family and I have no money or other means or resources to financially support us. please help us please. thank you and god bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: DISCOVER BANK
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 see late remark on payment history and payment status is current I do not know why this account is closed. Please help. 
DISCOVERBANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in 2011 ... When trying to resolve this I called XXXX XXXX XXXX with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XX/XX/XXXX of last year with NO response from them. Then I went to their office location only to be escorted out stating I could not be there and they would call the police for transpassing this is a public property it is an office building how is it even legal to make these statements. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this case # XXXX  I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptsy and a proof of this originally citi bank account and XXXX XXXX XXXX furnisher of this judgement included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this

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 2018-03-05
Company: SECURITY FINANCE CORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my loan with Security Finance but they still reported my loan payment late three days ago- I do not owe them any money! I have disputed with the credit bureaus already. This ONE late payment has now prevented me from getting my home loan. The company also repeatedly called me at work after I told them not to do so. This action violates federal law in credit reporting and I am contacting an attorney if this is not resolved!

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 2021-11-03
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Central Recovery bought a medical debt that was already taken off my credit and reput it back on my credit reports without sending me any written notices before placing it back on my credit report, breaking the FCRA protocol. They also can not provide validation of this debt and refuse to remove it from my credit report, i was also told by one of their reps they have other debts that they haven't put on there, but will as well. I have no documentation of those either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The first notice I received was supposed to tell me I have 30 days to dispute the debt. This statement is missing from the letter. See attached letter front and back. 

The letter references a previous letter but this was the only one I  received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$59.00} for a XXXX  from Delta and I disputed the charge. While it was being disputed, I paid the charge to avoid having a balance on my card. I also tried to work with the company and they agreed to issue me a credit of {$59.00}. So now I have paid the {$59.00} charge and Delta issued me a {$59.00} credit and have a credit balance of {$59.00}. For two months I got a statement of a credit balance on my account. 

When AMEX closed my dispute, the removed the {$59.00} credit balance and took it, leaving me with a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank made the decision to close the XXXX XXXX XXXX accounts. Obviously with the bankruptcy of XXXX XXXX XXXX, that in itself is not synchronys issue. 
However, arbitrarily closing the accounts with no recourse for consumers ( shift to another open line of credit ), the closing of the account DOES IN FACT affect the consumers debt to income ratio and ultimately credit score. For an act that had no fault of the consumer. The individual card holder now pays for it with higher interest rates, denial of credit etc.. UNACCEPTABLE

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 2019-03-11
Company: WELLS FARGO & COMPANY
State: MO
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 have 36 hard inquiries with companies I have never even heard of. I believe that a car dealer may have ran my credit through companies after I explained I already had financing in place and would not need them to run. The date was from XX/XX/XXXX - XX/XX/XXXX Wfds XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX  ( This one was put through twice on XX/XX/XXXX and XX/XX/XXXX ) XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2019-03-11
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've asked for my collections to be verified and have not received anything is over 30 days. You report to my XXXX and XXXX a balance of XXXX, that I am unaware of. I have been disputing this account since it appeared on my credit report. Over a year now, when I reached out to the company they advised they would take the new address that I provided and update their system. However I believe if they were not able to verify with the address that they have, then it should have been deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX  XXXX 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 2018-03-05
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, I paid off the principal on my XXXX card. It was late payment because they wouldn't allow me to pay with a debit card. Now they are charging me interest on the interest payment, which I refuse to pay. They have now sent me to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
What happened was I called PayPal about a charge I saw for {$440.00} from XXXX. I immediately called PayPal and told them I never authorized any charge from XXXX. They told me I had to take it up with the merchant. I told PayPal I never authorized any charges from the merchant so why would I take it up with them? Anyway PayPal is now basically telling me I owe them {$440.00} and have denied my attempts to have this unauthorized charge reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: NV
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:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name 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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Billing dispute for services

Complaint:
I ordered one credit report on TransUnion website on XX/XX/2020, at the price of XXXX. 

I didnt know I was subscribed to their service and was charged {$27.00} monthly for 11 months. During this eleven months, Ive never received any receipt or invoice for their monthly charge. It is very unfair for TransUnion to charge me monthly without notifying me, while it looked it was a one-time charge when I purchase the 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 monetary relief
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : XXXX  has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  Experian has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX - Opened XX/XX/XXXX Balance : XXXX ( XXXX, XXXX, Experian ) XXXX/ XXXX  XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( XXXX  and XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX  XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )

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 2017-08-03
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.

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 2020-12-02
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There accounts reporting in my credit report From : XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
They are all ready paid and is affecting my Credit Records.

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 2017-12-14
Company: WELLS FARGO & COMPANY
State: IN
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:
WELLS FARGO DEALER SERVICES PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY XXXX DATED XX/XX/2016

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