BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
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:
I have contacted XXXX  and Equifax on several occasions informing them there are several hard inquiries listed on my credit report dating back to 2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired. 

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from XXXX stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the XXXX dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not liable for this debt with JEFFERSON CAPITAL SY. I do not have a contract with JEFFERSON CAPITAL SY. JEFFERSON CAPITAL SY did not provide me with the original contract as I requested. I do not owe this debt and that made me to dispute it when I saw it on my credit report. JEFFERSON CAPITAL SY is supposed to provide me with the debt validation which they don't have. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), JEFFERSON CAPITAL SY is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.Under the FCRA, unverifiable accounts must be removed and if JEFFERSON CAPITAL SY are unable to provide me a copy of verifiable proof, JEFFERSON CAPITAL SY must remove the account mentioned within 10 days, otherwise according to 15 USC 1692 I will sue or file an FTC report against JEFFERSON CAPITAL SY which has damaged my reputation, caused me serious mental stress, and affected my character by 1 ) reporting unauthorized debt on my credit report 2 ) ignored my humble request to remove this unauthorized account under the fair credit reporting act ( FCRA ) as my legal right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Malcolm S. Gerald and Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been making steady payments ( sometimes twice a month ) to XXXX XXXX XXXX XXXX XXXX XXXX since my hospitalization at the end of XX/XX/XXXX. My original debt for services rendered from XXXX was {$1300.00}. Keep in mind that I also had additional debt incurred from this same hospital visit which I have paid off in full. I currently owe {$1000.00}. Also, please keep in mind that I just received an additional bill from XXXX as late as XX/XX/XXXX for {$180.00} ( 7 months after my hospitalization ). XXXX sent my account over to the collection agency of Malcolm S. Gerald and Associates , Inc . The phone calls started immediately on XX/XX/XXXX. They said I owed {$1000.00}. They said I only paid {$6.00} on XX/XX/XXXX. I informed that they were wrong and that I made a payment of {$100.00}. At that time, they looked into my payment history and only then corrected themselves and said that because I had 3 bills from XXXX, XXXX decided to put the majority of my payment towards the other two bills. They wanted me to make another payment immediately. I told them that I just made a {$100.00} payment and I would make another payment on XX/XX/XXXX when I get paid. 

On XX/XX/XXXX from Malcolm S. Gerald contacted me at my job and demanded I make a payment. I informed them again that I had just made a {$100.00} payment on XX/XX/XXXX and that I had already informed them on XX/XX/XXXX that the next payment would be at the end of the month ( XX/XX/XXXX ). I also told them that they were violating laws by contacting me at my job and they should stop calling me at my job immediately. 

On XX/XX/XXXX I received a call on my cell phone from XXXX XXXX from Malcolm S. Gerald demanding payment again. I told Ms. XXXX that I have spoken with them twice already this month and that my payment would be made at the end of the month ( XX/XX/XXXX ). She stated that it is the end of the month. I stated that XX/XX/XXXX is the end of the month and this was the third time speaking with her agency this month. This agency is harassing me even though I have been making steady payments to XXXX to reduce the amount of my debt. Someone needs to provide them with a calendar and teach them what day is considered the last day of the month and not to contact me at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Nelnet, Inc.
State: MA
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:
Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Agreed to a 12 month settlement agreement with American Express. The offer was to settle for {$1000.00}, spread out over 12 months, for payments of {$87.00} per month. The settlement was set up as automatic payments through my debit card. After my 10th payment, my debit card was scammed and I had to get a new debit card, with new card number from my bank. Immediately after receiving my new card, I called American Express and explained that I needed to change my card number on file, so that my last 2 payments could be charged without any issues, kickbacks or delays. I was told that the way it would be handled was the original settlement agreement would be closed, and a " new '' settlement agreement was set up with my new card number, for the last 2 payments. The final payment was made to my card in XX/XX/2021. It has been 2 months and there is still a balance of {$1200.00} showing up on my credit reports. I have tried to dispute this several times, and the dispute comes back as " verified as correct ''. I then tried to call American Express to ask what was going on and was told that I still have a balance because I did not make the payments on time per the settlement agreement. How did I not make the payments on time if they were automatically charged to my debit card by American Express? The response was that the last 2 payments were not made. I explained the situation with my debit card, and was still told that the year 's worth of payments that I made did not count towards my settlement agreement and therefore I still owe the remaining balance, and that's why it shows up on my credit report. When I click the email links to view the full terms of the settlement agreement, I get an error message that says " this page is not available '' so I can not even prove to them that they are violating my settlement agreement. I made all 12 payments, as agreed, and they are fraudulently breaching the settlement agreement and reporting an untrue balance. This needs to be updated immediately or I would like a refund of all payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: IN
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:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 unauthorized inquires on my report transunion refuses to remove and ima victim of identity theft. please see attached

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 2019-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Our closing was scheduled for XXXX on Monday XX/XX/2019 by XXXX of XXXX XXXX for a home equity loan with Citizens Bank. XXXX called and left a voicemail Monday afternoon at XXXX to reschedule the appointment for XXXX XXXX. He said, Id like to see if we can adjust it to XXXX. They have me in XXXX at XXXX and I am fearful of not being able to be back in time for XXXX. He ultimately arrived at XXXX. We proceeded to quickly sign the loan paperwork, and once complete, he gave me a copy. I implicitly understood it was our copy of the closing paperwork. On the morning of Thursday, the XXXX, I proceeded to open the folder, and was shocked to see the paperwork belonged to XXXX XXXX and his wife XXXX of XXXX NJ. I called XXXX, and told him the situation, to which he abruptly responded, I picked up the wrong paperwork off the printer. I asked him pointedly, who has my paperwork? He said in response, NO ONE! Around XXXX, I could no longer trust Citizens Bank or XXXX XXXX to resolve this situation before untold horrors could occur, so I called the XXXX customer whose information I had, to see if they had ours. Mr. XXXX initially concerned I was phishing, ultimately relented, and checked his copy only to find out that he did indeed have ours. Who is to say he ( MrXXXX XXXX ) didnt already share or sell my information? How do I know this wont happen again with the financial outfits who now have my information? I am exasperated! I need to protect myself, and my son. XXXX XXXX VP of Citizens Home in XXXX NJ is aware, and agreed to meet XX/XX/XXXX, but it's already too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment.

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 2018-01-21
Company: ERC
State: TX
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 sent a letter to ERC regarding account number XXXX requesting verification and validation of debt per FCRA. I was notified that this account was verified. I did n't received no documentation of original contracts with my signature. and no proof of a fair and thorough investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX never provided a resolution or goodwill. 
My credit report is still affected as well as my Insurance Score. 
This adverse action has reduced my insurance score which is impacting a higher insurance rate. 
The Bank claims the issue has been resolved but refuses to contact the credit agencys to update the information. 
This bank reported to the credit agencys twice in error. 
The first time the late payment was disputed the bank falsified a record stating that I was late and I had to write letters and exhaustively contact this bank without any help. If this bank refuses to provide a reasonable goodwill I will be filing a lawsuit for violating the fair credit reporting act as well as negligence and failure to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Zion Debt Holdings is attempting to collect on a fraudulent account that they purchased from XXXX alarm systems. This account was open unauthorized back in XXXX, XXXX removed it from my report but has now sold the collection as viable. 

This is fraud, I did not ask for it. I have asked that they provide the original agreement and are refusing to supply it because they know it's fraud. The outstanding amount owed is : {$3400.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: RESIDENTIAL MORTGAGE CORP
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 I contacted a loan officer XXXX XXXX at Residential Mortgage in XXXX, NC and I told her that my husband and I wanted to use his VA loan to purchase a home and this is our first time buying. She then asked me how much were we looking to spend in mortgage per month and I said no more than {$1100.00}. She emailed the application, we filled it out and sent it in. A few days later she informed us that we were pre-approved for {$160000.00}. We corresponded back and forth through email and telephone. On XX/XX/2018 our offer got accepted on a home. I had already been packing up our home getting ready for the move. The loan officer was aware that when our offer got accepted that I would put everything in my house in storage and move in with my mother until we closed on the new property. The loan officer did not tell us that she hadn't completed the steps for the VA Loan and that we had not yet to be approved for the VA Loan. Had we known we hadn't been approved yet we would have waited on moving out our home and putting things in storage. We were due to close on this property on XX/XX/2018.  The week before we were due to close she informed us that we did not get approved for the VA Loan because my husband did not serve enough time during his ERA. She went on to say that she could try us with a FHA Loan. Then told us that we would need to contact someone else because she could no longer be of assistance to us. So now I'm out of {$370.00} for an inspection on the property and {$230.00} for paying 2 months of storage. Had we been able to close on the house we wouldn't have paid anything for storage because we got the 1st month free. My husband was working/living out of town since XX/XX/2018 and the kids and I lived at my mothers where we shared a bedroom for 3 months and had to sleep on the floor because our loan officer waited until XX/XX/2018 to tell us that she couldn't help us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX of 2021 I closed 2 accounts with Wells Fargo bank upon anticipation of a strategic move to another state. 
The personal banker I worked with tried to tell me of a new account closing procedure that no-one understood and were having problems with. 
The amount was {$340.00} and some change in the account. 
I was assured a cashier 's check would be overnighted to a new address so I waited 3 days, ( this happened on a Friday so I had to wait until Monday to go back to the branch ) and received no check. They had no check number or tracking number for my money, they wanted me to pay a {$35.00} fee to cancel and resubmit the check. What check? They didn't have proof one was ever issued much less know where it was. 
The delay of their error made my plans delayed for 5 days costing me a job opportunity and multiple financial distress 's. 
I have been in constant contact with Wells Fargo only to get shuffled around with automated responses that have done nothing. I have done numerous 3 way callings only to be here talking to you. 5+ weeks.

My bills are in arrears and my phone has been turned off as a result. My only communication is by email and that does not allow me 2 step verification to access any of my personal accounts. 
This has and is still causing major financial distress with late fees and no payments accruing daily.

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 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I demanded Equifax for a deletion of all personal identifiable on my consumer credit report with the expection of this XXXX name, address, and phone number. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Place # XXXX, XXXX, GA, XXXX ( XXXX ) XXXX Due to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with non-monetary relief