BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Receivables Performance Management, LLC
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: Account status incorrect

Complaint:
In XXXX of 2021 I got a bill from XXXX for {$340.00}. I contacted them and they said since I never activated service the next cycle will zero out the bill. In XXXX of 2021 I got a final bill from XXXX and called again. I was told it will be resolved and I did not owe {$340.00} since I never activated service. I now have Receivables Performance ( debt collectors ) calling me and the {$340.00} is now on my credit report. Today XXXX I once again talked to XXXX and they said since account is closed they will send to business department to resolve. XXXX I spoke with debt collector and they said they do not contact XXXX and they will still collect the debt. I have a debt I don't owe showing on my credit report and a collection agency contacting me.

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 2022-01-18
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: NJ
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 sent a letter to XXXX XXXX XXXX after reviewing my credit report and seeing an inquiry done by the company. I asked that the inquiry be removed from my credit file because I did not authorize it. XXXX XXXX XXXX responded to me by stating that can not investigate my claim until they receive appropriate of my identity. XXXX XXXX XXXX is asking me to send them a copy of my driver 's license, social security number and date of birth. I do not feel comfortable sending them my personal information as I have no dealings with this company.

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 2022-01-18
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the past 5 plus years creditors have been trying to collect a debt owed by someone else from XXXX XXXX XXXX. I contacted EACH debt collector with a written dispute requesting the date/amount/services rendered/doctors name and all details including a copy of an agreement signed by me. Each time the debt collector is unable to provide the information as required by law. Then EACH debt collector transferred this matter to another debt collector neglecting to inform the new agency of the dispute history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
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: Their investigation did not fix an error on your report

Complaint:
I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number onXX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX Investors. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXX Thanks for your attention to this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: VA
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:
Medical provider failed to bill insurance company and has shared my medical records with bill collector in violation of the hipaa. The balance due is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: LD Holdings Group, LLC
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: Their investigation did not fix an error on your report

Complaint:
I sent XXXX a dispute letter around XX/XX/2021 for the negative marks on my account for the amount of {$280000.00} from Loan depot. They haven't corrected the issue or contacted me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: AMERICAN EXPRESS COMPANY
State: MD
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 had opened a dispute with the company because of an item I received defective, I opened a dispute with American Express. I provided to them all the detail on the damaged goods and the tracking number to return the item back to the seller and they still couldn't resolve the dispute in my favor. For some XXXX reason, I have no ideas why my case would be denied. 

Inquiry number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened this account on XX/XX/2016 i never had access to my funds since i opened the account they keep on giving me the run around saying that they mailed the money and don't the account number is XXXX. I am tried of these games this bank is playing. They mailed me a letter saying if i had any questions to call this number and no one ever answers the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received this type of letter at least two other times. It lists XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, Capital One and XXXX XXXX. 

It does not list the name of the SENDER or where this is from. 

It tells me what may happen if I " Fail to Respond ''. 

It only lists a Notice Number, Notice Date and Contact Phone Number. 
Then it lists a debt amount and a Settlement Amount with Proposed Payment Program Amount for 12-36 months. 

I do have a Capital One card but none of the others. I also am in good standing with my Capital One card. ALSO, I do not have near the amount of debt they are claiming. I don't even have near the amount they are asking to " settle for ''. 

There is no company name. I do not owe them. They should not have my information to begin with so I do not want them to " look me up '' by any of MY INFORMATION or contact me regarding this information. It is not mine. It is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After graduating I looked for options on how to consolidate my Student loans. I was able to do this with all outstanding loans except Navient. I was told it could not be consolidated with Government loans. My record during the entire process was always to pay the interest only during school after graduation I along with my mom we tried to position all of my loans into a affordable position. When we originally borrowed this money we told that after 2 years of favorable repayment that the co signer could be removed only for this to be a lie. 
Last year 2016 my mother sent in a cfpb complaint only to be told it had to come from the borrower. But now it is ok to harass her now without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient 's allocation of principal and interest. Having three constants ( interest rate, monthly payment, and time interval ) the loan amount is increasing instead of decreasing over time. I have reviewed the spread sheet from the beginning of loan and it seems like the principal outstanding amount is increasing. I believe I am a victim of fraud committed by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both Experian and XXXX XXXX. Experian responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to Experian ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file. XXXX XXXX did not reply at all to my request,.

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 2022-01-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: TX
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:
hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021 I mailed dispute letters to XXXX, Equifax, and XXXX  regarding the correction of several inaccuracies on the following accounts : XXXX XXXX - xxxx ... XXXX XXXX XXXX  - xxxx ... XXXX XXXX XXXX XXXX  XXXX XXXX - xxx ... xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX - xxx ... XXXX In accordance to 15 U.S. Code 1692g , XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX xxx XXXX  XXXX  - xxx ... xxx XXXX/XXXX  - xxx ... xxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX  ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX I called Equifax to alert them that my credit file, which has nearly 30 years of history was now showing up as blank, my current address erased and a very old relative 's address was showing up, which I had disputed on XXXX as being inaccurate. At first they insisted that I had no credit history. A supervisor was able to find my previous dispute along with a copy of my drivers license and utility bill to prove my current address. Now almost a week later, the address is correct but my entire credit history is still missing. Additionally, because I was unaware of this issue, I applied for credit on XXXX and was denied because of " insufficient credit history '' This is a clear violation of the FCRA and equifax has take no steps to resolve this issue. I have been financially harmed by their lack of oversight and their employee 's lack of knowledge of their own operating systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: NY
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 have been a victim of identity theft

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 2019-09-23
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:
After looking through my credit Ive found someone has gotten a hold of my credit information and have attempted to use my name and credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving letters I called and the manager was rude They have my social security but I do not owe XXXX anything, no debt I received the same letter in 2016 for a capital one and when I asked what was the year, they gave me a year when I was XXXX They hunged up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to Bank of America branch on XX/XX/XXXX advising them I was closing the account. I left half an hour later with it done. I received a call today, XX/XX/XXXX that one of the checks Ive authorized bounced and they are redepositing it. I log onto BofA online and shocked to see - {$1800.00} ... 
Not only did BofA not close my account they keep accepting payments, then returning them, the accepting the same payments over and over again. This is unacceptable. BofA is racking up insufficient funds charges galore. 
I closed the account so how is it still accumulating all these charges?

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 2021-09-14
Company: Reliable Credit Association, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On a weekend not during business hours Reliable Credit made multiple attempts to contact me regarding collecting a debt. I informed them several times that I would be making a payment when the money was available. I am a fully permanently XXXX vulnerable elder adult. I receive very limited XXXX funds. I am already in direct contact with Social Security XXXX  regarding a possible error on their interpretation of reported income in XXXX and XX/XX/2020 in the XXXX XXXX  XXXX  XXXX isolation after I was laid off from the U.S. Census Bureau 2020 contract and PT work. At this time there is a pending investigation and at the time of Reliable Credits repeated attempts to collect a debt more than twice on a day, Weekend. I texted them to CEASE AND DESIST AT LEAST twice when they were attempting to collect a debt. They ignored my requests and continued to repeatably attempt to collect the debt. And told me they could not stop contacting me via phone, when I submitted texted stating my situation multiple times. And that I was required to speak to them directly on the phone for further resolution. My phone service is limited. and as said before I was not only in financial hardship when Reliable credit attempted these harrassing calls. I have made a minimum payment at this time. And because of a refund I received from the U.S. Department of Education related to my filing permanent and full disability and forgiveness of my student loans I will be paying more than 90 percent of the total payoff of this loan. In the meantime, they continue to charge me late charges, and or unwarranted penalizing fees due to my inability to make the payment less than 3 days ago. They claim I am in default and are unwilling to discuss any further details on this matter. The payment I made should post to the account within 24 hours. And the 80 to 90 percent more of the total payoff of this loan will post by end of next week.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I went to the University XXXX XXXX XXXX. Never finished the program, I went for less than a year. My financial aid through Navient is {$34000.00} and still going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have received several past due notices from Citibank Sears Card Services about 2 charges from XXXX. The charges were unauthorized and the account had been paid off and closed in XX/XX/XXXX of 2016. I have called them twice and filed a fraud notice with them but whenever I call I am talking to someone from another country. I just received another email from them and it is getting very frustrating.

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