BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: AZ
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 contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
i was charged a monthly fee of XXXX dollars but i have a XXXX in my account. which then lead to a over my balance incurring a NEGATIVE XXXX cents on my checking account but i was charged XXXX dollars fee to cover the XXXX cents. i think this is excessive. i call them and asked for a refund but i was told it is valid. i think this is excessive. they were saved by the Obama administration and should have been bankrupt but this bank practices is beyond consumer satisfaction.

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 2019-05-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The collector called my place of employment and spoke to someone there that had the same name as myself. They disclosed they were calling in regards to a debt and where they were calling from. This is strictly prohibited by the fdcpa. My coworker told them I can not receive calls and work and to not call again.

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 2017-11-20
Company: F.H. Cann & Associates, Inc.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX XXXX of F.H. Cann on XX/XX/XXXX. I was advised that they are the current debtor that owned my student loan debt, which was defaulted on. She then advised me of a loan rehabilitation program, in which I would make payments for 9 months ( which had to be automatically paid from my checking account ), and after that time, my student loans would come out of default and I would be able to set up additional payments to keep them paid and in good standing every month. 
I advised that due to my employment status, I was not able to make any substantial monthly payments. After going through several questions about my life, she determined that I could make small monthly " hardship '' payments via their student loan rehabilitation program. 
I consented and she took my checking account information and emailed me some documents to e-sign sign, which I emailed back that same evening ( XX/XX/XXXX ). 
Starting on XX/XX/XXXX my checking account was charged this monthly payment. I was charged every single month on the XXXX day of every month. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - all were electronically, automatically charged by " XXXX XXXX '' ), after which time my student loans should have come out of default. Since that time, I have made numerous attempts to contact this company and have all but failed. I was able to speak to someone on the phone in XX/XX/XXXX who advised me that I had one payment left in XX/XX/XXXX ( which was successfully made ), and after that payment I would receive something from them in the mail stating my loans were out of default. I received nothing. I have since tried making contact with them, only to be transferred to several other companies who they now claim hold my debt. If another company owned the debt, they were required by law to advise me of that, which never happened. I made monthly payments to them and they failed to deliver on their promises. I now have a student loan that I have been paying on which is still in default and I have no idea if any of the money I paid actually even went towards my loans. This is deceptive as well as illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX  card partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XX/XX/2019 in the amount of {$12000.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: ProCollect, 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: Account status incorrect

Complaint:
We moved into XXXX XXXX XXXX in XX/XX/XXXX as we had sold our house quicker than expected. We closed on our new home on XX/XX/XXXX and moved out of XXXX XXXX on XX/XX/XXXX, at which time we were told by XXXX XXXX that our account was paid in full and had a XXXX balance. A considerably long time after that, we received a letter from Pro collect stating we had been placed in collections, at first they told us we had moved out in XX/XX/XXXX, not XX/XX/XXXX. I repeatedly told them their information was incorrect, but they kept on sending me collection letters, I asked for the information that was provided to them by XXXX XXXX, & it is false. I have tried numerous times to contact pro collect without success and have filed several disputes through experian again without success. I believe the actions of this debt collection company is in breach of the Fair Credit Reporting Act.

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 2021-09-16
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is held by Ocwen Loan Servicing. My monthly mortgage payment was {$1700.00} per month. That payment was fine.Over the past 2 years my family income has declined by about 20 %. It was getting harder and harder to make the payments. 
I requested a loan modification. on XX/XX/2019 Ocwen came back with a payment amount of {$1700.00}. I told them that a {$15.00} decrease in my payment was not going to help me.At the same time my house was damaged by weather. I received a check from the insurance company that needed to be endorsed by Ocwen. They received the check on XX/XX/2019. They still have not paid me any of that money to fix the house. The house is currently uninhabitable due to the weather damage. ( I filled a complaint with CFPB # XXXX ) to force them to give me the insurance money I need to fix the house so that I can move back in. After the modification for {$1700.00} and the fact that I am not able to live in the house I requested another trial modification. On XX/XX/2019 they came back with a new modification payment of {$1700.00}. So the bottom line is 1 ). my income dropped by 20 %. 2 ). After 2 modifications my payment INCREASED by {$7.00}. 3 ). I am unable to live in the house because Ocwen will not Give me the insurance money ( that I paid the premiums on ) to fix the house. I am currently at least 4 months behind on my mortgage as I am forced to pay for other means of housing for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX19 phoned RMP LLC to pay off my medical debt upon talking with representative I was offered a 20 % discount because they were medical debt which I agreed & paid XXXX was given confirmation number XXXX all of the debt was removed dropping my score by 50 points at which time the 20 % of three of  them was put back on my report phoned RMP llc on XXXX19 was told needed to forward to her manager phoned for update on XXXX19 was told account is at XXXX when new update came through they were still on my credit report phoned RMP llc spoke to manger XXXX XXXX at which time I was told we only report once a month on 20 so its now XXXX19 & those 3 still remain on XX/XX/XXXX report they are off the other 2 agencys report also spoke to XX/XX/XXXX & was told had to deal with RMP llc for removal I feel as though Im getting the run around between RMP llc & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Navient Solutions, LLC.
State: FL
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:
I had student loans with Navient. When I was started receiving my bills, they wanted me to pay over $ 700/month. I did my best for a while but, as a new grad with another private student loan with Sallie Mae, a federal student loan to pay as well AND living in XXXX ( with very high rents ), I was nearly zeroing out my bank account trying to pay that. I called Navient on numerous occasions attempting to see if I can do an income-driven repayment plan but they kept telling me that the particular loans that I signed up for were not eligible for income driven payments and told me that my only option was to put one or all of my loans in forbearance ( as I had multiple loans ). If I continued to attempt to make the full payment, I would have defaulted so I felt that forbearance was my ONLY option. The forbearance would only last for 3 months so once it was up, I would call back and ask if there was a different payment option, which I was told again that forbearance was the only way to lower my payments. In addition, I was charged $ 40- {$100.00} every time I put the loan in forbearance. I called and asked on the following dates : XX/XX/XXXX where I was charged {$50.00} for putting the loan into forbearance, XX/XX/XXXX where I was charged {$50.00} again for putting the loan into forbearance, XX/XX/XXXX where I was charged {$100.00} this time for putting the loan into forbearance and lastly, XX/XX/XXXX with another {$100.00} charge. They said these payments were required to put my loan into forbearance and would be going towards my loan anyway. Again, they never gave me any other option, which was extremely frustrating as I know those loans are still accruing interest while on forbearance and I had very high interest rates/larger loans. I attempted to talk to a manager/supervisor on one of the calls and that seemed to be a waste of time. Ultimately, I ended up getting fed up with their tactics of forcing me to put my loan into forbearance so I was able to refinance my loans with another company ( XX/XX/XXXX ) but it was not fair to be forced into something and have so much more interest accruing. Very frustrating to look back on and now read all of the stories regarding the law suit, since I went through the same thing. A massive lender like this should NOT be allowed to take advantage of people like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 a medical charge that doesnt belong to me was added against my credit report by CFSI without no previous notification toward me. I do not recognize this charge, it doesnt belong to me, and I needed to be remove from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX was sold to XXXX XXXX ( a debt collection company ) and both companies are trying to collect on the debt hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
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: Account information incorrect

Complaint:
To Whom It may Concern, I am writing this letter in regards to my XXXX   XXXX Account. 
The account that I had with XXXX has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: WELLS FARGO & COMPANY
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:
When l checked my XXXX credit report, l noticed that there is a hard inquiry reported by WELLS FARGO BANK on XX/XX/2018 which l have NO idea about it.

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 2021-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
All my accounts emails phone numbers along with my personal information have been compromised. this is urgent matter attention to all credit consumer local and national involving the following person me ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX last four of my social XXXX only contact number i approve is to XXXX XXXX at the number XXXX this is the only person approved to be contacted in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an XXXX XXXX XXXX credit card that is issued by Comenity. I received an alert from XXXX XXXX that the credit limit on one of my accounts was reduced. I had not been notified by anyone so I was not sure. I had to log into XXXX XXXX to find out which account it was. Once in XXXX XXXX I found out it was the XXXX XXXX Store card. I called customer service to find out why the credit limit was reduced and the representative could not tell me. Worried about how their change would effect my score and I wish to purchase home, I asked for it to be increased but then I cancelled the request all in the same call because I did not want them to pull my credit and I plan to close the card. I received an email from Comenity stating my request to increase my balance was denied due to information they received from credit reporting agencies. My score has gone up since I got this card and I never agreed to random credit inquires so I asked that that information was and the source of the information. I was told to call customer service. I called customer service again today. Speaking to someone is not even an option. When I finally did get someone he said he could not help me and transferred me where I was asked all my information again and the call was disconnected. 

This is the email I received : Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- your credit limit was reduced to a total of {$250.00} based on information provided to our Bank by the credit reporting agencies. 

This is what I read in the last message. What information provided by credit reporting agencies? Are you all running my credit on a regular basis? How are you getting this information? Was my credit run with the last request to increase? I CANCELED THE REQUEST FOR AN INCREASE I TOLD HER I DID NOT WANT THE INCREASE. I WAS LEFT ON HOLD AND I HAD TO GO BACK TO WORK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: OH
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 hard inquiries on my credit report for all three credit agencies that I do not recognize and were not authorized by me. 

-Equifax- Company and date of unauthorized Inquiry XXXX XXXX. XXXX, XXXX, XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX -XX/XX/XXXX- Company and date of unauthorized Inquiry XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XX/XX/XXXXCompany and date of unauthorized InquiryXX/XX/XXXXBusiness CRED - XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXXXX/XX/XXXX Business CRED - XX/XX/XXXX XX/XX/XXXX Business CRED - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX Business Cred - XX/XX/XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 hard inquiries on my credit report for all three credit agencies that I do not recognize and were not authorized by me. 

-XX/XX/XXXX- Company and date of unauthorized Inquiry XXXX XXXX. XXXX, XXXX, XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -TransUnion- Company and date of unauthorized Inquiry XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX -XX/XX/XXXX- Company and date of unauthorized InquiryXX/XX/XXXX Business CRED - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX Business CRED - XX/XX/XXXXXX/XX/XXXXBusiness CRED - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX Business Cred - XX/XX/XXXX XXXX XXXXXX/XX/XXXX- XX/XX/XXXX XX/XX/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 2018-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pay portfolio recovery for my old XXXX account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM NOW SUFFERING THE CONSEQUENCES OF SOMEONE'S SELFISH ACTS. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. 
IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief