BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, INC.
State: IL
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:
CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked this company to send me directly, proof of me owing the large debt that they claim that I do. Proof, such as a contract. I was sent a bill, which I do not recognize, which is definitely not adequate proof of a debt owed. 

I have asked them to delete this account from my credit reports if they are unable to adequately verify this debt, as they are unfairly and illegally infringing upon my consumer rights!!! 

They have not only failed to deliver the adequate proof, but have also ignored my request to have this account deleted, due to them not adequately verifying the claimed debt. This is illegal!! Please deliver the adequate proof, or remove this item from my credit report and cease attempting to collect any money from me!! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have accounts still under investigation, it has been over 30 days and I have not heard anything back from the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have a freeze in place, and a fraud alert. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.

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 2019-09-06
Company: Experian Information Solutions Inc.
State: IL
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:
CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.

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 2020-08-20
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recorded message> Hello this is " Haris & Haris Ltd, Phone # XXXX, Says that the company is a Debt collector. Gives times to Call! I am not in Debt and never have been! May be tryiong to reach another person with a similar name! I an not here for their information ABOUT SOMEONE ELSE I HAVE RECEIVED 4 CALL IN ONE MONTH!!! Thank You!!! 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had account at chase bank for almost a couple years I just recently got a letter they going to close my account I called number on paper to find out why they didnt give me no answers I tried to open a new bank account but cant and I think its because something they wrote on my history and I dont know why. I havent written any bad checks or did anything fraudulent so whats going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX I Have sent out numerous letters with attached proof of identity, bill, and social security number asking for everything stated on my credit report to be fixed and everything false to be removed. They did nothing but, ask me to submit the proof I've sent with every letter. I've sent numerous letters and have it all time stamped proofs.

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 2018-08-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, On Monday XX/XX/18, I was told my new credit card account was closed. This was after discovering it went under periodic review XX/XX/18. 

I suspect this is because I wanted to pay my mortgage AT THE CHASE BANK and instead of charging the card a representative attempted to do a cash advance of over {$4000.00}. 

This was not my fault and I feel cheated that I lost my card over a rep messed up. 

Please help me get this card re-instated. Im picky about my credit and this was not a simple decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: OH
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: World Acceptance Corporation
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: Information belongs to someone else

Complaint:
There is 2 debts being reported to all 3 credit bureaus from World Finance. I have disputed these charges. There are 3 accounts and I only had one account with World Finance, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted World Finance about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XXXX XXXX. I contacted World Finance again and spoke to XXXX  on XX/XX/2020 and she informed me that if I pay {$200.00} that World Finance would remove this debt from credit, although this is not my debt, so I sent World Finance a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent World Finance. It still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a transaction for a payment company XXXX XXXX XXXX for the amount {$50.00} dollar that came out of my checking account without having the funds available XX/XX/2019 and M & T bank keep charging me and my overdraft fee {$38.00} dollars the next day and I did not know that I was going to have the payment collected from my account and was not expecting this to happen and the same date this transaction occurred I move {$70.00} dollars to my other account. And I never had the funds available. And M & T does not want to be wave the fee

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 2021-06-08
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed hard inquiries on my credit report that I did not authorize and did not receive a response or correction from neither of the Credit Agencies. 

XXXX hard inquiries are XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX. -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX -- -- - Dispute letters were sent out XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Inquiry date : XX/XX/XXXX XXXX hard Inquiries are XXXX XXXX -- -- -- -- - Dispute letters were sent out on XX/XX/XXXX and XX/XX/XXXX. I received a notice from " XXXX XXXX '' saying that there is no account-related inquiries or application on file but yet they have not deleted this inquiry on my credit report. 
Inquiry date : XX/XX/XXXX Net Credit -- -- -- -- - Dispute letter was sent out XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday XX/XX/XXXX I made a withdrawal from my Bank Of America card. I went on holiday for the XXXX XXXX weekend and returned on Monday and couldnt find my wallet. I checked my bank account and noticed that my account was emptied by numerous transactions over the weekend and immediately called and reported it. This week Bank Of America has decided to deny my claim trying to tell me that its consistent with the transactions made on my account when that is not the case. I had multiple bills that were supposed to be withdrawn from the account but were getting returned because of these fraudulent transactions and Bank of America has no intention of trying to find a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX a utility bill was reported for non payment. The amount of XXXX was satisfied in XXXX of XXXX. I contacted the collection company that was reporting it to ask that it be removed from my credit since it has been paid and they stated no. Im seeking help to have this removed from all three credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 RECEIVING LETTERS IN THE MAIL FOR A WHILE NOW ABOUT ME OWING CHILD SUPPORT MONEY. IM NOT QUITE SURE WHAT ANY OF THAT IS ABOUT BECAUSE MY KIDS LIVE WITH ME AND I HAVE NEVER BEEN PUT ON CHILD SUPPORT. I ALSO GOT DENIED A CREDIT CARD FROM XXXX XXXX DUE TO A LOW CREDIT SCORE. I HAVE PULLED MY CREDI AND I SAW CHILD SUPPORT ITEMS AND LOANS ON MY ACCOUNT THAT DOES NOT BELONG TO ME. I STRONGLY BELIEVE MY IDENTITY HAS BEEN STOLEN. PLEASE REMOVE THESE ITEMS FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX Company Inquiry : 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 2019-09-06
Company: Everest Receivable Services Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Received calls between XXXX and XXXX multiple times : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 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 2020-09-23
Company: EQUIFAX, INC.
State: LA
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:
In XX/XX/2020 at the beginning of Covid 19, my equifax score was above 700. My complaints is with equifax. In XX/XX/2020 i made arrangement with XXXX XXXX for a two months deferment on auto loan for XXXX and XXXX payment. In XX/XX/2020 only my equifax score dropped 80 points. XXXX had reported that i missed two payments. When equifax contacted XXXX, XXXX corrected the report to show the deferment arrangement. However equifax have refuse to restore the 80 points due to XXXX report. I have file complaints with equifax and they refuse to correct. I appreciate you looking into this compaints against equifax. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Planet has repeatedly made errors In the servicing of our mortgage, putting our credit at risk. We have NEVER missed a payment or paid late. We attempted to accept forebearance due to covid, but due to Planets extreme negligence, we opted out. Planet then set up double payments in error. When I tried to have Planet stop the incorrect double payment, they said they couldnt stop their error and asked me to talk to my bank to stop the double payment Planet set up in error which I did. 
Most recently, on XX/XX/XXXX, planet reversed an entire mortgage payment and placed a cleared payment in their suspense account without my knowledge or consent. I called on XX/XX/XXXX when I noticed the error and the unknowledgable rep could not answer my questions or tell me who placed the payment in suspense causing a late payment. 
She moved the payment from suspense and told me what I owed. 
I paid using acct ending in XXXX on XX/XX/XXXX. I REPEATEDLY ASKED TELL ME WHAT WE OWE SO I CAN OAT RIGHT NOW BECAUSE YOUR ACCOUNTING IS ALWAYS WRONG. She had trouble telling me what we owe. It took a long time for her to forgive it out. Once she told me the amount, I paid over the phone. The Planet representative said No further amounts were due. The money cleared the account XX/XX/XXXX and was never returned. 
Planet then proceeded to send me a statement on XX/XX/XXXX saying I owe {$2700.00}, and another statement dated XX/XX/XXXX saying I owe {$5300.00} and change. They then sent me a letter for assistance with foreclosure or non payment, even though we did not owe anything. They cant keep track of accounting. 
Then I received a call XX/XX/XXXX saying I owe {$5300.00}. I lost it. They have no record of my XX/XX/XXXX payment which has cleared my account. They have misapplied my payment again! 
PLANETS SEVERE NEGLIGENCE IS PUTTING OUR GOOD CREDIT AT RISK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep calling from different numbers I stated to leave me alone and take me off the list.I also have no knowledge about the debt there stating I owe and I just had a baby and it's AGGRAVATING.They stay hurassing me I tried to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Huntington Debt Holding LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account from XXXX XXXX was paid by XXXX XXXX XXXX ON XXXX.I was told that the account was never sold at all.I have tried to contact Huntinggton Debt Holdding with no reply.The account showed up like two weeks ago on my XXXX  credit report but has a date of XXXX.I have never received any letters in the mail regarding the account. {$610.00} was paid on XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Earnest Inc.
State: MD
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:
Earnest refuses to allow me to enter auto pay to my detriment. They are unlawfully collecting $ XXXX in additional interest. 

Their privacy policy is not compliant with the CCPA. 

Their website is not XXXX compliant.

Company response to consumer: Closed with explanation