BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: IN
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 submitted information to credit bureau 's regarding information on my account. I have not received any update regarding the investigation. It has been well beyond 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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:
to my best knowledge my personal information was taking to open fraud wiresless account and to apply for loans of some kinds i was advised to send this form in for the accounts that i didnt authorize

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 2016-08-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
Product: Credit card
Issue: Other fee

Complaint:
ECSI, acquired by Heartland Payment Systems, tried to assess a surcharge that exceeds 4 % ( 4.05 % ) in their student loan payment portal through the Campus Partners website. There is a surcharge for both debit and credit cards, which as I understand it, is illegal. Since surcharge can not exceed their " merchant discount rate '', please publish their discount rate so that we are charged the lesser of the XXXX. I 'm certain that it does not exceed the {$40.00} fee they tried to assess for my one time card payment of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax , I am not quite sure why you people wish to continue to sabotage my credit. You have re added my student loans to my credit file. They are listed on my credit file 6 times. I only have XXXX student loans and they are all current. You have duplicated the information. Please remove the duplications off of my credit file. I only have XXXX student loans which I have had on my credit file since 2005. Not XXXX. Take the duplications off of my credit file immediately. My attorney will be filing the financial harm suit against you people very soon. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed this account time and time again submitting undisputable proof and only receiving the same results. This account is in violation of being deleted then place back on my report by changing the dates on the file. They are also only verifying the name and address with the grantor they are not taking into consideration the proof I have attached which shows that they made errors. The proof also show that the foreclosure was stopped by the courts and reconciled. Every account on my credit file is paid as agreed this account has hurt me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 We closed on a VA XXXX on XX/XX/2022, and our Mortgage switched from PHH Mortage co. to XXXX XXXX  to Federal Savings, on the XXXX. of XXXX. We understand that our next payment is in XXXX. While on vacation In NH. on XX/XX/XXXX. we stopped to fill up our XXXX XXXX which we just paid off with the refi. to our surprise, our Bank card was declined. We called our bank and were shocked to find out that PPH Mortgage not only extracted {$1800.00} ( our old payment ) from our account but we were hit With a {$35.00} overdraft charge. I got on the phone with PHH Mortgage at .about XXXX XXXX  I talked to a rep. Who just did not understand. I asked for a supervisor and was placed on hold, then disconnected. just about out of gas I called again and found myself frustrated with the automated service that wanted our account number, Not Submitting that to memory even when they held our mortgage. I finally got through and explained our situation yet again. the rep forwarded us to a specialist who advised us to snap-shot a copy of the {$1800.00} extraction and {$35.00} overdraft ( temp at this time in NH, was About XXXX ( 76 % humidity ) we obtained her EMail XXXX XXXX gave us our Acc # ( XXXX ) We sent the email and wanted our vacation money to be deposited into our account. It never happened? I had a friend Deposit some money for us so we could find some accommodations seeing that the place we rented for the week was canceled due to the owner 's contract covit, It's XX/XX/XXXX. And yesterday XXXX contacted us and said her boss could not reimburse us But could apply it to a mortgage payment with our new company, XXXX XXXX? Wich, we no longer have. Seeing we just refined with Federal Savings. Out of money, Patents and time Sincerely XXXX And XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since XXXX over the past 3 years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit 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 2016-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
They will not respond to any of my disputes. 
XXXX XXXX XXXX is on there twice. This is a duplicate listing. Not only that, but it was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. It can only be on there once for the same bill, not twice. And, it needs to show as a {$0.00} balance since it was included in a bankruptcy and discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried to dispute this online being that I was just made aware of this over the weekend. Its an account that 's in collection that I have no knowledge of. 
Account name : XXXX services dated XX/XX/2017 {$59.00}. I have no knowledge of this account and have never received any mailings prior to it going to collections

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 2017-01-29
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have experian online reports and summary and it states credit cards, loans, medical bills, bank accounts, etc. that are not mine. I have never had any credit card or bank accounts of any sort until XX/XX/2016. Names for Me are not right. Collections are not mine. I requested a annual report from all XXXX breaks today and they all gave me a series of questions to confirm my identity and I had no answer for any of them. These accounts are not.minem I have XXXX credit cards, XXXX merchant card, a bank account, and XXXX installment loan from XXXX, and a phone bill. Please help me! I need a credit report sent to me preferably online or phone asap.

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 2020-08-06
Company: Experian Information Solutions 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:
I have been trying to resolve an account with the company XXXX, XXXX. The account number with XXXX is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and Experian both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for XXXX on my credit report is : XXXX. This account with XXXX has been removed from my XXXX  report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX  report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.

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 2017-10-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XXXX XXXX of XXXX, I mistakenly sent a payment to an American Express credit card that has been closed since XXXX. The account with American Express was negotiated and settled for less than the amount owed through a court-approved judgment. I had made all payments as agreed to and satisfaction of the agreement was filed with the court. My account was closed and reported to the Credit Bureau as such with XXXX balance. 

I accidentally sent a {$3000.00} payment to this closed American Express card as it used to be my XXXX branded card. By mistake or an online glitch, the payment was to be sent to my current XXXX XXXX credit card. When I did not see the payment credit after two weeks, I realized the issue. 

I contact AMEX on XXXX XXXX, XXXX, to return my {$3000.00}. They acknowledged receiving the monies and acknowledged it was received against a settled and closed account. They promised to send a check back to me in the mail and took my bank information in case they would prefer to wire the money back. 

On XXXX XXXX, XXXX, I called AMEX and got transferred to 7 different individuals where the last customer service guy, clearly speaking to me from XXXX, informed me that AMEX will not return my money back. Their excuse is that I voluntarily sent the money to them and they are not obligated to send it back to me. This is, of course, unacceptable for many reasons : 1 ) We have a negotiated and completed settlement agreement filed and executed with the court 2 ) AMEX attempted to deny receiving my payments in the past and garnished my account. I sued them and reversed the judgment as I proved they had received all payment. An application to remove judgment was filed by AMEX 3 ) My credit Bureaus report " AMEX account Closed '', " Charged Off '', " XXXX Balance '' 4 ) AMEX has already received a tax credit against this charge off. My tax dollars were utilized with the charge off 5 ) Why would I ever spend {$3000.00} to an already closed and charged off account.
6 ) How could a Multi-Billion dollar in quarterly profits company like American Express take advantage of a struggling consumer like I am is beyond any moral, corporate, social or ethical protocols?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was 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. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/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 XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: U.S. BANCORP
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 information incorrect

Complaint:
I have 4 hard inquries on my XXXX  Report from the company Us Bank Deal on XX/XX/2020.

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 2020-06-17
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX I sent ProCollect a letter requesting proof of debt and disputing the debt for XXXX XXXX. This is NOT a true and valid debt. Procollect mailed me a copy of a lease that was allegedly signed by me ( that was not signed by me, the signature is not my signature ) stating the debt is valid. These item do not qualify as full validation per FCRA. The information Procollect sent me did not include a copy of my drivers license, social security card, or any additional proof that this debt is mine. I have disputed this account several times advising that this account is NOT mines. Procollect is shifting the burden of proof on me ( the consumer ) stating that I need to mail in proof that i am not responsible for this debt when the fair credit reporting act states that all account must be properly validated by the collection agency which I know Procollect did not properly validate this debt, so there far the account must be deleted from all three credit reporting agencies. I contacted the apartment complex XXXX ) directly which they advised they don't have any information pertaining to previous residents. That also stated that XXXX was a previous apt management company that managed billing and is no longer in business. They stated they are under new management and unable to assist me, so HOW DID PROCOLLECT PROPERLY VALDATE THIS DEBT? This company is in violation of the FCRA for continuing to verify the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA. I also have PROOF that I was renting/living at another apartment during this time.

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 2019-12-21
Company: Paypal Holdings, Inc
State: CA
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:
On XX/XX/2019, I purchased what I believed to be a brand new XXXX XXXX XXXX XXXX for {$49.00} from what appeared to be a legitimate ecommerce website that I found via XXXX XXXX. 

I checked out using PayPal. It turns out that this website is no longer live. In fact, the PayPal payment account was tied to a XXXX name/email. According to the USPS, the scammer created a shipping label using an address in my zip code ( a tire store ) to make it appear as if the package were delivered to me. If you trace the tracking code, it appears that the package was delivered, but it doesn't show WHERE the package was delivered. 

This is a known scam that was just exposed by the XXXX XXXX XXXX : https : XXXX I am saddened that both XXXX and PayPal have refused to address this scam. Their negligence allowed this scam to occur. Why should I pay for a product that was never received? 

I have excellent credit and make over {$150000.00}. Why on earth would I lie about a package that I did not receive? Shame on PayPal and XXXX for being foolish enough to allow consumers to be defrauded by a XXXX scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: UT
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 tried and continually dispute a wrong name and address with Experian but the company refuses to take it off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX XXXX. XXXX was informed of suspected fraud re my Capital One XXXX ( Visa Signature ) card. When fraud was confirmed, my card was deactivated and I was told its replacement was being sent " XXXX-Day Priority ( USPS ). 
XXXX XXXX. still no card even tho ' UISPS tracking site said " delivered '' ( to the wrong end XXXX! ). 
XXXX XXXX, no card. I called Cap. One and info 'd them re USPS " delivered ''. Their representative assured me it WOULD arrive " tomorrow or Friday at the latest ''. 
XXXX XXXX, no card. I spoke w/ a supervisor who was befuddled and connected me w/ his superior. She said the card was lost, they had canceled it and that they would send me ANOTHER ( XXXX ) card via USPS XXXX-Day Priority. 
IF I get the card this time, it will have been at least eleven days. 
Already some of my credit card auto-pay companies have been denied payment and my previously " excellent '' credit rating is in decline ( a VERY big issue since even XXXX ca n't get credit reports corrected and numbers restored ). Additionally, I can not do business online and I must carry large sums of cash to cover the daily expenses that had been covered by my Cap.One card. 
" What 's in YOUR wallet? '' the ads ask ; " NOTHING! '' is my reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company agreed to remove this debt in XXXX. It was reported as an auto loan which it is not. The company XXXX that provided the product failed to uphold agreement and has since then went out of business. The product was damaged upon arrival and repair cost was paid by me. None of the important documentation after repeated attempts to obtain have not bee provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
US DEPT OF ED/XXXX or XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) I have made the payments every month and each month I get a {$20.00} increase of interest " Balance Increased by {$22.00} '' Graduate PLUS Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details XXXX XXXX U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: IN
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 submitted information to credit bureau 's regarding information on my account. I have not received any update regarding the investigation. It has been well beyond 30 days.

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 2022-07-23
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation