BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is allowing XXXX and XXXX XXXX systems to report the same account twice on my report. Both are for the same dollar amount and are the exact same debt from Hamptons at XXXX XXXX. I told Equifax which has already admitted the error, and they have done nothing to get this fixed. I 've disputed these accounts 6 times over the past year and was finally told that the account numbers are different which prevents them ( Equifax ) from removing the inaccurate info on my report. I was then instructed by the associate on the phone to contact CFPB to report this ILLEGAL credit reporting. I am contacting an attorney in regards to this matter because it has caused a huge issue in my personal life. Please feel free to contact me regarding this matter. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: UNITED BANKSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I previously reported the problem of United Bank XXXX XXXX XXXX, VA opening a savings account in my name without my permission, and when I told them not to. That complaint was XXXX. You closed this ticket without taking legal action against them. I want legal action taken against United Bank, and any funds misappropriated returned to 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 2021-03-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXXXXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: VIRTUOSO SOURCING GROUP, LLC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
OnXX/XX/XXXX My wife and I want to exchange a bad phone. XXXX told us they would set up a new plan and send us phones right away. They told me they would over night them for {$61.00} and I agreed. The next morning I received a text saying that they charged my account {$810.00} and I would receive the phones in 8 to 10 business days. I called them right away and told them to cancel everything. That was not what I agreed to and to return my money as soon as possible. XXXX told my that finance department would handle it and I would get my funds back in three to five business days. I waited three weeks and finally got my bank involved to dispute the charges. I never received any phones from XXXX!! I noticed a charge on a email message in XX/XX/XXXX for {$810.00} from XXXX and to pay immediately. I called customer care and they said they would fix the issue. I have since been turned into a collection agency for {$810.00}. For this reason I am submitting this complaint and I am seeking legal council to pursue legal matters to clear my credit.

Company response to consumer: Closed
Consumer complaint received 2016-10-12
Company: Jonathan Neil & Associates, Inc
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a ) The company that the firm represents had already collected via my insurer b ) Company have no license to collect a debt in this particular jurisdiction, nor any cause of action in any jurisdiction. It employs a scare tactic form letter. I have a XXXX and have practiced in the field and am familiar with laws and regulations, but I 'm in the minority. 

c ) Representative refuse to acknowledge the aforementioned and made an ad XXXX remark against my mother, not a party. 

d ) Representative attempted and failed at bullying me into paying a debt without a chance for me to adequately explain and when I turn up the volume, he hangs up.

Company response to consumer: Closed
Consumer complaint received 2021-03-10
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: Reporting company used your report improperly

Complaint:
I have inquiries on my credit report that I did not authorized I sent proof of police report and identity theft report to transunion and they still refuse to remove these inquiries that I did not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, 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've been disputed this same fraud auto loan collection account since it was brought to my attention in XX/XX/2020. The bureaus conducted their investigation and it was removed from my report after the investigation was completed. The account started reporting again 2 weeks after it was removed. Per my understanding, if an account is removed for fraud, it is blocked from reappearing on the report again and yet here it is. Furthermore, I've been redisputing it and the bureaus are taking no action to restart their investigation let alone look at the previous investigation notes. I shall make no further pleas. Next step will be a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We contracted with a local XXXX company to provide a mortgage for a new home until our current home was sold. 
XXXX XXXX, 2014 : XXXX Mortgage sold the mortgage to SunTrust. We paid on time every month ; no delinquencies. 
XXXX XXXX : I requested payoff figures for the loan by phone and senta check for the quoted amount via USPS Next Day delivery. 
XXXX XXXX : I received a letter from SunTrust confirming the payoff amount, covering the period until XXXX XXXX. This matched the funds I sent XXXX XXXX. 
XXXX XXXX : I received the USPS confirmation, signed XXXX XXXX in XXXX, VA. 
I checked my bank and check XXXX had not cleared, so I contacted SunMortgage by phone and they refused to acknowledge they had received the check. I first tried to use the " secure email '' service on their website but it did not work ; I tried XXXX different browsers. 
XXXX XXXX : my check XXXX cleared my bank. 
XXXX XXXX : I received mail from SunTrust saying I owed them additionalinterest and recording fees. I called XXXX for clarification. They told me Ihad not used " guaranteed funds '' so they only applied my check to the principal. 
They obviously cashed the check without a problem, 13 days after they received it. 
I do n't understand how I can be responsible for their bad management ofreceived funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-03-10
Company: Experian Information Solutions 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:
I applied for credit cards to 3 creditors XXXX XXXX XXXX XXXX XXXX XXXX : they said they used Experian to check my credit and they decided by themselves according to their own policy if I have more than 5 credit card last 2 years to disapprove although my score is XXXX and they answered you cant open credit cards with other creditors I answered I don't have any card with XXXX but I have the right to apply to any credit with any creditor they said NO this discrimination against me and the USA is not running credit by XXXX XXXX XXXX : they are the worst they send me a report telling me they used Experian and they said the same XXXX plus they accused me that I did not pay my balance last 12 months and Experian denied that in their report and I could not get approved by XXXX I have the report as well Experian report XXXX XXXX : I called they said you are not approved we will send you mail to tell why you not approved after we receive reports from XXXX XXXX, XXXX, Experian I asked can you tell me why you disapproved of me before you get these reports there is no Answer

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 2015-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
putting improper information on my credit report that is not trues. I ask them to provide me documentation. they said they have to look for it been waiting for months never given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Western Union is denying money transfers services between myself and XXXX XXXX in XXXX. The money that I transfer is from Social Security and part-time employment as a Customer Sales Associate for XXXX XXXX XXXX in XXXX, XXXX. All money transfers that I send are intended to pay for rent, food, medical care and comfort for XXXX, my XXXX yr old biological son, XXXX XXXX XXXX XXXX and her XXXX yr old daughter XXXX XXXX XXXX. My intent is to marry XXXX. Our XXXX Attorney was not able us annul so I unknowingly left XXXX XXXX pregnant in XXXX and returned to XXXX to for XXXX Immigration, and Legal Help needed for money, healthcare and legal representation so we can marry ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: NV
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/2021 I have a new lender Mr. XXXX loan # XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

On XX/XX/2021 I made my first payment online for {$2500.00}, I received a confirmation email from Mr. Cooper acknowledging my payment. 

I called twice during the month of XXXX letting them know the funds had not been debited from my account both times they told me due to conversion it would take a few days. 
on XXXX XXXX I went online to make my XXXX payment and it states I am past due for XXXX, I need this issue taken care of I do not want to be charged a late fee or a bad mark on my credit report on my first payment, I had plenty of funds on my account. 
XXXX XXXX XXXX XXXX ROUTING XXXX, today I called and they said I need me to prove I had funds in the account, that is so unnecessary but I have attached proof the they were plenty of funds on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021, I called National Credit Adjusters reference two account that were transfer to their company from XXXX XXXX XXXX XXXX XXXX. The two credit accounts one has a balance of {$400.00} and the another account has balance of {$420.00}. The two credit accounts were charge off and National Credit Adjuster is reporting the two accounts to the credit bureaus with an balance of XXXX for one account and {$420.00} for the another account. Furthermore, National Credit Adjusters have continual to call my job several time at XXXX XXXX XXXX XXXX, and I asked the company not to call me at work, but they continue to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Santander Consumer USA Holdings 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:
My husband went to XXXX XXXXXXXX to view a car. I was not present. 
XXXX  XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. 

All happened on XX/XX/XXXX. 
SANTANDER CONSUMER USA Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: Old information reappears or never goes away

Complaint:
There are at least six ( 6 ) instances where my name is being inaccurately reported. 
6 different names that are not mine. I requested deletion of all names except my actual name. 
There are at least twenty-three ( 23 ) instances where an address is being inaccurately reported as my address. 
I requested deletion of all other addresses that was not mine. 
There are at least three ( 3 ) instances where my phone number is being inaccurately reported.

I requested deletion of all other names.

There are at least four ( 4 ) instances where my employment is being inaccurately reported. 
I did not consent to those agencies furnishing reports with incorrect names, addresses, phone numbers, and employers. I believe this is either provided fraudulently and/or invites fraudulent actors to take advantage of such an inaccurate report. 


My only name is : XXXX XXXX My only address is as follows : XXXX XXXX XXXX XXXX, Florida XXXX My only phone number is : ( XXXX ) XXXX My only employment is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2016-04-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian refuses to reinvestigate anything for a second time. They do it once then block online access to dispute a second time, they do n't care if the information can not be validated or lowers your credit score. You get a pop up box saying they already investigated, even when it 's been 3 years already. They direct you to go to Experian.com/upload, then you upload documentation, and there is never a dispute that is opened up even after that, or any resolution or response. They keep false information on the credit report that is in violation of FDCPA ad CFPB. The consumer is stuck with the information like it or not and Experian makes money off of us selling our information and getting paid money from the creditors with the incorrect information.

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 2015-08-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX ExperianXXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- the are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: North Shore Agency, LLC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NORTH SHORE AGENCY ( NSA ) alleges that I owe money for a magazine ( XXXX ) that I did not order or request. I DID NOT RENEW the magazine subscription and DID NOT RECEIVE the magazazine as claimed by NSA NSA has threatened my credit rating and turn this FRAUDULENT bill. NSA has a history with the FTC for engaging in this form of fraudulent behavior, in fact, NSA has been been the target for numerous FTC complaints and actions in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My husband had XXXX, and he did n't understand the difference between credit and debit cards, so he got us into lots of trouble often. We filed Chapter XXXX in early XXXX, then in XXXX XXXX he passed away, I was told to turn the XXXX into a chapter XXXX, with the agreement to keep my house and car. So it was filed and I was discharged in XXXX XXXX, I found out about 4 mos later, my car and my home was added to bankruptcy. But I was continuing to pay XXXX. I went to another Lawyer and was told they could do nothing about it. there is lots more descrepancies on my report. Inquiries specially from a certain Co., and I have called them crying asking them to quit. A collection was placed on my file, that was not suppose to be. The lawyer that represented me was banned right after that for causing so much trouble and frauding people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I had a mortgage through Chase bank. My home was foreclosed. Now, Chase bank continually harasses me with " mortgage assistance '' help! I have called a nd mailed them several times to stop - they continue. I receive mailings several times a week. This is ridiculous. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collection never sent me any paper work about taking me to the court .I called the collector office after I received a wage garnishment mail from my job.Debt collector did n't want to tell me wich court was addressed the garnishment, happened about 10 years ago.Because I could n't get help from anywhere, I could n't stop the garnishment, because if was n't fear since the beginning of the debt situation ( credit card bank did n't want to help me ) .I lost my job and they stop the garnishment ( I payed already more of original amount that I owed ) because I start working and other job and they did n't anything.now I received again wage garnishment mail from my other job never from debt collector, and they did and different court county, very far from my living address.In the letter they change the debt original date.they started again and shows like I never payed .They caused me so much expenses with fees to my bank accounts, etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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:
XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.

Company response to consumer: Closed with explanation