BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX XXXX has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.

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 2015-11-21
Company: D&A Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
DNA has called my cell phone saying I have a debt, and to please contact them. I called to be told by a recording, this is attempt to collect a debt. I later heard from a representative asking if it is okay to continue on. I agreed to hear what they were talking about, and the process begin. I was asked all my personal information to find out they were harassing the wrong person, I did not want to disclose my personal information over the phone. After they told me they had the wrong person and the name given was my mother. I asked them to disclose the debt since they had asked me, my personal information, I was told I was n't on the account could not disclose her personal information without her consent. I did not give my mother my consent to be a credit reference. I 'm highly upset, there should be a law against putting a person on a loan for credit reference without their consent when applying for a loan.Also stop debt collectors from perusing non applicant ( credit references ).

Company response to consumer: Closed
Consumer complaint received 2020-04-09
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is on credit report, debt is from year XXXX, contacted debt collection by written debt validation letter XX/XX/XXXX, sent certified with signature conformation, never heard back from the company, conformation was signed XX/XX/XXXX, asking to remove debt cause it's too old for collections it's been 10yrs since acct was closed. No contract was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Credit determination

Complaint:
I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union, XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX, they told me I need to update my phone with XXXX, and reapply, because the application is close.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-04-09
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: Public record information inaccurate

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX  THAT IS REPORTING ON MY CREDIT FILE. THIS  INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent a letter to Medicredit and asked for debt validation. I have not received a response from Medicredit and it has been over 30 days. I will attach the letter to this note stating what I asked for and what was not received.

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 2017-05-23
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: Old information reappears or never goes away

Complaint:
XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on Equifax currently they just reported I was late 90 da ys, 34 tim es and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's o n two occasi ons, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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 went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}

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 2022-09-14
Company: Prosper Marketplace, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that there was a credit card ending in XXXX that was opened in my name with the wrong address on my credit report. I then reached out to the credit card company in question to rectify the situation. I sent them a identitytheft.gov affidavit and they promised they would look into it. They closed the account, removed the inquiry, but yet this fraudulent account still remains on my credit report bringing my score down.

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 2022-09-14
Company: DISCOVER BANK
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 contacted all three credit bureau over 11 times for the last 6 years to have this information removed, provided police reports statement and no assistance. 

Contacted both credit bureau and companies reporting the accounts and nothing has been done in 6 years to fix this issue after providing documents both companies requested. 

XXXX XXXX XXXX, XXXX XXXX {$2500.00} original balance {$33000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 XXXX XXXX XXXX XXXX Balance {$2000.00} ( I do not have an account number ) this is fraud account Date opened XXXX XXXX Discover bank Balance {$1000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: AZ
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: Other problem getting your report or credit score

Complaint:
I have been attempting to release or unfreeze my Equifax credit report since XXXX of XXXX. After, approximately, XXXX plus hours of long conversations with many different representatives I have been told different things from different representatives. Some have stated that I am not who I say I am. I have mailed, twice, a photo copy of my drivers license and social security card with a written later stating that I want my credit report from equifax. Both times they have responded that this is not sufficient and that I need to send them again. I have been told by XXXX representatives that my report is open and available yet I am still unable to access my credit report or apply for new credit. I have been told by XXXX separate representatives that I am not XXXX XXXX XXXX even though I have told them all the information that they requested correctly according to my XXXX other credit reports from XXXX, and XXXX. This is costing me up to {$80000.00} i should be saving by refinancing my mortgage but I am unable to because of the impossibly absurd business practices of equifax. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Navient Solutions, LLC.
State: PA
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:
We secured a private educational loan in XXXX for our son, with a co-signer who had a relationship with and was invested in our son. The original loan was {$67000.00} and was with Sallie Mae, not with Navient. 

Our son died in XXXX of XXXX before completing his education. We no longer have a relationship with the co-signer, as his relationship was just with our now-deceased son. 
We requested a forbearance every year since his death and were declined every time We were offered a reduced payment plan ( which we accepted ) not realizing that it would 1 ) add to our amount owed 2 ) would forbid us from removing the cosigner from the loan Because we could not afford the nearly {$1000.00} per month loan payments required, we accepted the reduced payment plan so we could manage monthly payments without late payments that were hurting our credit scores As a result, our loan is now close to {$75000.00} and we are stuck, being refused any help by Navient, and are not permitted to remove the cosigner It is unclear to us when the loan shifted from Sallie Mae to Navient, but the ugliness began with Navient We are now almost 10 years into this loan, and owe more now than the initial loan. Navient refuses a forbearance or reduced payoff, and refuses to remove the cosigner We are now nearing retirement and this loan will outlive us. It is a serious financial strain on our lives and an emotional monthly reminder to pay for a loan for our deceased son. 

We will be forced to default on the loan and/or file for bankruptcy if Navient continues to refuse to negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, 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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Homeowner did everything to try and save their home. They determined that the home was unaffordable for them and decided to pursue a short sale of the property. This was a difficult decision for the client to make, but realized this was in their best interest. 
The short sale was initiated on XX/XX/XXXX with an approval letter being submitted on XX/XX/XXXX in the amount of {$440000.00}. We submitted a value dispute and appraisal showing a value around {$420000.00}. The property was built and designed for little people and does not conform with standard properties. In a detailed conversation with XXXX XXXX at the lender ; a possible approval was discussed at {$420000.00}. The buyer is prepared to close at this price and seller can avoid foreclosure. 
On XXXX XXXX we received a denial notice from the lender advising that the offer was not high enough and they were proceeding with foreclosure. 

Additionally, this is an invalid foreclosure. The original sale date was issued for XX/XX/XXXX. Since the sale has been postponed XXXX times, it is mandated by California State Law that new foreclosure proceedings must be filed starting the foreclosure process over. No new Notice of Default has been filed. Therefore, to proceed with the foreclosure sale tomorrow would be an invalid and illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: CA
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:
Citibank closed my credit card accounts ( 2 total ) without a merit and they wiped out my cash back bonus as a result. Their banker at the branch also did not understand the issue and we wrote a letter to Citibank together and still not refunding the cashback ( {$2800.00} total for two accounts ). Due to this unjust decision they dont issue a refund for the cash back that I have been saving for years. Citibank stated that they have right to close the account and I can not get my cashback that I saved for years. During these hardship times, Citibank is not very helpful and I have been trying to resolve this issue with the Banker since she understood the issue but Corporate does not want to help. 
there are two credit card accounts that they closed one 's end is XXXX the other is 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 monetary relief
Consumer complaint received 2022-08-25
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi checking account, since the bank was offering a {$700.00} bonus for depositing XXXX in new funds. The terms and conditions mentioned that you have to fund the account in 20 days from account opening, and keep the funds in the account for 60 days. The bonus would be paid out within 90 days after. 

The account was opened XX/XX/XXXX, funded by XX/XX/XXXX ( within 20 days ), and money was held till ( XX/XX/XXXX ). XXXX met again. I even called Citi twice to ensure the bonus code was added and did all my paperwork over the phone with a representative. They assured me code was added and my account was eligible for the bonus. I also called and verified when the money can be taken out of the account. I was given two Seperate answers but went with the later one as it matched the 60 day holding period.

I have been waiting for the bonus now for 2 months. Every time I call I get the run around and each time its a different answer. The representatives are rude, incompetent, and deceiving. Be careful with this bank!

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 2022-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE DEMANDED THIS COMPANY REMOVES THIS INACCURATE HARD INQUIRY FROM MY CREDIT REPORT THEY HAVE NOT TAKEN ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I HAVE REACHED OUT TO THIS COMPANY MULTIPLE TIMES, THIS ACCOUNT IS INACCURATE AND COULD NOT BE VERIFIED, THEY STILL HAVE NOT REMOVED XXXX XXXX  XXXX AFTER MULTIPLE CALLS AND THEM SAYING IT COULDNT BE VERIFIED & THE ORIGINAL CREDITOR REMOVED THE INACCURATE INFORMATION WITH THE OTHER COMPANIES I AM NOT SURE WHY THIS COMPANY STILL HAS INACCURATE INFORMATION SHOWING UP ON 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 non-monetary relief
Consumer complaint received 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I 've called XXXX XXXX company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX XXXX. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}

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 2017-11-06
Company: Diversified Consultants, Inc.
State: PA
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 disputed this debt with all the credit bureaus as well as multiple direct disputes to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my family members to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: JPMORGAN CHASE & CO.
State: NY
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/2020 I've initiated a return with XXXX for an XXXX XXXX XXXX  XXXX XXXX. I've requested a return within the XXXX return policy and followed the required steps ( see pictures attached XXXX XXXX provided me with a repaired XXXX  return shipping label with a tracking number XXXX XXXX XXXX and it was successfully delivered as of XX/XX/2020. Later on XX/XX/2020 I've received an email from XXXX  that I should expect a refund issued, however I haven't received it. Kindly proceed with a dispute and please, consider all supporting documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company AFNI A clause in the original signed contract that authorizes you to collect on this debt. 

ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation