BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: DC
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:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: MA
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 disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX XXXX, XXXX DATE XX/XX/2021 CREDITOR : XXXX XXXX XXXX, XXXX DATE XX/XX/2021

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 2021-12-13
Company: U.S. BANCORP
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Misaddress My Us Bank XXXX! On XXXX I Had Discovered My Card Did Not Come In A Timely Manner There Was Over XXXX Dollars Or More Took Out Of The Account ...!! I Had To Get A New Card Sent To My Home Address ... There Were Reports Written Out By The XXXX Police Department As Well As To The Company Was Informed As Well And Did Nothing About The Miscellaneous Transaction ...! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Is My New Number And The Number Associated With The Account was 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 2017-04-14
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2017, I had made a mortgage loan payment to Guild online in the amount of {$1400.00}. And I always pay online to avoid the phone payment fee. I received email confirmation when it was submitted and processed and when it is posted as usual. A few days later, I checked my bank account, and discovered there was another loan payment made by phone to guild mortgage, but the amount was XXXX ... after talking to my husband, he and I both know neither of us made this payment on XX/XX/XXXX by phone. I called Guild and they said it was a phone payment but could not or would not tell me who called to make payment or what phone number called in pmt. They were quick to tell me they would refund the XXXX and that I just needed to send email to XXXXXXXXXXXX. so, I did and sent proof where is showed unauthorized payment on my bank statement. Now today, they sent me an email stating the below : From : Customer Service XXXXXXXXXXXX Date : XX/XX/2017 XXXX ( GMT-XXXX ) To : XXXX ; XXXXXXXXXXXX Subject : Re : Loan no. XXXX - refund for duplicate payment not authorized by customer on XX/XX/2017 XXXX morning, A refund has been submitted for {$1400.00} for the duplicate payment that was made. Once the refund has been processed, the check will be sent XXXX O/N to the property address ( probably be sent out on Monday XX/XX/XXXX ). The overdraft fees will not be reimbursed as both payments were made by someone who had access to your personal Guild Mortgage account information. This is not an error by Guild Mortgage Company. Please call Customer Service at the number below if you have any additional questions or concerns. Thank you! 


Sincerely, CustomerService Guild Mortgage Company Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.guildmortgage.com Company XXXX # XXXX Equal Housing On Thu, XX/XX/2017 at XXXX, XXXXXXXXXXXX wrote : Please refund the loan payment not authorized by customer made on XX/XX/2017. See attached bank statement showing duplicate pmt. Only authorized pmt was made on XX/XX/2017 in the amount of XXXX made online .... would like to know who tried making payment on XX/XX/2017. Also would like to be reimbursed for bank overdraft charges in the amount of {$100.00} since this was error on Guild mortgage part. 

Thank you, XXXX XXXX XXXX I do n't feel this matter is being handled in the proper manner and I would still like to know who called in payment and what number they called from. This is very serious and has handicapped my family in more ways than one. I need answers. This seems like fraud to me as well as my bank, XXXX. 

Thank you for your help. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX I was contacted by Agency of Credit Control Inc in XXXX, CO stating that I had an outstanding medical debt from XX/XX/XXXX. At that time I told them that I believed the debt to be invalid and requested a writing notice of the debt so that I could check it against my records. I was never sent a validation notice nor a notice of right to dispute, though I continued to request this every single time I spoke with them on the phone over the last four months. 
Since it has been four months and i still have not received a validation notice nor a written notice of right to dispute, I have since contacted my doctor, who also stated they believe the debt to be invalid, and they are researching to provide me with documentation to that fact. I called Agency of Credit Control Inc with this information and they refused to listen ( I also asked for the documentation again and still have not received it ). 
Today, I received a call from one of their employees saying he was at my place of employment to talk to me. I told them ( again, as I had on a previous phone call ) that they are not allowed to contact me at work. I also just received notice from my roommate ( as I am currently out of town ) that this collections company sent someone to my home. 
Also, they have lied and said they did send the notices and/or did not have accurate contact information. I know this to be false as they have now today sent someone physically to my home. This is evidence that they do have my mailing address and there is absolutely no excuse for Agency of Credit Control Inc not to have sent a written validation notice of the debt or a notice of right to dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: AES/PHEAA
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A representative from American Education Services ( AES ) contacted me regarding terms of my student loan, During the conversation he asked if i wanted to have him set up auto pay. I said yes. He set up wrong amount by about 5 dollars a month. I wrongly trusted AES employee acted correctly. Unbeknownst to me though I was paying every month, on time, but not the full amount ; In turn they reported it every month to the Credit Bureaus as late continuing up to 180 days late every month! 
This went on for quite a while because their correspondence seemed like attempts or options for me to pay increased amount on principal. Eventually, when I checked my credit report I noticed many the derogatory charges. I contacted AES, explained the situation and corrected their mistake. I took ALL steps to reimburse them fairly. Currently I am paying more than required amount. However ... ... 
When I asked them to amend my credit report they said they do NOT do complimentary credit report changes. Period. I acted in good faith and remain in good standing with my loan terms. I do not believe they did. 
******This is affecting my ability to buy a house*******. What other recourse do I have? 
I am a XXXX and Military XXXX as well. This kind of company practice should not be put on us who have done everything we can to protect and serve our country and its citizens. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Conserve- DEBT NOT MINE- IDENTITY THEFT. I have made multiple attempts to fix this. I never utilized any type of credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Experian Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-13
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a debt with XXXX that is showing on my credit report. I had to contact midland funding LLC to settle this debt. I have been paying on this debt since XX/XX/XXXX at XXXX a week. They now will not talk to me or return my calls in regards to this debt. I am trying to clean up my credit report and need this debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Statebridge Company
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Statebridge Company has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: DISCOVER BANK
State: NY
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 do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Discover Financial : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all XXXX credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX, INQUIRY DATE XX/XX/2020 CREDITOR : XXXX XXXX XXXX, INQUIRY DATE XX/XX/2020 CREDITOR : XXXX, INQUIRY DATE 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: National Credit Adjusters, LLC
State: PA
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:
Tried to remove two collections that do not belong to me on my credit report In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 setion602 states I have a right to my privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15B creditor may not treat a payment on a credit card account under an open-end consumer credit pla
n as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I joined a gym on a monthly payment plan. When I put my gym membership on hold, they still continued to charge me. They have refused refund so when i disputed the charges with my CC company they said they would n't cancel the charges because the gym putting the account on hold was done as a favor. This was n't a favor though, since it was in my contract. I 've tried multiple avenues with the gym and with the CC company and do n't know where else to go for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Premium Credit Bureau
State: MA
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 disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR XXXX PREMIUM CREDIT BUREAU, INQUIRY DATE XX/XX/2020 CREDITOR XXXX PREMIUM CREDIT BUREAXXXX INQUIRY DATE XX/XX/2020 CREDITOR XXXX XXXX, INQUIRY DATE XX/XX/2020

Company response to consumer: Closed with explanation