BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: AZ
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:
XXXX, Equiax, and XXXX have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX on XX/XX/2021. XXXX XXXX XXXX are debt collectors attempting to collect a debt on behalf of Capital One Bank ( USA ) NA. I have not received any goods or services from XXXX XXXX XXXX and I do not know how they received my personal information. 
XXXX XXXX XXXX do not have a permissible purpose to contact me at all in regards to anything. I am not a party to whatever agreement they have with Capital One Bank ( USA ) NA. I did not agree to pay XXXX XXXX XXXX or Capital One Bank ( USA ) NA any fees for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
Experain Information Solutions , Inc and XXXX XXXX XXXX XXXX have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the XXXX XXXX XXXX, XXXX wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( Experian and XXXX XXXX ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX  XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.

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 2021-10-25
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivables Performance at XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX has been sending me collection notice in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-10-24
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD Astra Recovery Service, on behalf of " Speedy Cash XXXX '' has had a collection to my credit report for the amount of XXXX. I am not aware of this debt, nor have I received a letter about the debt notifying me of my right to dispute - Nor have I received a debt validation letter. 

I live in the state of Alabama. I am not sure that this creditor is even registered in alabama to collect funds. 

I want this erroneous information removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i called the number on the websit e 3 separ ate time it put me on a line with someone who does n't even sp eak English. H ow can the major credit unoions have customer reps that dont speak very good english and the fisrt thing they ask for is your social security number to start. thanks

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 2017-04-27
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this  XXXX  account on  XXXX   XXXX ,    2017,  of  XXXX .     I have confirmation numbers and account numbers to prove it. Credit bureaus are still saying they are owed, affecting my credi t FICO s core

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  The amount is XXXX I contacted the collection company letting the know that they ae reporting false information to the credit bureau.

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 2021-10-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX and XXXX XXXX, Are claiming I owe {$450.00} for a Cleaning deposit. The apartment flooded because of a broken pipe, because of faulty plumbing, I have attached the pictures showing the damage. This Management has a History of committing Fraud, My Attorney and my local Government have put them under investigation, My attorney is in the process of filing a Legal Complaint against Fair Collections and Out Sourcing, They Have threatened me and call me 12 times a day, and i know this in in violation of the FDCPA. I have phone recording and documentation. that my attorney has, Thanks for listening. And PS, I ended up paying for the repair, Pics attached.

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 2016-07-25
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Franklin Collection Company out of XXXX, MS , has been given a medical account that I do not deny I owe. I 've made several {$100.00} payments on this account to the original debtor. Admittedly, I fell on extremely hard times lately and have not made the {$100.00} payments in several months. The balance is now XXXX. Franklin Collection Company demanded XXXX down and a monthly payment of XXXX. I explained that I can not pay that amount. They then suggested that I pay XXXX installments of XXXX and the XXXX and said this was the best they could do. Otherwise, they would have to forward the account to legal for wage garnishment, etc. I reluctantly agreed to the XXXX down, even though I can not afford that. They sent an e-mail contract for me to sign that still reflected the XXXX down. When I replied to the e-mail that this did not reflect the terms agreed upon by phone, the reply was that the mailbox could not be accessed. So, how was I to send the signed agreement in the first place? From there, they have called my parents home, my job and my cell phone - even though I expressly asked that both my parents number and my work number be removed. I am a single woman, paid once per month and paying out of pocket tuition expenses for completion of my XXXX degree among other expenses. I can not afford the down payment terms. I 've expressed that to no avail. I need some assistance in dealing with this persistent harassment from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Navient Solutions, LLC.
State: IN
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:
Dear Navient, This is not a duplicate do not mark it as such, this is a complaint on your buthering of my credit reports. 
In response to CFPB Complaint XXXX The payment history for the accounts listed in the dispute are not and were not accurate. You word means nothing Navient. Among other things, the CFPB alleges that since at least XX/XX/2010, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Experian Information Solutions Inc.
State: NY
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

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 2017-04-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received an offer to change my Banana Republic store card into a Visa Banana Republic card ( use everywhere ). I accepted the offer but soon noticed that when I went online to pay my bill that the   balance would say {$0.00} and no minimum payment would be showing. I would call and pay the bill express frustration that I am unable to pay online. I have been told repeatedly that the issue is fixed but it has never been fixed. I have been charged  XXXX  {$35.00} late fees by the company for making payment late due to this system issue. I request all fees to be waived and for the system issue to be fixed. I called and spoke to  XXXX  employee number she provided was  XXXX .  XXXX  was not helpful and quite rude. I explained why I was requesting the fees to be waived but she kept reiterating that the payments have been late even after I explained it several times. After I advised that she did not understand and was not listening she began to speak loudly and I disconnected after getting her information and advised that I would submit a complaint. I can not be the only person this is happening to. I was told nothing would change when I switched cards. I have attached a screen shot of me trying to look at my account today so you all can see it shows {$0.00}. I can not force the system to take the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25
Company: AmeriHome Mortgage Company, LLC
State: NJ
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:
To whom it may concern : Amerihome Mortgage - FHA Loan number XXXX XXXX XXXX social security number XXXX I am having a huge issue with AMERIHOME LLC mortgage company, they have been reporting to the Credit Bureau for almost two years even know I am in forberance due to COVID 19. I am trying to get back to make payments but I can not refinance, nor modify loans, my credit score is XXXX. 
I have tried to fix this directly with them throughout this time/numerous times with no luck. Everytime I call they add this information to their system, they have notes on my account but for some reason every month I been reported to the credit bureau. 

If someone can please have a serious talk to this company please. I need help I have XXXX kids can not take out loans for the forberance balance. I can not loose my house due to this issue. 

Regards, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 found out that a large amount of inquiries were reported on my credit report without my written or verbal concern. Here 's the list of all the companies that obtained my credit report or information in an unauthorized manner : 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 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 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 XXXXXXXX REPORTING INNACURATE INFORMATION- *SETTLEMENT LETTER WAS FILED OR SENT TO ALL THREE CREDIT REPORT AGENCIES*

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 2021-10-24
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Uploaded money on my Netspend card ending in XXXX .. card was blocked and they wont allow me to access funds or send me a check in the mail for remaining balance.

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 2021-10-25
Company: STOCKTON MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid for a XXXX XXXX XXXX and it was done on XX/XX/XXXX. I have yet to receive the XXXX report to date. I have called and emailed Stockton Mortgage Corporation and XXXX XXXX  XXXX, to have my PMI removed via this report. I contacted the person who did my report ( XX/XX/XXXX ) and by law, they said they can not give it to me, they gave me the company who hired him, XXXX XXXX. I called XXXX XXXX and the representative says my XXXX was don't but they also are not allowed to give it to me but told me the report was sent and delivered earlier in the month. They wouldn't give me the exact date but said it was delivered after multiple attempts. I found out that my mortgage was sold ( XX/XX/XXXX ) after months of trying to get my PMI removed, started the process in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX 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 an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.

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 2021-10-25
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX On XXXX XXXX  I have seen that my account was fraudulently compromised. I had XXXX  in my account on that date. At a later time I have seen that all my money was stolen out of my account. I contacted my bank Chime to let them know I did not cause this. They assured they will see about this issue. When I put in a dispute and two days later they made a decision to deny my claim to refund me my money. They say that is not an error and that the charges was sufficient. I told them that the location of the charges was two hours away from where I live. I never went that far because I just moved from XXXX XXXX to XXXX XXXX. I made phone calls on numerous days and even spoke to management and no one wanted to help. I even turned in a police report and identify theft report and they still denied my claim to refund me my money that was taken from me. This is so horrible because FDIC is to protect me when my money was stolen and the bank is refusing. How can they investigate this in two days. They dont care and it has caused me a lot of financial burdens because that was my way to pay my bills and feed my children. They brushed me off when I stated this. I tried to resolving this but they wont help. I had to wait to get my identification updated because in XXXX  XXXX  you have to schedule an appointment. So they would not let file a report for a dispute until I showed my new identification. This is so unprofessional because i was not able to file the dispute until XX/XX/XXXX which is when I got my new identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Last 2009 when I was stationed in XXXX for the XXXX XXXX I bought a XXXX through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the Experian, XXXX and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.

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 2015-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am making formal complaint against the all XXXX bureau who continue to report the same items on my credit report that are not accurate and were paid off prior to me closing the accounts. I am receiving collection notices in the mail from collection companies that violating my rights as a citizen and soldier. I writing you today to clear my credit report of these inaccuracies from all three bureaus. I have written all three bureau and they have sent me verification in the that was incorrect to knowledge and the companies that reported to these bureaus. I think I should receive a claim for the mistakes on my credit report. I have sent multiple letters and information attach to each credit report that states that the information was incorrect and should be deleted. I request that all item of inaccuracy be deleted from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief