BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: ONLINE Information Services, Inc.
State: AP
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On approximately XX/XX/XXXX I responded to a claim for received medical care XX/XX/XXXX. I informed Online Information Services in writing that the claim was fraudulently made because I was attending Technical Training for the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I have continuously provided certified documentation only to have them say that it wasn't good enough. I've completed the companies fraud application, provided proof of military service, bank records to show that I was not residing in AZ during the period of service, copy of passport and state ID. I hold a XXXX XXXX XXXX and I am concerned that this companies failure to communicate will put my career in jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection on my credit report from National Credit Adjusters for the amount of {$640.00}. I have not taken out a loan nor so I know who this company is. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and have not been associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC. 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. 
LVNV FUNDING LLC XXXX Balance {$580.00} LVNV FUNDING LLC XXXX Balance {$600.00} LVNV FUNDING LLC XXXX Balance {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
1. OnXX/XX/XXXX, BANK OF AMERICA add a hard inquiry on my credit report per XXXX.

2. On XX/XX/XXXX, BANK OF AMERICA add a hard inquiry on my credit report per XXXX.

3. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and 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 2017-08-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit systems has been reporting an account I have been trying to resolve with them for 2 years now as a rental collection. I have disputed on several occasions that this is not my debt and I have no knowledge of this debt and requested more than 8 debt validations and still no response but continues to report on my XXXX credit report as verified and valid although this has never been verified and no validation has ever been sent to me. This is a direct violation of my rights as a consumer and can be fined and fee 'd for such violations. National credit systems is reporting a debt in the amount of {$1100.00} for an account number of XXXX. I want this off of my credit immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table XXXX my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to XXXX XXXX and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX, XXXX and Transunion is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs 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 2022-07-19
Company: Bliksum, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I call the number, and all numbers associated with this account and try to talk to someone, but my number is blocked. I never tried to contact them for any reason, till now. Loan Me company has been debting my account for seven years, its till leasted on my account as a charge off, but they have still been debting my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
After holding a secured credit card with Capital One since XX/XX/XXXX 2015, in which I deposited a total of {$3000.00}, I applied for a new account with the bank. After initially being denied for " security reasons '' ( they indicated they were unable to verify my identity, even though I had been a credit card customer for over two years, as well as a checking account customer ). Initially I was given a credit limit of {$500.00}, and after making prompt ( often, multiple ) payments every month and carrying no balance for six months, the bank finally increased my credit line by {$250.00}, to a total of {$750.00}. The bank refuses to acknowledge that I had spent, using the recently closed " secured '' credit card, more than {$65000.00} ( of which I earned no benefit, such as rewards or cash back ) without ever carrying a balance or being late. Requests to have my credit reviewed and an increase made are summarily dismissed, with a reason given that it is " too soon '' to request another increase, and no matter who I speak to at the bank, the standard response is that there is no means to have my account reviewed.
Additionally, I have been waiting more than three months for a refund of the secured funds deposited in 2015, to which the initial call ( nearly a month ago ) indicated a check had been sent and then returned by the postal service. After an additional four calls, each roughly one week apart, the bank has yet to provide an answer as to when the funds will be returned, nor have I received a check or credit, even though I have a Capital One checking account ( which I will soon be closing, as this bank clearly is not interested in my business ).
After making the mistake of recommending my father also use Capital One last year, for his business credit card needs, he was " rewarded '' with a {$2000.00} limit when his monthly spend ( also paid in full every statement ) averages {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX, XXXX, XXXX, XXXX XXXX, and XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: TN
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:
FIRST OF ALL I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT. ACCOUNT NUMBER IS XXXX YOU HAVE VIOLATED MY RIGHTS BY PROVIDING INFORMATION THAT IS UNTRUE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Flagstar Bank, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been XXXX for the past 5 years, I opened my Flagstar checking account online and was able to manage it throu online banking, I used the Flagstar bank account to pay off my credit card. However on XXXX XXXX 2018 I made a payment which didnt go throu, I called Flagstar and asked  why they said they will process it again. And that was the last time I had access to my account. Apparently the phone payment overdrew my account and they closed it so I had no access to it online anymore. I received zero emails. I have been offered a XXXX credit card limit and dont use it. However I arrived in the states a month ago and I was checking my credit score to see that its 100 points down due to a collection of XXXX dollars from Flagstar. I called them they asked me to call the collection agency which I did and I disputed it so they told me to call Flagstar from now on. I did contact Flagstar, the first representative hang up the line, the second one was a banker so decided this matter is only resolvable from the credit card department which didnt. She even blamed me for not reporting a valid address and said they have mailed me letters. My communication was set to electronic, they arent allowed to contact me via mail. Secondly, they processed the payment and apparently both payments went throu therefore they overdrew the account. Thirdly, they have zero communication between their departments otherwise someone should have mentioned the overdraft fee or at least was able to resolve my matter. I am a victim of their system. I offered to settle the amount if they remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased some dresses pants shirts from a company unbeknownst to me is known for fraud. They false advertised and they dont follow the measurements you send them. That they require. 

They sent items to me that i didn't order. That were completely different from their advertisement. I contacted discover they told me to upload documents. Their website never works for XXXX XXXX I called them they said use XXXX. I then talk to a customer service rep XXXX In ohio and she said its nothing they can do for me. Even though Discover website never works according to a technical rep stating that. And I received items that i didn't order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A fraudster went into two different branches, one in XXXX IL and one in XXXX  and withdrew out {$2500.00} from my account and then {$3500.00} from my account at a physical location on XX/XX/XXXX.  I realized the {$6000.00} was taken from my account and filed a claim with Chase on Saturday the XX/XX/XXXX. I understand the 30 days it may take to rectify but provisional credit should be provided and wont be. When speaking to the personal banker in a branch location in XXXX on XX/XX/XXXX, I spoke to XXXX XXXX, he said Provisional credit would be provided within 1-3 days. I called today XX/XX/XXXX and was told no provisional credit will or can be given, even though my claim has been approved but its still under review. How can it be approved without a review? This has caused me a significant financial harm as I have a mortgage, and other bills to pay for along with taking care of my family. Chase does n't care about this situation this put me in as it basically cleaned my account out. This was solely an issue with Chase as they allowed two fraudulent transactions occur at their branch. My wife had her wallet stolen with her ID in it ( no account numbers were in there ) back on XX/XX/XXXX. We called Chase and informed them of the theft, yet no notes were placed of the theft on their teller profile. The fraudsters could n't have had the account number and would have needed to be provided by the teller when the fraudster went into the branch/drive thru. I called today ( XX/XX/XXXX ) and was told by an escalated claim rep- XXXX XXXX  around XXXX XXXX CST ) that provisional credit can not be given in this circumstance and I would have to wait up to the 30 days even though the level of financial harm this has put on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60-90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-09-01
Company: EQUIFAX, INC.
State: WA
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:
Sometime ago, approximately XXXX XXXX, I called and requested that they update my educational loan that had been paid off around XXXX. Next thing I know, my Equifax score dropped XXXX points. I have tried to dispute this but I get a runa round about having to file a dispute with the account but it appears the account was simply deleted and my " Age of Credit History '' has been shortened causing a huge ding to my score. On top of that, they have negative reports on an account that I do n't have the history of credit for which hurts me even further. 

I have worked very hard to get my scores back up from being financially challenged a decade ago. Equifax is the only one that is lower than XXXX and they do n't seem to want to help or since the item was deleted, they XXXX not be able to help? I am so furious that I ca n't think straight anymore about this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Lender, Financial Freedom, loan XXXX, took the liberty of depositing a check XX/XX/2016 into their account payable to Financial Freedom and Estate of XXXX XXXX, without my signature of her court appointed personal representative in the amount of {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
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:
I have sent dispute letter after dispute letter with Equifax regarding XXXX XXXX reporting of a paid closed account and I admit it was a paid repo however they as in Equifax has been reporting that the payment history this whole time was good and according to XXXX XXXX between XX/XX/2019 and XX/XX/2019 this account was removed from my credit report and yet it is still reporting which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been paying my credit card for 4 years straight, I'd received 2 90days late on my credit report ( XXXX, XXXX, XXXX of XXXX & XXXX, XXXX, XX/XX/XXXX XXXX. I never missed any payments and it shows I have missed these payments.This reporting is hurting my credit score tremendously and is putting me through financial stress. I've contacted the company via phone and no action steps were taken to remove this incorrect information from my credit report. It hurts my name, it hurts me mentally and financially to know that I've been paying my card every month on time and my credit report is now damaged dramatically due to these two incorrect payment incidents. These late payments does not show my true ability to handle credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
After calling several offices regarding the charge-off of a 13 year old loan. XXXX XXXX has handed the collection attempts to Weltman, Wheinberg, & Reis LLP and which they sent to their partner law office XXXX XXXX XXXX. I have never heard or seen a letter from XXXX XXXX XXXX in regards to this time-barred loan. Weltman, Wheinberg, & Reis law office hasn't contacted me in years regarding the Loan. I recieved a call from XXXX XXXX  official on XX/XX/30 which was threatening and she did not mention that other Law offices had the loan. I contacted Weltman Etc. on XXXX and they passed it off to XXXX XXXX XXXX in which are the ones to file to sue against me. XXXX stated they were more local. This situation is very manipulative and unethical way to sue a me without prior knowledge. Weltman refused to give any information and I am not able to reach the XXXX group.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name listed is correct, however, the AKA or Previously known as, is INCORRECT, It states a name of XXXX XXXX XXXX of which I have never used or known by. 

Shows my current employer as XXXX XXXX Mortgage. I have not been there in several years. I worked at XXXX from XX/XX/XXXX until XX/XX/XXXX as sales representative. Current employer is XXXX XXXX XXXX, XXXX began in XX/XX/XXXX to current as a 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 2020-02-03
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My mother and I have received numerous phone calls from Lincoln automotive services on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX. The calls are related to my past due amount on my car note. I recently lost my job about 3 months ago and I explained that to the debt collector and that I can only make payments as I can. My auto payment is XXXX per month and I advised the debt collector that I can not make that payment since I lost my job. They still continue to threaten me with repossession and they advised me that I should ask my church for donations or ask a friend for help. I am a mother of XXXX children and I do not ask for handouts. I am trying my hardest to secure another job so I can catch up on my payments. However, these constant phone calls are making me very stressed and the lack of understanding for my situation from the organization is harassment. I feel like something should be done about this.

Company response to consumer: Closed with explanation