BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi, this is a complaint i want to do to about all credit reporting agencies. 
But I will use examples from just one ( XXXX  ) since they are the only ones i had the chance to contact because I just physically dont have the time to do that since it takes hours and hours to even get a hold of them. 

So first thing is that with XXXX  i can't even do a dispute online, when i click to do a dispute online I'm told that I can't do it and it doesnt tell me a reason and im told to call in. 
next thing is that it takes forever to call in because I literally had about XXXX minutes of automated phone time because there is no clear choice to pick from and even if you do pick something close to what you need, it takes you to a automated answering part and then hangs up. 

My next and most important complaint is the dispute part. I just not got off the phone with XXXX  XX/XX/2019 and their words to me where " we are just the middle man, and we are not responsible to verify that the information reported to us is accurate '' So what is this all about? I called them to dispute some credit card accounts that are showing up on my name that have high credit usage that are not mine. Also to dispute inquires that are showing up in my name that I have never authorized. 
But instead of help I'm told by Experian that they do no dispute Inquiries and I my self have to contact creditors. 
Also they told me they will not dispute the credit cards accounts that I'm telling them are not mine because they are telling me that Credit card companies are reporting it as my credit cards. I mean what kind of nonsense is that?! 

Its like if I were to go out and ask you for you name and you told me its XXXX XXXX, and then someone comes up to me and says " hey this guys name is also XXXX ''. And I was to believe them over you and then take that information and start telling everyone you are lying about what your actual name is. 

This is ridiculous! Why in the world do credit bureaus have so much power but no accountability. Apparently they can report anything they want. I seems that they just go out into the wold and collect any junk information and just slap it on your credit report. And then, I have to go and fix it because they havent done their due diligence to verify the information. 
Information shouldnt be reported on a credit report until it is first verified with the person that its being reported about. 

How can I complain about all this. These Credit Bureaus need to be held accountable and need to by put on Trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
My vehicle was totaled in  XXXX / XXXX / 2017 , my insurance  XXXX  mailed a check to  Credit Acceptance on   XXXX / XXXX /   2017  and this check was cashed for {$9300.00}. The balance was  XXXX . We were notified by Gap insurance, additional monies was paid on    XXXX   XXXX  2017 , leaving me a balance of {$200.00}, which I paid at that time. Paid in full letter was dated  XXXX  2017  fr om Credit Acceptsnce. My  credit report is showing a balsnce of over  XXXX  and when I filed a dispute with   XXXX   to have my report update d, Cr  edit Acceptsnce stated all information was correctly reported in my report. Plea se hold this company accountable, as they have not reported any payments beyond    XXXX    2017   . This is affecting my score and I am in the process of purchasing a home.

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 2022-07-20
Company: OneMain Finance Corporation
State: GA
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 information was compromised online, & someone used my identity & banking information to open an account online in my name without me noticing until I checked my credit report. The company with the loan in my name thinks its me because my information was stolen which is fraud but they do not care. company called one main financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: VA
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 provided copies of cancelled checks to XXXX XXXX as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested XXXX XXXX remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX XXXX XXXX decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and XXXX XXXX increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX XXXX XXXX reported additional missed payments and XXXX XXXX continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the 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 2022-03-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted my bank ( Chase Bank ) JP Morgan in regards to charges that were being made against my account. This was being done by a 3rd party billing company that was drafting my account to make payment on my student  loan. I paid off my student loan on XX/XX/XXXX in full as since then they have been drafting my account {XXXX} from XX/XX/XXXX till XX/XX/XXXX. I asked for full reversal and credit of these charges and after I was told they would reverse they are not saying they can not as it is over 60 days. I never authorized this charge and I was also not made aware that my Loan was paid off. The third party merchant continued to bill my account even after my loan was already paid off. I was full re-imbursement as I was being billed for something already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital accounts is reporting that I owe {$500.00} for a XXXX XXXX. I had to XXXX the Dr. to find where she works. Found out she was one of the Dr. 's who is on call with XXXX XXXX XXXX. I spoke to XXXX at XXXX XXXX XXXX 's billing department on XXXX XXXX 2017 at XXXX XXXX pacific time. She informed me I do not owe the hospital anything and that nothing was sent out to any collection agencies. I informed her about this account and she stated the insurance covered it. Again informing there is no outstanding balances at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: FISERV INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Someone needs to call me from the corporate offices of Wells Fargo about the staff in your applications department. I have attempted repeatedly to get ahold of them and they have not let me speak to them and I keep getting agents off shore.

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 2022-04-06
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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022, I sent a letter to equifax about items furnished on my credit report without my consent. I am furious as these items are damaging me as a consumer XXXX cant even purchase a house because of it. It has been over 30 days and I have yet to receive a response!!! This is absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Professional Finance Company, Inc.
State: CO
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 XXXX never ran a claim through my insurance. I called multiple times and they said there was a " glitch '' in their system and it never was sent to my insurance company. When they finally did submit the claim it was past the amount of time for them to submit it so my insurance company denied the claim. XXXX XXXX XXXX said that since they did not submit it in the time that was required, that I did not owe the money and they would take it off my account. They took it off in XX/XX/2018 then for some reason sent my account to collections, Professional Finance Company. I explained the situation and they said I need to prove that XXXX XXXX XXXX stated they would remove this. I sent them a letter along with my statements showing that the charge was removed from my bill, this was in 2018. Now they are reporting that my account is delinquent. I contacted them and resubmitted my information but the account is still showing as adverse. 

In the documents below, it show the charge on my XXXX statement, then removed from my XXXX statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
im writing this complaint because ive obtained my credit report and seen the some questionable items on there that are very dangerous and a burden to my consumer report. the unjust and unfairness of the credit bureaus has caused me a great deal of financial stress. please help me resolve this matter as it is a surprise to me that these items are on there when never authorized for my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
Approximately in XX/XX/XXXX I personally reached out to Synchrony Bank via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XX/XX/XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States XXXX after serving for 6 years, and being laid off from my newly acquired civilian job as a result of the Corona Virus pandemic. I was told the representative wasn't able to personally do anything about the situation. I attempted a second time to reach out to Synchrony Bank shortly after for a second opinion. This was due to the fact that even the Federal Government has recognized the severe economic impact COVID has had on our country, pouring trillions of dollars into our economy and enacting legislation that makes it even impossible to be evicted for not being able to pay something as important as your rent on time. However, the response I got was anything but understanding and reasonable use of discretion from Synchrony Bank, stating yet again 'there isn't anything we can do '. I genuinely believe that a reasonable person would agree that Synchrony Bank is acting unreasonably in regard to my situation.

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 2017-06-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In  XXXX  of  XXXX , I applied for  IBR. I w as approved for $   XXXX   monthly installments. I was told my past payment history would be ma rked PTD  and the " late payments '' would be removed. They were not.  <P/> In  XXXX  of  XXXX  renewed this option. They denied the application and i called  XXXX   XXXX  and  XXXX   XXXX  of  XXXX  to try to fix this. They forced me to claim 2 months of forbearance for their clerical error.  <P/> On  XX/XX/XXXX  I was suppose to begin making payments of {$35.00}, when I called that same day was forced to take another month of forbearance due to continued errors on their part. Was informed payments would start  XX/XX/XXXX  On  XX/XX/XXXX  I called again for info, according to them my payments were {$94.00} and they lost the signature page. Was then placed on a 60 day administrative hold to reapply  Reapplied for IBR   XX/XX/XXXX  Received bill  XX/XX/XXXX  saying i owe  XXXX  a month received another statement  XX/XX/XXXX saying I owed  XXXX  a month Called  XX/XX/XXXX  and explained all confusion and they rushed the  XX/XX/XXXX  application after trying to force me to again to take forbearance.  <P/> Reapplied f or IBR   XX/XX/XXXX  received notice that the application wasnt approved after they again lost documentation i sent in ( signature page and  XXXX  ). Called and attempted to resolve XX/XX/XXXX  with no resolution.  <P/> They tried to move my monthly payment up from  XX/XX/XXXX  to  XX/XX/XXXX . Called to see if they had finally fixed this  XX/XX/XXXX , and they finally had it all fixed correctly.  <P/> I have document to prove this, just can not attach them from my phone. I am willing to be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, My name is XXXX XXXX I have been trying to reach out to US BANK HOME MTG concerning my account I had refinanced a while back. In which they have added a late payment to my mortgage in which was never late there was refinance, payment issue going on in which they marked late payments on my credit report in which ultimately is severely hurting my credit. I have reached out to this company in which for a few months to no avail in which they haven't reached back out. I am asking the CFPB help with this issue to get this fixed, please see the attached documentation down below.

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 2020-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX went to withdraw money the manager said they closed my account and that a check of $ XXXX was mailed to me and that it could take 10 business days. XX/XX/XXXX they said they mailed it on the XXXX XXXX XXXX. I've called and called and still no check. This is money from my husband 's life insurance policy. I have no means of income. No money no food.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill from NRA Group LLC on XX/XX/XXXX that states " this is an attempt to collect a debt, '' on behalf of XXXX XXXX, which is a pharmacy concern. No identifying information regarding the product purchased is included in the letter, which contains only a reference number, but fails in its duty to disclose the date of purchase, type of purchase, and date of prior statements. 

I never received an invoice for anything from XXXX XXXX. All I received was a threatening bill that amounts to extortion. When I called NRA Group, as their letter instucts, I was told they could give me no information but referred me to XXXX  XXXX  for additional information. 

NRA Group failed in its duty to disclose the basis for the debt. They threaten collections action without providing any pertinent information. While I am told in the letter I can dispute the bill, no information in the letter allows me to identify what it is I am disputing, and calls to them to do so resulted in staff refusing to provide information that would have allowed me to dispute, or even understand, the charge. 

The actions of NRA Group are arbitrary and capricious, and constitute illegal racketeering, insofar as no information was provided either initially or when requested that would allow a reasonable consumer to understand the nature of the financial charges alleged.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The  XXXX   XXXX , Management company for  XXXX   XXXX   XXXX   XXXX , refuse to change or eliminate the amount they state is owed to them for cleaning damages to an apartment I rented from them for a year. I have videos of how I left the apartment ( which was fully cleaned which I submitted to them ). I also disputed the case with the current ap artment manager, who stated a different total owed, and that she only had record of a custodial che ck list submitted on the apartment.  <P/> The presence of this on my credit report is extremely damaging, especially with the company having no proof that I left the apartment in the condition they stated, of which I have dated videos to prove otherwise.  <P/> Dates rented t  he apartment is on the attached documents.
Total reported to t  he credit bureaus : {$2500.0  0} Total amount reported on letter submitted to myself and other property in apartment network : {$1600.00} No Rent Due ( as attached ).
<P/>  This is a huge difference. Not to mention, that although this was stated on their management report to my new apartment management, they did not reduce the amount on my credit report.  <P/> This is extremely damaging to my credit report, and is likely to come up every time I seek to rent another apartment.

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 2017-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Contacted the credit bureau the beginning of   XX/XX/2016    . I have disputed this account every month until now. They stated that it was varied account was mine but I have submitted in proof that I owe no such company. I also attempted to reach out to the original creditor and they still have sent valid proof of owing account. The information they sent me was a document stating a different company names. On my credit report it is listed as the original creditor being  XXXX . The document they sent with no signature states the original creditor being   XXXX   XXXX   XXXX  . My name is also spelled incorrect on the document.

Company response to consumer: Closed with explanation