BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed various occasions with EquifaxXXXX to protect my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and permanently remove and Delete all collections and unauthorized hard inquiries and inquiries from my credit file. 
Equifax and all credit reporting agencies has allow collections companies and attorneys Law Firms and creditors do whatever they want. 
There is a " Fraud Alert " on my credit reports with Equifax XXXX that l requested to be removed and Delete Permanently but credit reporting agencies has n't remove or delete from my credit files. 
Equifax XXXX can not implement and allow collections companies and attorneys Law Firms to report any collections and delinquencies and inquiries and unauthorized hard inquiries and inquiries on my credit reports. 
I am XXXX and Retired and protected under Federal mandated XXXX XXXX XXXX 
Also with respect and request that Equifax XXXX to implement on my credit reports that l retired XXXX on XXXX XXXX XXXX XXXX XXXX to update my credit. 
My credit scores are suffering in the XXXX scores mark because of Equifax XXXX allowing collections companies and attorneys Law Firms do whatever they want with my credit. 
I am a XXXX Military Veteran. 
This is a urgent matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my credit card off last year. XXXX XXXX is still reporting that I have a balance on the account. This information is incorrect, it also shows that I was late numerous months. I have disputed this several times with all XXXX bureaus and they refuse to remove it. It shows that I have a balance of {$290.00} as of XXXX/XXXX/XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Professional Finance Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional finance.com keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX. 
When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I sent in information to show I got married AND changed my first name to you and XXXX. You both sent me back something and needed more information and I mailed that back weeks ago. XXXX has my correct name now. You do not. Please get this changed so I can apply for a credit card with my legal name on it and get approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in America navigate the website for me while I was skyping him and we could n't get through the security questions for XXXX and Equifax. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from XXXX and Equifax , this is the SECOND time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a volunteer so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/21 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: The Phoenix Recovery Group
State: KY
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:
Phoenix recovery group continues to report inaccurate information on my credit report. They say account number XXXX with them owes {$5600.00}. 
They have never provided a debt validation as requested. They just reply back to credit bureaus and say its correct. Its not. I have no recollection of the debt, have never been sent anything in to mail about it, never been called. Etc. In fact, when I called them, they couldnt talk to me because I couldnt verify the personal information in their system, meaning its not me. Bottom line is its not mine and they have never validated the debt. Therefore in accordance with the Fair Credit Reporting Act, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: KEYCORP
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am a co-signer on a loan with XXXX which is serviced by Great Lakes. I was contacted by XXXX as the primary borrower is 140 days past due with payments. I requested an accounting in writing from XXXX XXXX XXXX and was informed that they do not provide statements of debt. I called Great Lakes to confirm the financial information regarding the amount past due that I was given by XXXX XXXX XXXX. They told me the past due dollar amount. I requested a statement of the debt owing from Great Lakes and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that XXXX XXXX XXXX and Great Lakes gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I currently have a XXXX mortgage on my primary residence located in XXXX Ga. my current loan servicer is Ditech. I have been contacted both by phone and overnight priority written correspondence that my loan is eligible for the Presidents HARP refinance package as my loan has been current for the past 3 years but with some late fees on it. I went over this several times with various loan officers from both Ditech and the previous servicer which was Greentree Servicing. I was told that I am not eligible due to credit issues which arose during an illness that began over 2 years ago and I am still dealing with today. My understanding is that with the Presidents latest package is that there are no income or credit requirements and no appraisal is needed. I do have some credit issues but I do not have the cash necessary to pay these off as I have excessive medical expenses at the present time. I do not understand why I would not be eligible for assistance under President Obama ; s plan since I apparently meet all the criteria. any assistance that your office can provide would be appreciated. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are 2 issues with this debt and PDQ Company 's collection efforts. PDQ 's response does not address the issue of the initial date of collection which should be the date listed on the credit report. PDQ sent a letter of collection on XXXX XXXX, XXXX. This is written and documented on their letterhead whereby they reference this exact date. PDQ is not following the federal fair debt collection laws. PDQ is showing the date of initial collection as XXXX XXXX. This is completely inaccurate and unfair collection and reporting. PDQ 's initial letter was dated XXXX XXXX. Again, PDG is violating fair collection practices by reporting an inaccurate date. By doing this, PDQ is allowing almost 2 additional years of reporting as a collection account on my credit report. PDQ has not addressed this in any of its previous responses. Again, the proof, which is the actual letter written by PDQ, is attached to this email. The collection letter sent by PDQ which states the initial contact was XXXX XXXX. This means the debt should be removed from the credit report sooner. I do not confirm this debt. I do not want PDQ to list the debt as disputed. This is not the answer I am seeking. This debt is beyond the statute of limitations. I seek resolution where PDQ corrects the date of initial collection so that my credit report is accurate. PDQ is using unfair and inaccurate reporting tactics to allow for additional and illegal time to collect. I will file another separate complaint against PDQ since the Company can not address both issues simultaneously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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: Information belongs to someone else

Complaint:
checking on my credit profile I've noticed a lot of unauthorized invalid information on my transunion credit report. I am interested in disputing all incorrect information to help fix my file.

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 2019-12-05
Company: JPMORGAN CHASE & CO.
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
Team, Merchant XXXX XXXX had debited my credit card with amounts {$500.00} and {$420.00} on XX/XX/2019 and XX/XX/2019 subsequently as damage costs to the rental car which was not done by me.The amounts were deducted without any permission or authentication from me and when i had arranged a meeting with merchant to discuss on this dispute the merchant didnt showed up nor did any communication on call. 
Later when i questioned the merchant about the policy of submitting the pictures of the car where damage happened within 24hrs, initially merchant denied it and later emailed saying yes it can be submitted. 
i have attached the detail conversation of emails in this complaint. 

i had also disputed these transactions on my chase bank credit card but later after a month it was re billed to my card for which i wrote to bank for initiating the dispute. 

please forward these details to chase bank credit card department and merchant XXXX  to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello. In assisting a client with loss mitigation procedure, Ditech ( formerly Greentree ) servicing is refusing to acknowledge a recorded quit claim and letter of explanation and is demanding that the client get divorced. The divorce is an issue because the wife does not want to share her retirement savings. She has left the property and signed a quit claim. Her income no longer is utilized for the purpose of household debt. I believe this is an extravagant request considering that XXXX XXXX is attempting to get his affairs back in order after the breakdown of his marriage. I thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CAVALRY INVESTMENTS, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calvary portfolio keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: SECURITY FINANCE CORP
State: ID
Product: Payday loan
Issue: Can't contact lender

Complaint:
I got a payday loan with Continetal loans in XXXX Idaho, I missed my first payment due to being let go from work unexpectedly, I tried working with their manager on the issue but she kept refusing less than my payment amount. She then started calling me three or four times a day leaving only one message. Now they have come to my house twice to try and collect the funds out of the office? I offered XXXX dollars and told her i would meet her at the office she said no i have to have at least one payment of XXXX. I couldnt afford this, there is two times she refused my payment. Third time i tried getting on a hardship program was told i could pay XXXX if i came down that day and signed paperwork i wouldnt be due till next month, i go down and get the paperwork all drawn up mind you she is out of the office im dealing with another employee, she says she needs a payment before they can approve my hardship program. They continue to call me and harrass me everyday threating to take me to court. This has been 4 months of XXXX. Now i have to fear these people bullying me at my home? is this even legal? I chose cant contact lender because its the manager i have been dealing with so i have noone to call to report her.

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 2016-04-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage started at {$150000.00} with XXXX, I put down XXXX % and thought I had a decent mortgage. After XXXX went out of business, it was sold to an investor. The servicer became XXXX XXXX XXXX, I attempted a modification while being serviced by XXXX XXXX XXXX and my mortgage went to {$180000.00}, however my interest rate was 10 % with a balloon payment. My mortgage was transferred to Select Portfolio, where I was given a remodification, which brough my mortgage up to {$180000.00}. My new interest is 9 %, but after calculation, over 10 years, I have paid over {$200000.00}, my new mortgae after modification, has no pay down, I am patying interest to infinity with a baloon payment of {$180000.00} + that can come due at any time. I have tried to apply for another mortgage but because this is not FHA, I have had no success. I would like to stay in this home and have done everything I could to pay my mortgage, but this is a worst case of predatory lending, and I see no end in sight. No one can tell me what type of mortgage this is, and my questions go unanswered. I just want a regular mortgage with a moderate interest rate and a payoff date. Please help, Please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nordstrom TD Bank keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My father always submits a money order of $ XXXX to Discover credit card company via mail. 
With a GOOD credit score and no late payments, my father has not had any issues except on XX/XX/2022 at XXXX, Discover sent a message acknowledging of payment received. 

XX/XX/2022, my father 's card did not work, so he called and found out that Discover received the payment BUT, since the last 4 digits of the money order did not match with XXXX, ( which is a bank that XXXX check cashing services is contracted under ), deemed it unauthorized, Discover shredded and dismantled the check without giving any knowledge in writing to my father whatsoever. 

My father called numerous times, spoke with 4 customer service agents, 2 billing agents, 2 supervisors, 1 personnel had an answer to why the LAST 4 DIGITS of the money order was considered to be UNAUTHORIZED by XXXX, which resulted in shredding/dismantling the money order. 
This contradicts because on my father 's Discover account, the records show Discover receiving payment on XXXX XX/XX/2022 XXXX. 

Since the money order account with PLS check cashing place is in an " open '' status, Discover was supposed to send an email and mail explaining why they have shredded and dismantled the money order check. 

This is negligence on Discover 's end because they received payment, posted payment, but since last 4 digits of the money order was considered unautnorized they dismantled the money order? 2 supervisors also noted that my father has never been late on payments. 

None of the supervisors can figure out why the money order was shredded nor was there any proof in writing submitted to my father, so he may be able to take the proof, close the current money order " open '' status and create another money order to be sent out to Discover. 

At this time, nobody has a direct answer or resolution to fix this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I made an online purchase for concert tickets which I never received. I am unable to contact the vendor and was also charged over {$900.00} to my account when the purchase price was just under {$400.00}. When I disputed the charge Capitol One entered the dispute as a cancellation. I did not cancel, the merchandise was never received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: United Revenue Corporation
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United revenue keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.

Company response to consumer: Closed with explanation