BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I initially discovered a collection/debt reported on my credit report. I contacted the creditor/collection agency listed on the debt line at XXXX separate addresses XXXX 2016 via certified mail and also contacted them via telephone to validate that I am the owner of this debt. They advised they are unable to provide any validation for this debt as it has past the statutes of limitation for their ability to continue collection activity. I advised the collection agency this item has not been validated as my debt and should be removed, to date I have not received any debt validation. I then contacted the XXXX credit agencies : XXXX XXXX, Equifax , and XXXX and advised of my unsuccessful pursuit of debt validation from the creditor and the incorrect item should be removed. I also requested that any debt validation provided by the collection agency be provided to me to show that I am the owner of this debt and its debt dates are being reported correctly. Both XXXX XXXX and XXXX investigated the debt and then deleted the item as the collection agency was unable to validate the debt. However Equifax advised the debt was validated but did not provide any validation or documentation. I believe this investigation was never performed by Equifax nor debt validation provided to Equifax by the collection agency. I can provide all certified letters to all credit agencies and collection agency and proof of removal from XXXX XXXX and XXXX upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX is reporting a XXXX mortgage on my credit. That is not mine. They are trying to validate an outdated loan that is NOT mine as a charge off. Equifax continues to report this account on my credit yet they refuse to show any proof or validation. The have Not corresponded with me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: DIRECMANAGEMENT, INC.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Despite repeated notifications, DirecManagement continues to report that it is collecting a debt that I do not owe. Initially, they reported to debts owed to XXXX XXXX XXXX XXXX, XXXX for {$250.00} and the other for {$41.00}. XXXX these debts were paid directly to XXXX XXXX XXXX XXXX directly some time ago. I have disputed the collection accounts XXXX ; DirecManagement appears to have deleted the {$41.00} collection but verified the {$250.00} collection as valid. I never paid DirecManagement any money nor do I owe them any money. They are continuing to damage my credit for a debt I do not owe. They have failed to respond to any of my letters to them but continue to report negative information on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: PA
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:
XXXX  i submitted and fraud report because I was apart of the Equifax data breach and my identity was stolen there are still reporting items that were apart of the identity thief which is a violation of the ftc Metro 2 Compliance - Standardizes the information reported to all 3 credit bureaus so that furnishers of credit information to bureaus must use the proper formatting in a form that contains charges that list the wrong date or amount ; math errors ; 67 fields. 17a,  which on your credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifcations to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: OneMain Finance Corporation
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hello. 

I have a loan with One Main Financial. I fell into a financial hardship and can not pay the loan right now and told them that. I told them I was working with a debt relief company and they will get their money. For the past 2 weeks, I have been THREATENED through voicemail regarding paying the loan and them taking my LEASED vehicle. This has caused tremendous stress on me and my family. I understand that I would receive calls but I should NEVER BE THREATENED!!!! 

This should not be happening to me and I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 a Debit card transaction for {$120.00} posted to my checking account for a " XXXX XXXX Texas '' transaction. On XXXX XXXX,2020 contacted Chase Bank disputing the charge and a reversal was done pending an investigation, my debit card was cancelled and a new one issued. On XX/XX/2020 a claim reversal was done applying the {$120.00} back into my account. XX/XX/2020 contacted Chase whose explanation is a " chip  '' Visa card was used at the location where the charge took place therefore legitimizing the transaction. I have never, either now or in the past had services rendered from this vendor and I have not loaned my debit card to anyone. I am XXXX  years of age and due to Covid 19 this was a time of " lockdown '' in the city of XXXX Texas therefore both my wife and I were not leaving our home other than for groceries and medicine. I have been a client of Chase Bank for more than 20 years and my balances have been modestly substantial and {$120.00} will not put me in financial stress however I did not authorize the charge and I would like my account credited said amount. 
Chase refuses to do anything because they are unable to get the funds reversed to them from VISA which tells me they could care less about my claim being honest and genuine. So, being the little guy I have to take the loss because Chase Bank and VISA can  substantiate a computerized report without verifying or talking to the vendor. I am very disappointed in the manner Chase Bank has chosen to handle this claim and their refusal to look deeper. Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: WELLS FARGO & COMPANY
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: Public record information inaccurate

Complaint:
Wells Fargo has placed financial assistance on my credit record. Now my credit record is damaged. I have contacted Wells Faro several times and they refuse to remove this from my credit record. I only inquired about Covid-19 financial assistance on my home mortgage. I never used it and never missed a payment. I have since refinanced with another lender.

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 2015-09-15
Company: The CBE Group, Inc.
State: ID
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I continue to receive call from a company called CBE Group XXXX. The have left me voice mails telling me that they will issue a warrant for my arrest if I do n't return there call. They have contacted my family members and told them the same thing. They call my work and when I answer the phone they hang up. This is been going on for over a year now. The debt they are trying to collect on is from 2010 and was discharged in my bankruptcy in 2011. I have voice mails that I have saved on my phone and I have my family to testify to the calls that they have received. I spoke to them a few times and told them that this debt was discharged in bankruptcy but they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Lending Club Corp
State: LA
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:
Lending Club is reporting contradicting information on my credit report. The FCRA says that I have the right to having my information report correctly to my credit reports. They clearly are not reporting things correctly. On my XXXX  report they are reporting that I was 30 days late one time, in XX/XX/XXXX, and after this I have a perfect payment history until XX/XX/XXXX. On my XXXX  report they are showing that I was 30 days past due in XX/XX/XXXX and XX/XX/XXXX. On XXXX  they are also reporting I was 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX. They also supplied negative marks in XX/XX/XXXX and XX/XX/XXXX. They do not even report a payment history to XXXX. I am attaching screen shots of the Lending Club entries on my XXXX, XXXX, and XXXX, along with the entire credit reports. Lending Club has shown an inability to accurately report information to my credit report, and because of this it is well within my rights to demand that the entire Lending Club section on all 3 of my credit reports should be deleted immediately. They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to access of my credit information from Equifax. They say that they have no information on me, even though I'm able to access my XXXX and XXXX accounts and reports. Equifax has told me to send them my personal information ( name, address, driver 's license and social security card ) in order to access my information. I faxed it to them in XXXX of XXXX, and never heard back from them. I mailed it to them again in XXXX of XXXX, and did not hear back. 

The most recent time I called them ( XX/XX/XXXX ), they told me for the first time to get in contact with my creditors, since Equifax says they don't have information from them. I think this is unlikely to be the issue, since both XXXX and XXXX have my credit history from both XXXX and XXXX. I have mailed a letter ( on XX/XX/XXXX ) to XXXX to confirm that they are providing my information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Today XXXX/XXXX/XXXX I recieved a phone call from a Company called Pioneer Corp. Phone # XXXX XXXX XXXX XXXX. The lady was extremely rude! She stated she was collecting for my student loans, this would be from when I attended XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. What is very strange is she said I owe an amount exactly the same amount XXXX is stating I owe them. Also, she said my loans went into default in XX/XX/XXXX. She acted like this was the first time pioneer has called me but it 's not. I 'm very confused on who is the servicer on these loans because I get no documentation, statements or court orders and they know where I am because XXXX is garnishing my wages. I 'm a server I ca n't even get a job in the field I studied for because the XXXX I worked so hard to get employers do n't look at it as quality education. In a prior complaint I stated XXXX garnished my wages in XX/XX/XXXX I was able to get it stopped but on my check it just says garnishment. XXXX XXXX, XXXX they did it again but this time I ca n't get it stopped, now it says garnishment XXXX. I do n't know if these loan are being sold to collection agencies or if XXXX is connected to Pioneer.I made a compliant this weekend and Monday morning Pioneer called instead of XXXX. So who is servicing my loans and where is the money going?? I have no clue and no statements or letters from no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, 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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed a dispute with Trans Union regarding their Public Records section on my consumer credit file. Trans Union was reporting accounts labeled as included in bankruptcy in that section of my report, even though, some of the accounts were not in existence when I filed a Chapter XXXX Bankruptcy in XXXX. A case in point were the Missouri Higher Loan Authority accounts, which were filed with them in XXXX and XXXX. As a result of the dispute Trans Union moved the accounts out of the Public Records section and moved them to the delinquent accounts section. 

As you know I have filed several complaints with your office regarding all three credit reporting bureaus, Trans Union, XXXX  and XXXX. It appears that they have interrupted the Fair Credit Reporting Act differently than it is written. When I inquired of XXXX  how they went about verifying the Chapter XXXX Bankruptcy, they sent a post card where the say they may contact the provider of the information for an investigation, however, the act says that they shall contact. It is sad when the oversight allows the agency to conduct themselves in a manner that is in direct conflict with the Act.

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 2017-03-14
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've been trying to dispute wrong information on my credit report with Equifax and all they keep saying is for me to send them a copy of my driver license and my social security card, that was actually the only time i could get a live person on the line, the other times i tried to contact them the phone would automatically hang up and it wo n't connect me to them, today XXXX/XXXX/17 i tried contacting them and the phone call was redirected into a ads line where all they do is offer me products from their partners, i 'm tired of this process with them i do n't have any issues with any other CRA, i recorder todays call as proof of what i 'm saying is true. i got denied a vehicle loan because my credit came up as XXXX, all other agencies shows my credit number except Equifax, i 'm trying to buy a house and i 'm afraid that if they use Equifax it will also come back as a XXXX because of incorrect information on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my 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 2020-08-14
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX/XXXX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XXXX/XXXX/2020. 

XXXX XXXX XXXX : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: MS
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX  to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Platinum Holdings Group, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
calls constantly leaving voicemails about concerns with my address. they have my address yet send me no communication through mail, I am on the do not call reg but they wont stop

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My client wanted to proceed with a short sale. We went all the way through the process of conducting a short sale, inclusive of appraisals, thousands of pieces of paperwork, and then discovered that there was a pre-existing home equity line of credit on the property which was overlooked by the predecessor to Seterus, the current mortgage holder. As such, the XXXX XXXX home equity line of $ XXXX had to be paid first according to the applicable law, and the rest of the available funds would be disbursed to Seterus. If Seterus was mislead by its title insurance company which insured the transaction, the claim against the title insurer still be an option, but to be considered first in a short sale IS NOT, pursuant to the applicable law. There was a Sheriff 's Sale scheduled in XX/XX/XXXX which I was able to postpone. I do not know the current status of the potential Sheriff 's Sale though I understand that it may be on hold. 

We filed a FORMAL QUALIFIED WRITTEN REQUEST according to the applicable law, received a confirmation of receipt from SETERUS and have not heard since. More than 30 days have gone by, so I called Seterus and was told that there has been no resolution of the issue or even an effort to get back to me within 30 days. The agent at Seterus stated that in his opinion, it is not necessary to get back to the requester in these circumstances, and if it is, the time frame would be 30 business days if there were a time frame at all. I find this to be contrary to very clear applicable law. We have a buyer for the property ready and waiting to purchase at a short sale. XXXX XXXX has likewise approved the short sale with its loan being taken care of first. The law is clear. But SETERUS does not seem to care about the law. 
Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}

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 explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.

Company response to consumer: Closed with non-monetary relief