BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
In  XXXX  of    2017, I w as trying to refinance my house. Currently, my student loans through navient are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered m y credit score an d it is affecting me not being able to refinance. The way navient is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told  ), it  is making it look like I am way behind on payments. I do call navient in  XXXX     2017 a nd they said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
i have a fraud alert placed on my Equifax credit file that i have no knowledge about. I disputed the alert with them and was told that my file has no freeze or alert on it when it fact it does. I pulled my credit file today and i attached proof of my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i have faxed proof for payment. on accounts. XXXX account goes back as far as 2011 paid. still showing not paid late. i have documents to mail of fax to you .please help this is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax reinserted previously deleted information on my credit report. The following accounts was previously deleted from my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, MN Child Support Enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX  , and  XX/XX/XXXX  to address this issue. The case number is :   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the inaccuracies of these debt from    XX/XX/XXXX   to the  present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from   XX/XX/XXXX  and t he original debt was disputed with  XXXX   XXXX  as well as the previous collection agency and removed off my credit report. The apparently resold the deb t to Calvary Portfolios LLC wh o re-aged the debt to look as if I recently purchsed the vehic le On  XX/XX/XXXX  whic h is inaccurate and falsified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/21 I cashed a checked from the XXXX XXXX XXXX XXXX, Tx XXXX doing business at XXXX. Check was for {$390.00} and from an account associated with XXXX  XXXX XXXX. During the check cashing process the associate XXXX ( XXXX ) informed me I had an account in within the company, XXXX. I informed her I closed the account. She offered to reopen and proceeded to issue me a new debit card even after I denied it. I informed her to update my information in the system, email from XXXX to XXXX and to update license information. She stated updating license information was unnecessary and did not ask for identification either. Again, I asked her not to reopen the account or issue a debit card and she proceeded to do so. Furthermore, I was charged a fee when I was originally told the fee would be waived. 

The mentioned " XXXX '' also left identifiable information in public view and proceeded to assist another customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All Bureaus XXXX, Equifax, and XXXX have failed twice to investigate my disputes. As you can see from all the documents. It 's been over 260 days since I sent my first dispute letter and a duplicate of it on XXXX/XXXX/2016. This is against my right to dispute my credit. I would like the CFPB to investigate and demand the removal of all issues in question on my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX / XXXX /  XXXX      XXXX   XXXX   to     XXXX   XXXX   I spoke to 2 representatives. One was a regular representative and the other was a supervisor named    XXXX   XXXX  fo r 39 m inutes about the glitc h the Trans-Union had that erased my inquires and they added them back without formal   communications about what had happened. Neither of the representatives helped me and I was told that they would not help 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 2021-12-31
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: Problem with personal statement of dispute

Complaint:
I have written to Equifax, XXXX and XXXX regarding their practices regarding my FICO score calculation on several occasions disputing the decreasing of my FICO score resulting from inquiry requests when I have placed a freeze on my credit file preventing any activity that would impact my FICO score. I was told as long as I have a freeze on my credit file NO ONE would be able to see my report and my FICO score wouldnt be impacted. My FICO score has decreased for the past year without explanation other than inquiry requests that were blocked by my credit file being frozen. Equifax, XXXX and XXXX has either refused to respond with a legal explanation for the decreasing of my FICO score. Equifax, XXXX and XXXX is illegally decreasing my FICO preventing me from becoming a homeowner for 3 years now. I am asking the Consumer Financial Protection Bureau to investigate Equifax, XXXX and XXXX practices of calculating my FICO score. Thank you in advance for all of your assistance regarding this matter. I have attached my credit report reflecting my FICO score for the year of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I HAVE MY HOME MORTGAGE FINANCED WITH XXXX XXXX NON ESCROW ACCOUNT. I WAS PAYING MY TAXES EVERY YEAR PLUS MY HOME INSURANCE. 4 MONTHS AGO I FOUND OUT PHH MORTGAGE BOUGHT OUT MY LOAN. MY MONTHLY PAYMNET WITH XXXX MORTGAGE WAS {$1000.00}. PHH MORTGAGE CHANGED MY PAYMENTS TO {$2200.00} AND ADDED ESCROW WITHOUT INFORMING ME EVEN THE TAXES & HOME INSURANCE BEEN PAID MY ME LAST YEAR, EVEN THIS YEAR. MY LOAN NUMBER IS XXXX. I CALLED PHH MORTGAGE SEVERAL TIMES AND BEEN TALKING TO THEM ALMOST 3 MONTHS NOW BUT NOTHING HAS BEEN FIXED. I NEED SERIOUS HELP. IF NOT FIXED I AM GON NA GO LEGAL WAY AND SUE THEM. ATTACHED IS THE COPY OF TAXES PAID LAST YEAR AND THIS YEAR. 
I AM FILING MY COMPLAINT THIRD TIME ON THIS SITE NOTHING IS RESOLVED YET. PHH ROBBERS CALL ME AND TELL ME A NEW STORY EVERY SIGLE TIME, NOTHING HAS BEEN DONE, STILL NO SOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was instructed by my bank to obtain a fraud alert after my social security number was stolen. I followed the instructions using Equifax. In the mail, on XXXX XXXX or so, I received instructions from Equifax on how to obtain my free credit report pursuant to the fraud alert I had requested. I utilized the online tool provided by Equifax, but the final screen said it could not print my report. When I turned to the automated phone system provided by Equifax, the phone system did not ask for my full mailing address but did manage to extract my social security number. The system did not allow me to order my free report but rather gave me options only for a paid credit report. The automated system had no option for talking to a human being so that I could actually obtain the free report to which I am entitled. Equifax is making lots of money by hiding the ball as to how to obtain the free report to which I am entitled as a victim of fraud. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
In    XXXX     of 2017, I w as trying to refinance my house. Currently, my student loans through  XXXX  are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my  credit score  and it is affecting me not being able to refinance. The way   XXXX   is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told  ), it is   making it look like I am way behind on payments. I do call  XXXX  in   XXXX    2017 and they  said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: CNG HOLDINGS INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On  XX/XX/XXXX , I received a statement from   XXXX   XXXX   XXXX   ( Contract # :  XXXX  ) stating they transferred {$87000.00} to a Chase Account in my name. This transfer was never authorized by me.
I went to a Chase branch in  XXXX , NY, on  XX/XX/XXXX . There I reported this fraud to   XXXX   XXXX  , a chase representative. He told me a Chase account ending in   XXXX    was opened at a different branch by someone claiming to be me. He did so without a social security number and some falsified identification.
Once the money was transferred into the bogus Chase account, it was then wired to a   XXXX   XXXX   account ( which I do not have ).
<P/>
I have also reported the theft to the   XXXX   County police department ( case # : XXXX  ). I spoke with Detective  XXXX , who told me he must have had the wrong number so he could n't contact me.
<P/>
I have contacted   XXXX   XXXX   since then, who told me to contact the Fraud department, which I did on  XX/XX/XXXX . I was told it was in their investigative department. They also asked me to fill out more forms, which I did.
I still have no answer from them on this. Considering I have several Chase Accounts, there was no cross checking done when this bogus account was opened.I was told also the person who opened this account was much younger than someone like myself who was born in  XXXX . I do n't feel that Chase did their due diligence, and I am due a refund of all moneys immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Atlanticus Services Corporation
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Good afternoon, hoping you can get this removed from my credit report, it is saying I have all of these credit cards, and I do n't ... there are serveral removed ... first one names Imagine acc # XXXX paid as agreed, but is now under XXXX, so I want the Imagine off my report, because it no longer exist. also the same company is on my credit report twice with two different account number please remove one of them please remove both account # XXXX, also there is another two I need to please come off my credit report, name of the company is XXXX account number # XXXX. Please I hope you can remove all of these accounts main reason is because it is showing as if I have a lot of card. Please thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXXXXXX XXXX XXXX  and Account # XXXX XXXXXXXX XXXX XXXX, and Account # XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: General Motors Financial Company, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/2016 I submitted a payment in the amount of {$740.00} for pass due payments. My electronic payment was accepted by GM Financial on XXXX XXXX, 2016 at XXXX eastern standard time, referenced with Trace Number XXXX. However, my car was then repossessed on XXXX XXXX, 2016. Due to the nationals holidays in the United States and XXXX I had to place several calls and spoke with several representatives that could not or would not be of assistance, on XXXX XXXX, 2016. I placed several calls on XXXX XXXX, 2016 with the same result. I went as far as obtaining proof of payment from my bank and faxing it to GM Financial via fax number XXXX. However, not until XXXX XXXX, 2016 did I receive a call back from GM Financial. My conversation with GM Financial consisted of them calling my bank for additional proof that my payment would not be returned to the bank. I was then told that in order to receive my vehicle from repossession I would have to pay additional fees which included a {$520.00} repossession fee. I am disputing the repossession fee since GM Financial had my payment for 48 hours prior to issuing repossession. In the last 3 years GM Financial has had XXXX complaints escalated to the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: HANCOCK WHITNEY BANK
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged over XXXX in overdraft fees on items that were not considered " insufficient funds ''. For instance, a debit is presented for payment at the bank and on the same day a deposit is also made. This bank " holds '' the deposit to allow the debit to go through first and then charge me {$35.00} per transaction. This is an ongoing, banking business practice used to fleece unwitting patrons such as myself. This common practice with banks is " business as usual '' to extract additional funds from the consumer and cause extreme financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 received notification on my alerts through   XXXX   that a new credit collection account is appearing on my account at  XXXX ,  XXXX  and Transunion on  XXXX   XXXX ,   XXXX   with  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates  XXXX   XXXX ,   XXXX   which is in the future. Second, I do not have gas service at my present location and have been at my present location  of   XXXX   XXXX   XXXX   for ov er a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on  XXXX   XXXX ,   XXXX   and ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe 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 2017-07-17
Company: Reliant Capital Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX , 2017 -- Reliant Capital Solutions wrote a letter to my address claiming that I owe them {$550.00}. I have not spoken with anyone with this company and this is the only communication that I have had with this company.
<P/>
I wrote a letter for them to validate the debt that they claim I owe. My letter is dated for   XXXX   the  XXXX , 2017. I know that I am well within my 30 pay period to dispute the debt. I have yet to see any form of communication in reference to this debt.
<P/>
Reliant Capital Solutions has already reported this debt to all   XXXX   credit bureaus. According to the FCRA, Reliant Capital Solutions is in violations as they are supposed to respond to my request to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: Receivable Recovery Services, LLC
State: PR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to you to find out how you can help me. This company is reporting an account on my credit report as being in collection, but the account doesnt belong to me. Ive never lived in XXXXIve always lived in XXXX XXXX, yet this account is showing up in my credit history. I contacted the company, and they alleged that the account is mine, even though it isnt. Ive never lived in that state ; Ive always lived in XXXX XXXX. Also, I informed the credit reporting agencies, and XXXX removed the account from my report, but XXXX and XXXX refuse to remove the incorrect information. I hope that you can help me, because I filed another complaint with the FTC. I have included proof that XXXX removed the account from my credit report. But XXXX and XXXX refuse to remove it. I dont know very much Englishif I didnt give the correct answer to the question for the complaint that Im filing, please excuse me, because I dont know English. Im doing what I understand. Thank you. I hope to receive your help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: MA
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:
Another name is listed on my credit report. There is also a  XXXX  account that states it is overdue, but it belongs to this other person on 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