BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax, and only Equifax, not XXXX and not XXXX filed an collection item on my credit report that ( i ) belonged to someone with the same first name but a different last name, XXXX ii XXXX belonged to someone on a state in which I have never lived and XXXX iii ) did not have a correlating social security number. In addition, they added that person 's name and address to my credit. I received notice of this from a credit monitoring service I use. This item caused my credit score to fall from XXXX to XXXX with Equifax and from XXXX to XXXX with FICO. 

I contacted the creditor, confirmed that they did not provide a social security number to the credit reporting agency and notified them of the error. I also filed a dispute with Equifax and a notice with XXXX and XXXX of the false information Equifax was reporting and the issue. Equifax investigated and removed the false name, address and and item from my credit report. HOWEVER, they failed to restore my credit score to what it had been prior to their error. 

I sent a letter requesting that they restore my credit score. They did not. 

I then called them in an effort to address the issue. This was an extremely frustrating experience in which the agent just stated the same thing over and over and failed to address my issues or concerns. They made me pay and wait two weeks to find out via mail what they restored my score to. I just received the information via mail, which confirmed that they had NOT restored my credit score to the proper number. My credit score should be XXXX, not XXXX as stated on the report I was forced to pay for. 

I think that Equifax operates in a manner that is unethical and, essentially, a racket against consumers in this respect by ( i ) allowing unsupported, unsubstantiated and clearly erroneous negative information to be filed on the incorrect person 's credit report and XXXX ii ) requiring the victim of this to then either pay them for their credit score or pay to join their program in order for the victim to confirm that they have been fully restored and made whole. I would like my credit score restored to what it was prior to Equifax 's erroneous actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
Released tax lien XXXX This tax lien has been released and is from XXXX! It was removed from my file in XXXX and has been reinserted and shows that I owe money. I do NOT owe anything on this. Please remove this from my file. I am including the proof. 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I do n't know why this is reporting as lost or stolen ; please remove this status - I did not lose my card Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX XXXX XXXX ( listed 3 times ) I lost my card one time and it is listed 3 separate times and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I applied for and completed an application for a refinance mortgage with Amerisave on XXXX XXXX, 2020. We paid a {$500.00} application fee on the same day. 
Things were moving along at a slow pace. 
Finally the process was complete and we were told our closing date would be XXXX XXXX, 2020. I contacted our mortgage broker that we were dealing with on XX/XX/2020 to first let him know that the loan disclosure numbers were incorrect and also to inquire how the closing process would work and where it would actually take place. He was very evasive and said he did not have an answer. He said I was going to be contacted by someone from his company to set that up. I was not comfortable with his response and asked to speak to a supervisor and he told me he did not have a number to give me. he then told me he would be off the next day for XXXX and would not be back until Monday XXXX XXXX, 2020. He told me he had alot of clients and I need to be patient. I asked him how he could give me closing date with no details. I then tried to call customer service at amerisave and spoke to girl who told me she would forward my compalint to the correct parties. I then received a call from XXXX at Amerisave on XXXX XXXX2020 at XXXXXXXX XXXX with my corrected loan disclosure. She gave a new closing date of XXXX XXXX, 2020 and would get back to me with the details of closing by XXXX XXXX, 2020. I am now not able to reach my loan officer or XXXX  or anyone at Amerisave. I am very concerned that I have been scammed and they have all my and my husband 's personal information. 
I have all documents and correspondences with Amerisave

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Equitable Acceptance Corp
State: PA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was told that I pay them a certain amount and my student loan would be forgiven, was contacted by XXXX and they stated that, not true never heard of the company and i been paying them sine XX/XX/XXXX, monthly since. And nothing has been paid towards the loan. Also that a student loan is never forgiven, so I been paying them, thinking it would be paid off, tried calling have to leave MSG for someone to call back. The company name is Equitable Acceptance Corporation, XXXX, MN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was not notified of a change in my mortgage amount to increase the escrow balance. I did not receive an answer to my email when I enquired why the on line amount for my mortgage due had changed. I never received any written notification that my mortgage had changed. So because on line info is often slow to correct, I ignored it for XX/XX/XXXX and paid my normal mortgage amount. When my online statement showed an even greater balance due in XX/XX/XXXX, I called the bank, found out the error, and paid the difference owed. They did not inform me at that time that my previous mortgage payment was applied to principle, not credited as a mortgage payment so I remained delinquent even though I paid the amount owed. That was reported to the credit bureau because they do not record partial payments of mortgage payments that are more or less than the exact amount. So for three months, I did not know about the error, and did not correct it until a collection agency called in XX/XX/XXXX to collect my XX/XX/XXXX mortgage payment. I was able to correct it all with the bank but they would not change the report to the credit bureaus because they said it was my error. 

You can see on my banking statements that I paid {$1400.00}. to my mortgage account XXXX in XX/XX/XXXX, and XX/XX/XXXX, then {$70.00} extra in XX/XX/XXXX and the rest of the balance due of {$1600.00} to cover the difference between {$1400.00} and {$1500.00}. the XX/XX/XXXX partial payment went in as reduction in principle and when I paid the extra amount owed, no one told me it did not fulfill my p=mortgage payment for XX/XX/XXXX so that delinquency remained on my account and was reported to the credit bureau. All finance charges were reversed, and XXXX acknowledged never answering my email inquiries or sending me notification of the mortgage payment change. They said it is my responsibility to find out about changes and prevent partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed XXXX with equifax three times, they have a balance on the account of {$170.00} for my old card and {$280.00} for my wifes, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later XXXX put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2022 I was approved by Chase for XXXX XXXX  credit card. I had received the card and gone to a big box retailer on the XXXX to make a large purchase of around {$1600.00}. Chase repeatedly denied the purchase despite falling well within my limit. I called customer service and spend a combined 40 minutes on the phone wile standing in line being passed around to multiple reps each failing to correct the issue. I was told to continue swiping the card and using contactless pay. Each to no avail. My time was being wasted, I was getting embarrassed at the prying eyes. I reached a supervisor who told me the issue should be resolved but it wasn't. I was unable to use my card to make a purchase. I had to use another form of payment and then cancel this card as it was unusable. I am upset about the hard inquiry to my credit dropping it for an unusable card and what I perceive to be an unreasonable wait time to have chase help me. Hence the complaint. I wish for the hard inquiry to cease to exist and hurt my chances of getting another card to replace the malfunct chase card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, 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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX  Violated my rights on XX/XX/2021. 

They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).

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 2016-12-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I do not have any negative information on my credit report. My credit accounts are paid before the due date. My credit score was XXXX but in the past few weeks ALL XXXX report my score as XXXX. I asked them why but they never answered me back. I need to know why this is taking place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: RFNA, LP
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I borrowed {$2000.00} and some cents from Republic Finance , Inc. on XXXX/XXXX/XXXX and they added charges to this account of {$4900.00}. So I received another check totaling {$2000.00} and paid off the {$2000.00} and some cents on XXXX/XXXX/XXXX. This account was for two years and I paid the account off in one year. I made a payment in XXXX XXXX for on XXXX/XXXX/XXXX with the late charges. I made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and these payment were not on record for {$130.00} which was the late charges also. The payments were for {$120.00}. The company stated that I borrowed {$2100.00} which was incorrect. I paid this account off on XXXX XXXX, XXXX but this was not a settlement. This account was not in collections. I was never told this. I informed them that I was paying this account off early and they put me in collections. I have a zero balance. If they told me at the time in paying off this account, this was a settlement, then I would not have done it. In the credit bureau they are showing XXXX for collection from XXXX to XXXX. I paid this account off a year earlier not in collection but paying off a revolving account. I want the XXXX taken off my account and 60 day past due for XXXX, XXXX, XXXX and XXXX. I received a letter later on XXXX/XXXX/XXXX that this was a settlement but they already had my check. I was not told at the time that this was a settlement and the account was in collection. I did not receive a XXXX on this settlement. This false information is ruining my credit until this date. Had I knew this would be put in the credit bureau as collection and incorrect dates of 60 days past due, I would not have let them deposited the check. I written the credit bureau and talked to a vice president but nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
applied for a payday loan from ACE cash express on XXXX/XXXX/16. did not receive funds as promised on XXXX/XXXX/16 so I called and cancelled. 
with cust svc rep XXXX at ex XXXX XXXX assured me that loan was cancelled. received funds on XXXX/XXXX/16. Tried to cancel, talked to an extremely rude CSR named XXXX, she claims computers are down so I can not cancel or pay off loan, she then hung up on me during conversation. called back and asked to talk to her supervisor and was hung up on again, Computers will be down all day so I can not pay off loan until XXXX/XXXX/16 if computers are working then. They have been down two days. on XXXX/XXXX/16 it will be past the 72 hr limit to pay off loan without charges. They said charges will occur even though I can not pay loan due to their computer system failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights. I want it removed from my XXXX XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2022, I stopped in XXXX XXXX XXXX to fill our car up with gas. I gave my Citibank Mastercard to the attendant. He went to put it in the machine and he came back and said it would not accpet my card. He asked if I had another card and I gave him my XXXX card which went through. After I drove away I recieved a notification from Citibank that a charge of {$970.00} was made on my card. I immediately declined the charge and Citibank called me and I reported the charge as fraudulent. They told me they would remove the charge and issue me a new card. Subsequently they informed me that they would not remove the charge and have charged me for it.

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 monetary relief
Consumer complaint received 2020-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been trying to communicate with then via email and messages to get help due to Covid, my kids being out of school, and my wife working part time, now she's off totally due to health issues being admitted to the hospital XXXX  XXXX. I am not able to call, they won't work through secure messages. I need help getting this resolved, I've paid minimum payments every month still they're giving late fees bc I was late 1 time due to this by 1 day, they won't fix this nor help me with payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-04
Company: Credit Bureau of Jamestown, Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed by a company called CBJ collections stating I took a payday loan in 2009 of {$600.00}. I have no recollection of that whatsoever, and they refuse to send me any documentation stating proof of debt. They have verbally harassed me with foul language and threatening court. I want all of this to stop ... they have called family members immediately without giving me anytime to call them back. want my name to be removed and to stop passing my name to other collection agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage servicer has failed to pay summer property taxes owed on our home. The house straddles XXXX jurisdictions, XXXX XXXX, XXXX County, Michigan and XXXX XXXX, XXXX County, Michigan. Summer taxes became due to both Townships on XX/XX/XXXX They were payable without interest or penalty through XX/XX/XXXX. The present amount owed to XXXX XXXX is {$1700.00}. The present amount owed to XXXX XXXX is {$390.00}. Our mortgage payments are and have been current As of XX/XX/XXXX, the balance in our escrow account was {$6400.00}. As of XX/XX/XXXX, the escrow account contained {$7200.00}. 
On XX/XX/XXXX, I contacted the servicer by phone to inform them that the summer taxes were unpaid and was assured that although the taxes had not been paid, the matter would be addressed and the taxes paid within 21 days. I asked for written confirmation, but was told that none would be provided. The taxes remain unpaid, creating the false impression on our credit record that we are delinquent in paying these taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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