BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While checking my Equifax credit report, I noticed unauthorized and fraudulent credit inquires made by the following Creditor 's : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I did not authorize any of this companies to make any inquire and view my credit report. 
I have called Equifax several times, and I spoke to different representatives, no one is willing to help me. I sent a letter asking for verification, and proof of my signature, and I did not receive an answer. 
I asked Equifax to send me written confirmation that they have complied with my request within 5 business days or, it will be my evidence used in Federal Court of their willful noncompliance ( XXXX U.S.C. & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: CURO Intermediate Holdings
State: WA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Evergreen Financial Investments , Inc DBA Rapid Cash, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX. 

My bank is XXXX XXXX XXXX The selections do not really pertain to my situation. I do not have the money to pay the loan back as I no longer have work. I have revoked my pre-authorization for my debit card and actually cancelled my debit card since I misplaced the original. I spoke with my credit union and notified the merchant as well ( in writing ) and I also requested that they put together an installment plan. They responded that they had revoked my pre-authorization and I could make payments by mailing them to Kansas or bringing them in to the office here in XXXX. Since they did not mention the terms of the plan, I called their customer service number and spoke with " XXXX ''. She told me that I could not have an installment plan without a debit card on file which I do not want to do. She said that when the office did not get their payment on XX/XX/XXXX, they would send it to their collections department. However, they are not supposed to be charging me any more fines or other expenses once I 've requested the installment plan. Trying to deduct it from a debit card that no longer exists will earn them {$25.00} for the attempted deduction and may also incur a charge from my credit union. Since they know I do not have the money to pay, their trying to withdraw it on the due date makes no sense except to punitively charge me {$25.00} on the attempt. Again, the contract makes no mention of having to have a card authorization and, in fact, the email I received gave other instructions for payment this makes no sense. I am trying to be honest with them to tell them I ca n't pay immediately and they are giving me the run around. I do want to pay my debt, I just ca n't right away. I am sorry about this but now I feel they are being dishonest. I can furnish their email response if you require it. I just would like to email it to you at a private email address. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call several times a day. After I do not answer for a long period of time they lock my ability to pay on-line so I will have to call them to be able to make a payment. 
This is a non-federal student loan I co-signed for my son. Since signing the loan I filed bankruptcy and was told by my attorney I would no longer be responsible for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Pressler and Pressler in regards to a credit card debt owed to XXXX Bank. Where I had a XXXX Card, my balance was {$XXXX}. I wanted to know how I allegedly accrued that balance. I made a phone call to Pressler and Pressler on XX/XX/XXXX. This call was to dispute the charges. I requested a copy of the original bill. This information was never sent. Pressler and Pressler has all of this information documented. They continued onto getting a judgement filed against me and they garnished my wages for {$620.00} which was paid in XXXX. I now have a judgement on my credit report for a debt that has not be proven to be mine. My credit report also has the original creditor, XXXX Bank listed with the debt written off has the card Lost or Stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My complaint is stating that the Public Record Information was inaccurate in its filing. By law the term " Dismissed '' means that it is adjudicated by the law. When I initiated the case it concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years this is against consumer law. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed XXXX disputes with Equifax for a judgment being reported as satisfied. It was reported in error, and paperwork was completed and recorded to cancel the judgment that was recorded in error. The other credit agencies have accepted the cancellation document that was recorded by the court. Equifax does n't seem to understand the difference between a satisfaction and a cancellation. If they want to report the judgment as " cancelled '' that 's fine. It is showing as " satisfied ''. I would like it to be removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My monthly mortgage payment went {$1800.00} /month to $ XXXX started in XX/XX/<YYYY> This happened because they opened escrow account which was not there while it was serviced by XXXX Mortgage. As a result, I lost the flexibility of making arrangements with the XXXX to pay property taxes and insurance payments with insurance company. As a result, I am perpetually XXXX payment behind all of XX/XX/2016. In addition, every time I try to schedule the payments or move the scheduled dates, I am being harassed perpetually.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax stated they verified bankruptcy that is on my CREDIT report with XXXX XXXX. XXXX account has a security freeze on it and representative from XXXX XXXX stated they did n't verify any information with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached XXXX FTC reports with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
There is a collection account on my credit report from XXXX. 
I never received a bill. 
I have dispute this on my Equifax report back in 2013. 
I sent a letters for validation and dispute and the company never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Discover bank is not honoring it 's promotional bonus of {$300.00} for a new checking account. I have met all the requirements as outlined in the terms and conditions of the offer below. I have contacted Discover regarding the bonus on multiple occasions including both telephone and email. Their initial response confirmed my eligibility of the offer. Their subsequent responses denied the bonus to my account. My efforts to obtain this bonus through Discover directly have been exhausted. The offer terms are included below, which have ALL been met : XXXX Offer Code : XXXX Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted to Trans Union a complaint that two accounts were inaccurate, I completed the complaint online at their website in XX/XX/2020. I have requested from them documentation to support their decision, they have elected to provide no proof to me on how they ascertained that the accounts were correct. This is very unfair to the consumer, the consumer has little or no ability to challenge their decisions. In both cases they were in error in regards to the reporting of these accounts ; 1. XXXX XXXX XXXX  They have reported me as being late paying, when the Stimulus Bills both stopped lenders from reporting these payments as being late.

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 2017-03-07
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no idea what it is, and I am 100 % sure it is not mine.

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 2015-05-11
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a geniesis loan I did not recieve a decrease on this loan I talked to geniesis they said I do not qualify for it. Then I found Out that they sold my loan and its called XXXX and geniesis is just servicing the loan. XXXX MI XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is not even my name. I have no idea what this is or anything. The collection agency has never contacted me by any means I only came to know about the debt from checking my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: DISCOVER BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Discover bank requires a SSN to open a checking account and does not allow the use of an ITIN. Spoke to multiple agents who all said that I simply would not be able to open a checking account ( despite having a credit card and savings with them ). 
It also states on the bottom of the application that they need either of the XXXX, not necessarily a SSN : " Important Information To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify and record information that identifies each individual and entity that opens an account. 

What This Means for You - When opening an account, we may ask you to provide your name, address, Social Security Number or other Taxpayer Identification Number ( " TIN '' ), and other information that will help us to verify your identity. You may also be asked to provide a driver 's license, state ID card or other identifying documents. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Genesis Lending
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 've been faithfully paying to Genesis lending since I was enrolled in school, monthly. I made sure my payments were always on time so my credit would n't go down. I then found out that the school I attended was closing, and my private loan was being sold to another company. Even though I 've still been making payments, there is no history of my previous ones to Genesis Lending, nor has it been reported to credit bureaus about on time payments. I do n't understand why I still need to make payments if this was a scam and the school forced this loan on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am disputing this collection and explained that to XXXX different callers from this company. I asked them to not call again. Now they call at least XXXX times a day and then hang up. The last phone call they called, someone breathed heavily on the line, and then they hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY
Product: Credit card
Issue: Other

Complaint:
My Company received an unsolicited offer of a Business credit card from Capital One in XX/XX/XXXX. 
The Company, a " XXXX '' XXXX, of which I am XXXX, applied for the credit card which required the signature of an officer. I signed the application and the account was opened. there were no issues until XX/XX/XXXX. Our office mgr was out on maternity leave and the credit card bill was not paid on time. The issue was rectified when she returned to work. At the end of XX/XX/XXXX, I received my personal free annual credit report and was shocked to learn that the late payment was reporting on my personal account. I filed disputes with all XXXX agencies and wrote XXXX letters to Capital One without relief. The account is still reporting on my personal credit. This is ridiculous. The card was clearly marketed as a " business credit account ''. I did not knowingly accept any responsibility for the account management although as a stockholder, I am sure I would have SHARED responsibility in cases of default. The account has never been used for personal purchases by ANYONE. It is, in fact, fraudulent for it to report on my personal report ( good or bad ) because it has no bearing on my ability or willingness to pay my own debts. It seems like a simple matter but so far, Capitol One has been unwilling to discuss the situation ( all I get back is form letters ) and the credit agencies say their hands are tied. We could close the account-it has been unused ever since this situation came to light but that will not remove the negative from my report. please advise me how to proceed in a situation like this. To my fellow consumers, BEWARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection Consultants have reported XXXX medical collections on my credit report that should not have been reported for several reasons. 1- I have insurance and the medical bills were 100 % covered by my medical insurance. Any bill that would have not been paid XXXX 100 % I did not agree with and I would have disputed. 2- I was never notified that they were attempting to collect a debt. Collection Consultants made NO EFFORT at all to reach me and validate these XXXX minor medical collections. I have lived at the same address for several years and have received no correspondence from them at all nor any verbal communication. As they never validated this debt they do not legally own the debt and to not have a right to report something they do not own. I have had the same phone # for 15 years. This is in violation of both FCRA and the Fair Debt Collection Practices Act. 3- they NY Attorney General has settled with the reporting agencies regarding medical collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was involved in a XXXX. I was asleep and my apartment was broken into. Many items were stolen including my debit card. It is a CHASE debit card and when I called to freeze my card they asked me several questions about the last payment I made. The CHASE employee on the phone talked fast and had a strong accent. He asked me about a certain charge but never said a time or place and I misspoke and said that charge was made. This call happened around 8 hours after the incident and I was still shaken up from it. There was {$480.00} taken out of an ATM that was not me and was fraudulent. CHASE denied my claim because I misspoke about another charge that they think I verified. I 've called them multiple times but my case is closed and there is no appeal process other than the court system. I do not want to sue them, but this whole process has taken so much of my time and has been really hard on me especially because I am a XXXX and I spend hours on the phone with CHASE. All I want is my money back, but CHASE does n't care. They never asked me for the police report even when I offered to give it to them. The evidence does n't add up because the police were called about the incident before the charge on the card happened so there is no possible way I could have made the charge. Please please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: APR or interest rate

Complaint:
I had made XXXX balance transfers onto my Chase credit card to a 0 % interest rate for a total of {$15000.00}. I have subsequently been making my minimum payments as well as additional payments to cover my purchases. I recently found out that these payments are not being applied as they should pursuant to the Credit Card Bill of Rights. While the minimum payment is being applied to the lower rate, some of my payments above the minimum have also been applied to the lower rate instead of the higher rate as is required. I should have a balance of {$14000.00} at 0 % now, but instead I have a balance of {$11000.00} at 0 % and {$3000.00} at the higher rate because these payments have been misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX exhausted ALL the funds and money from my student loans and finally administratively withdrew me from the XXXX program offering me the option to re-enroll in a XXXX program. 
With research investigation since XX/XX/2012, I learned that they as a for-profit entity, practiced unlawfully without trained staff, professors, and mentors in the XXXX field. This explains their inability to accurately mentor, responsibly process research reviews, and instead constantly had me retake unnecessary courses until all my funds were exhausted and now I am left without a degree and a XXXX student loans.

Company response to consumer: Closed with explanation