BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
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:
Equifax said they did not get the FTC report from you so I am reuploading here to ensure they get it along with XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries : XXXX XXXX, XXXXXXXX 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 XXXX XXXX

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 2023-07-13
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had requested a stop payment in XXXX 2017, then they failed to stop the payment they gave a credit and now they took the money without my consent and they took out XXXX too offset the other negative account that I was unaware they refuse to credit the account and they left me with no money for 2 weeks they cause my mortgae to be NSF and they also charged me nsf fees and late charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
State: TX
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:
Keep getting my sons information mistaken with mine. My name is XXXX his is XXXX nothing similer except for the XXXX .All his collection show up on my credit report can not seem to make the credit report companies to understand this. All of the addresses that he has used show on my report .All of the credit he dose not pay show on my report .Maybe he has used my S.S. # i do not know .Have been trying for years to get this corrected but to no avail .We have different S.S. # what could be so hard for this to be corrected?

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 2022-05-03
Company: Experian Information Solutions Inc.
State: MD
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 an online dispute regarding a collection on my credit report reported by XXXX power bill. 
I submitted all documentation showing I do not owe XXXX power anything and still Experian refuses to remove this from 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
Consumer complaint received 2022-08-14
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As part of our mortgage payment, taxes and insurance are escrowed and the policy premiums are to be paid by the mortgage servicer. Our mortgage servicer, Planet Home Lending, LLC., failed to pay our flood insurance premiums causing our policy to be cancelled, leaving us uninsured. More than a year later, they brought their error to our attention by threatening to purchase force-placed coverage to cover for their error and incompetence, and demanded that we obtain a new policy. We later learned that XXXX stole funds from our escrow account to cover for their error, without our permission. We lost the " grandfathered rate '' that we had with the original insurance company, and the lowest cost replacement policy was substantially more expensive. I have written several letters to XXXX detailing their error. The first was XX/XX/2022. There was never any reply or response. During my calls, I asked if they received my letter, and they said " yes, we put it in your file. ". I asked why they did nothing, and while they admitted their mistake on the phone and promise to take care of it, they have never acknowledged anything in writing, nor done anything. They have promised to correct our account balance, remove all late charges and fees, credit us for the difference in our original policy and the new policy, and correct our monthly payment. ( Our correct monthly payment is sent automatically each month, and has always been received on time. ). Notwithstanding, they continue to harass us for payment and threaten to ruin our credit. Despite numerous calls to their insurance department, and customer service, they have done nothing. On XX/XX/2022, I wrote to XXXX XXXX XXXX, the president of Planet Home Lending LLC, detailing everything and providing copies of prior letters. I received no reply from her. On XX/XX/XXXX I received an unsigned form letter from a XXXX XXXX XXXX XXXX saying that they would look into this matter. So far there has been no response, except the default notices that XXXX continues to send us, telling us that we are " seriously delinquent and in default. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am an XXXX old widow and have been making charitable contributions through XXXX XXXX  XXXX XXXX XXXX XXXX XXXX GA, for a XXXX church in the predominantly-XXXX  country of XXXX. With their end-of-year giving statement, the church indicated that checks had been periodically been stolen from the churchs mailbox throughout the year and that donors should check their records for any fraudulently-cashed checks. I did that and discovered that two of my checks had been cashed without any endorsement. XXXX  the Truist " Bank Services Agreement and Privacy Notice, '' I immediately reported the fraud to the local branch, making a fraud claim at a local branch. I also paid the fees to perform a stop payment on two outstanding checks. I was not given any documentation, but was told that I would hear from them within 30 days. After 45 days, I went back to the local branch. They said that, because of the transition from SunTrust to Truist, they had not done anything yet and they would elevate the claim. After not hearing anything from them for some time, I went to the local branch yet again. They called someone that said that the claim had been denied because it had been over 45 days. Throughout the entire process, I never received anything at all in writing from SunTrust/Truist. To the best of my knowledge, they have done nothing to help me. 

The two checks total {$2200.00} ( check no. XXXX for {$100.00} and check no. XXXX for {$2100.00} ). 

I have had a checking account at Truist Bank before they were SunTrust, since they were known as XXXX, and am very upset at the lack of respect and support they have shown 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 2021-11-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I deposited a check via the mobile app for {$5200.00}. The bank only recognized the {$250.00}, so that was deposited and it was short {$5000.00}. I called and filed a claim. They deposited the missing {$5000.00} into my account while they investigated the claim. On XX/XX/XXXX, the claim was denied and they took the money out of my account ( STOLE ) the {$5000.00} from me. There is a copy of the check through the mobile app and it is very clear that the initial deposit should have been for {$5200.00}. When I called Chase claims on XX/XX/XXXX, I had to call 4 times to finally get anywhere because the first XXXX calls were disconnected. The XXXX employee I spoke to was able to reopen the claim. I am complaining because at this point, Chase has stolen {$5000.00} from me. I also called the claims department at least XXXX times today to receive an update, and the call was blocked from getting through. Yet when I used my husbands phone to call, it went through with no issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery called inquiring about my XXXX. I told them I can't help them and to not call me, as I am on the No Call List. I mentioned this to my XXXX, he denied knowing why they would call me, and was no help. That was a number of months ago - I have been too busy to contact you sooner. 

At least two or three times a week since then I get calls from them from different phone numbers which I do not answer. I did get a call this morning, and now have time to contact you. Their numbers have been : XXXX ; XXXX ; XXXX ; XXXX ; XXXX I do not have any reason to have any dealings with them. Even if they had XXXX XXXX phone number, he would not answer. So I guess this gives someone a job, fine. But invading my personal life and that there is a law against this, I do appreciate any assistance from you to stop this harassment and to take action against them. Thank you-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CL Holdings LLC
State: DE
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:
Monthly credit score has been in steady decline. I own no credit cards with any type of balance. Checked credit records and found a charge {$1000.00} with XXXX XXXX XXXX XXXX Creditors number XXXX XXXX XXXX Original creditor XXXX XXXX Original Account number XXXX Agency Reference Number XXXX Balance {$1000.00} I have never had a account of any kind with XXXX all of the listed information on the original account has nothing to do with me! Please look at my credit record I have nerve not payed a amount that I owe. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
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:
On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX that a " Loan '' that I had applied for recently was " Denied '' because of derogatory credit information on my " Equifax '' credit report. I immediately called " Equifax, '' calmly explained to " Equifax '' my situation and asked them to mail me a " Free Copy '' of my " Equifax '' credit report that I am lawfully entitled to per the Federal law called the " Fair Credit Reporting Act. '' " Equifax '' staff said " No '' and rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have contacted XXXX XXXX on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: ONLINE Information Services, Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX run a criminal background check on me providing the wrong information reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Mr. Cooper Group Inc.
State: IL
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:
what mr cooper is saying payment i missed was from XX/XX/XXXX not from XXXX like they have listed which XXXX saying is inaccurate late payments should be listed in XXXX not XXXX when i actually found out about it and made current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have not applied for credit with this 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 2019-07-18
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Had a vehicle loan with Ally in early 2016 for a XXXX   XXXX. I entered bootcamp XX/XX/2016, prior to that had a billing issue with Ally which I was trying to correct with them. During the time I was in bootcamp, I received a letter from Ally notifying me of their intent to sell my vehicle, which they had repossessed over the {$250.00} billing issue. I have copies of the letter from Ally. In XXXX this year, I received a letter from Ally stating that the vehicle in question, had been " repossessed in error ''. They sold my vehicle and are billing me for the residual balance of the original loan. They sold my vehicle and repossessed in error and I should not owe them anything, they should owe me for the equity I had in the vehicle. I went to XXXX XXXX Assistance attorney who sent them a letter of representation and they have been avoiding sending the documentation he is requesting and not returning phone calls at all now. They have not sold this to collections, but the negative reporting is affecting my credit. I want this resolved and corrected.

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 2022-01-11
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
As of today I have requeted three times for a replacement card of card number XXXX. Recently asked twice for a replacement card of XXXX. I requested for it to be delivered next day but I have yet to receive it. Also, I requested for a supervisor and that was last week and I have yet to received a phone call. 

I really need the card send overnight as it is affecting access to my money.

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 2017-06-30
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On X/X/2017 We made a purchase at XXXX for {$9.00} We were unaware that our account had a negative balance of $ ( -XXXX ) ( which was caused by the monthly fee of {$6.00} the bank charges every month ). Even though the account was negative, US Bank approved the charge for {$9.00}, causing the account to overdrawn even more to end up with a new negative balance of ( - {$12.00} ) On X/X/2017 US Bank charged an outrageous fee of {$36.00} because the account was overdrawn and they also charged a {$25.00} for extended overdraft, leaving us with a new balance of $ ( -XXXX ). US Bank never attempted to inform the account was overdrawn. We did n't receive any emails, text, letters or calls to notify us. Then on X/XX/2017, X/XX/2017, and X/XX/2017 US Bank decided to keep charging extended overdraft fees for the amount of {$25.00} each. We ended up with a negative balance of $ ( -XXXX ) on X/XX/2017. This is the most expensive trip to XXXX I 've had, and we only buy coffee there very rarely. I wish the card had been declined at POS. Please help us solve this. It is ridiculous to get charged a total of {$130.00} in overdraft fees for a charge of {$9.00}.

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 2018-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery Associates 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I want to file a complaint against the above four companies for harassment and continued negative reporting of the same creditor information after the items have been removed from my credit report. The debts from the original creditors date back to about 2012 and have continued to remain on my credit since then. I have gone through the dispute process numerous times with all three of the credit bureaus and have had success in the past with the items removal from my credit reports. However, the collection process has continued steadily over the years in the form of phone calls to my cell phone, calls to my place of employment, threatening letters in the mail despite cease-and-desist letters I responded with and extremely detrimental damage to my credit reports. Aside from these 4 collection items on my credit, the reports reflect only good items including on-time payment history, length of credit, etc.

My goal is to have these 4 companies reprimanded and reported for having violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act on several occasions and in several different areas and to have the collection items permanently removed from my credit report from all three credit bureaus. 
I have the necessary documentation to support my allegations and will provide it, if requested. I have been working very hard to fix my credit to improve my quality of life for myself and my children but these 4 collection companies have ruined and continue to obstruct my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: ACS Education Services
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
For at least XXXX weeks, I have been unable to access my account. I have attempted to log in to my online account on several devices using different browsers, tried resetting password, and spent several hours on the phone trying to contact a service representative. I am concerned that I will not be able to make my next loan payment on time, because I am unable to access my account information. 

The problem has persisted for several weeks, but I only started tracking my contact attempts this week. Here is the list of the last few days. 

Login Attempt XXXX/XXXX/XXXX XXXX Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; information not found Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX On hold for XXXX ; never XXXX through. 
XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX Received busy signal. 
Login Attempt XXXX/XXXX/XXXX XXXX - Service unavailable message Call ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Phone menu ; XXXX & XXXX not found The message I receive online is, " We are sorry, the service you have requested is temporarily unavailable. Please try again later. '' This is not a wrong password ; I get a different message if the password is wrong.

Company response to consumer: Closed with explanation