BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX has committed fraud and falsified legal documents relating to student loan wage garnishment. A garnishment appeal was submitted to the deb collector Delta Management Associates who contracted with XXXX to make a judgement regarding my appeal. 

XXXX  is unable to do simple math and/or they failed to look at my pay stub for the correct information. Either way, XXXX has has committed gross incompetence, placing a financial burden on the debtor. 

The pay stub clearly shows a wage garnishment of {$320.00} per pay period. However, XXXX states in their appeal ruling that the wage garnishment is {$160.00} ; therefore, the incorrect number was used to calculate disposable income, which was used to deny my appeal. 

In addition, XXXX  lies about sending the Notification of Written Administrative Hearing to my correct address in a timely manner. A copy of the Notification of Written Administrative Hearing show an incorrect address, which XXXX representative XXXX XXXX accused Delta Management Associates of providing XXXX the incorrect address. 

Furthermore, XXXX  is motivated to rule in favor of Delta Management Associates in order to maintain selection by the debt collector and continue their revenue flow. 

The wage garnishment of XXXX is {$2.00} per pay period based on my income and expenses yet XXXX fails to implement the same standard in calculating the garnishment amount based on my financial situation. 

Furthermore, XXXX did not take into consideration my extenuating circumstances regarding my father 's death ( a certified Death Certificate was included with the appeal ) and my brother 's SSI XXXX. 

I request XXXX to reduce the wage garnishment in accordance with the law to match the same wage garnishment as XXXX  retroactive to XX/XX/2019, and order repayment of {$3500.00} to me from Delta Management Associates. 

In addition, I request the California AG investigate XXXX for predatory business practices and kickbacks from Delta Management Associates for ruling in favor of the debt collectors while using incorrect dollar amounts in their calculations.

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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, my credit card from Capital One ( chip ) information was used at a XXXX XXXX to make a purchase of {$18.00}. This happened while I was at home working and the card in my wallet. I contacted the bank and they said they will credit back my account, cancel my current card and send me a new one. On XX/XX/XXXX I checked my account, and the charge was credited back AND I was once again charged the {$18.00}. I contacted Capital One Bank customer service again and I was told that because the transaction was valid because the information of the chip matches my card which prevents them from returning my money. Even though I explained that I was at home with the card, and I couldn't have been in 2 places at the same time. They do not have a procedure yet in place for these kinds of cases. So, they are unable to resolve the issue and they do not have a formal complaint department. They are unable to solve fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a dispute online with Experian regarding the information being reported by XXXX. I disputed the high limit amount which is incorrect along with the number of late payments. The date of XXXX delinquency was XX/XX/XXXX. I received notice that the investigation was complete and the account was updated with " disputed meets FCRA ''. I did not receive any proof. Experian also changed updated this item and changed the date it would be removed to XX/XX/XXXX. They have added 3 years to this date. A dispute does not change the date of first delinquency and this re-aging of this debt is illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've tried to navigate equifaxes dispute form to no avail it does not show the items I want to dispute. I have paid XXXX out of XXXX of those depts and the other I have no idea where it 's from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

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 2020-03-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check that is actually with chase bank as well. They put a hold on the funds until XX/XX/XXXX. I live paycheck to paycheck and this has not caused a financial hardship for me especially with the coronavirus pandemic were having right now. I would like my funds available now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making bi-weekly payments and monthly payments. None of the payments are being applied property. They kept showing my payments are unapplied. Payment processing is not properly reflecting my payments. Payments are consisting receiving but on hold somewhere. I need an audit so this lender will fix their payment processing system. I requested to cancel the bi-weekly payment but they are still processing unauthorized payments. Yet they are not reflecting properly on my principal balance. I need help before they illegal foreclose on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, INC.
State: AK
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:
Equifax is the only credit reporting agency of the "  XXXX   XXXX  '' that simply refuses to provide my credit information ; and my wife 's credit information ; online. Each time we get our credit reports, the other  XXXX  credit reporting agencies quickly and easily provide our information online while Equifax requires us to scan documents, fill out forms, mail envelopes and wait for the mail. This has been happening for many, many years and I think it 's about time someone complained about Equifax 's non-compliance with the SPIRIT of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Filed BK in XX/XX/XXXX at this time the law provided for assuming loans you planned to fulfill and not discharge. I did so for my newly leased Nissan Altima in XX/XX/XXXX. 39 months later I discovered that all credit bureaus were listing this as discharged and XXXX as status pending early termination. I filed suit against them after repeatedly attempting to resolve it accurately and have a settlement in my favor from XX/XX/XXXX. Unfortunately, the credit bureaus still have not corrected it and show it as early termination, and discharged through XXXX. My 39 months of regaining good credit history, making every payment on time as agreed to fully meet all obligations shows nowhere. I have been trying to purchase a home, then even leasing proved to be impossible and very challenging respectively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Kikoff Inc.
State: IN
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:
Last year, in 2021, I contacted KiK off lending to close my KIK OFF credit account which has a {$500.00} limit. I received confirmation from KIK OFF that my KIK OFF account was closed. However, the account is still showing open on my XXXX report. I filed a dispute with XXXX to let them know that my account was closed. However, my account is still showing opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). 

ACCOUNTS XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF XXXX XXXX inaccurate COLLECTIONS XXXX XXXX XXXX {$240.00} not mine XXXX XXXX XXXX XXXX {$420.00} not mine XXXX XXXX XXXX XXXX {$660.00} not mine XXXX XXXX XXXX XXXX {$870.00} 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 non-monetary relief
Consumer complaint received 2022-09-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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 2018-01-06
Company: Experian Information Solutions Inc.
State: MI
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:
Incorrect info. CR agencies not consistent. Judgements are not off all CR.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently reviewed my credit report and noticed there several inaccurate items listed on my report. The inaccurate items ( inquiries ) are listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these companies to create an inquiry or apply for any credit utilizing my name. 
This is a violation of the Fair Credit Reporting Act Section C168B and a serious breach of my privacy right.

I formally request that these fraudulent inquiries be immediately removed from my credit profile.

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 2022-09-06
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted an application for loan forgiveness to XXXX on XX/XX/2022. I received notification from XXXX that I had made 120 Qualifying payments on XXXX/XXXX/2022. I have not received my loan forgiveness letter and now I am stuck between XXXX and MOHELA. XXXX says my loans have been transferred, but why because I was eligible to be forgiven? MOHELA says they don't have my information yet. I know many loan borrowers are in my same situation -- we have made 120 qualifying payments and are now stuck in XXXXMOHELA transfer purgatory with no end in sight. There has got to be a better way to deal with those of us in this situation. And even though XXXX and MOHELA both say that FSA makes the final decision about forgiveness, when I call FSA they say they can't see any of my information. Many of us have been working over 10 years trying to get the 120 payments and now that we have them, we are told to wait. This is very frustrating and disheartening. It is really impossible to move on with our lives until our loans are forgiveness. These are real people facing real hardships. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing regarding a release tax lien that is being reported on my Transunion credit report as docket number XXXX for XXXX.the lien has been released since XX/XX/XXXX. I have made efforts with filing  numerous investigations and disputes online, by phone in efforts to have this inaccurate information removed with Transunion, and it came back as accurate. Under the new law effective XXXX XXXX every public record must include name/address/Ssn/dob in order for it to appear on your credit file. Transunion refuses update their information and per the new law regarding tax lien the reported information does not comply with the new law and should be deleted off of my credit report. I have exhausted all efforts In resolving this  issue with Transunion as my outline regarding the law has gone ignored. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, XXXX and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2019 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX ACCOUNT # XXXX AMOUNT {$2200.00} XXXX XXXX, XXXX ( ORIGINAL CREDITOR : XXXX ) ACCOUNT # XXXX AMOUNT {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX MN XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: D&A Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls and mail from D & A Services to collect an alleged debt from XXXX XXXX XXXXXXXX. The company has made numerous calls before giving me a chance to dispute the debt. I have written to them by certified mail to inform them to communicate with me via US Postal Services ONLY. I have requested all related XXXX XXXX XXXXXXXX documents to review the alleged debt that D & A Services is trying to collect. These actions are causing me severe mental distress. 

Previously to receiving communications from D & A Services, XXXX XXXX XXXXXXXX made several phones per day to harass and cause mental distress. They intentionally contacted people who they thought knew me. All of these actions by both companies are mental terrorism.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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 is missing that should be on the report

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
my name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. AND THEY HAVE ONLY GIVEN MY AGREEMENT PAPERWORK WITH NOTHING BEARING MY SIGNATURE, THEY HAVE FILED A SUIT AGAINST ME WHEN I HAVE CLAIMED OVER AND OVER SEND ME THE AGREEMENT WITH MY SIGNATURE AND THERE WAS NOTHING SEND TO ME. IN ADDITION THEY HAVE VIOLATED FDCP S 807 FALSE AND MISLEADING INFORMATION DEFAMATION, IDENTITY FRAUD AND VIOLATION OF FAIR CREDIT REPORTING ACT. MY ACCOUNT WAS NOT EVEN MARKED AS DISPUTED UNTIL RECENTLY WHICH THE LAW SAYS IT HAS TO BE WITH IN 30 DAYS OF THE FIRST FORMAL DISPUTE LETTER RECEIVED WHICH WAS XXXX 2016. PLS HELP ME CLEAR MY NAME SINCE I NEVER APPLIED FOR THIS CARD OR EVER HAD AN AMERICAN EXPRESS. I DO HAVE RECORDS OF ALL CREDIT REPORTS AND CONFIRMATION SINCE ALL LETTERS SENT TO THE LAW FIRM AND AMERICAN EXPRESS WAS SIGNED FOR AND RECEIVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation