BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: AZ
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 XX/XX/2021 I was the victim of identity theft and someone fraudulently applied for several credit cards using my credit info. When his was disovered all 3 credit agencies were notified and a security alert placed on my credit. 

On XX/XX/2021 someone once again tried to fraudulently use my credit to obtains an installment loan with a company called XXXX XXXX. The application was denied. 2 of the 3 credit agencies correctly identified this as fraudulent and it was not added to my credit. 

The 3rd agency, Equifax, added the fraudulent attempt to my credit as a hard inquiry that affects my credit. I filed a dispute with Equifax notifying them of the fraud and reminding them that this occurred before and that my account was under a security warning. Equifax has refused to remove the hard inquiry from my credit file. 

XXXX XXXX also has not responded to any communctions requesting that they notify the credit agency of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax other account they the put onto my credit report are : XXXX/XXXX/XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX is reporting closed should be openXXXX XXXX XX/XX/XXXX reporting closed should be reporting openPlease fixed this Equifax. I am honestly truthful attaching report. Please carefully review report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2020 I was notified by Chase Bank that I had fraudulent transaction to my checking acct. One for {$1900.00} another for {$880.00}. The transactions were through XXXX. I let them know I didnt make those transactions. Needless to say I had to file fraudulent Claims for them. Chase told me they're not going to reimburse me. Chase says the money went to an account that wasn't through them. The person that the money supposedly went to has an account with Chase. I feel if they really invested my claim as they say they would have figured it out. Now I'm out of a lot of money in which I am incurring a lot of overdraft fees because my account is on hold. C as n you please help me to get my money back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for a CITI XXXX XXXX XXXX XXXX Card on the Same day I was declined for my limit increase with another Credit Card. I recently paid off a considerable amount of credit card debt the previous month. I've received numerous offers in the mail from CITI for that card as recent as XX/XX/XXXX with a personal invitation number. I applied online and was also declined. I received my letter in the mail and the reason for decline was " Too many recent inquiries are recorded on your credit bureau report ''. The adverse letter failed to include my XXXX Credit Score at the time of inquiry, which Financial/Credit Institutions are required to do. After being declined for the XXXX XXXX XXXX XXXX Credit Card, the following month ( XXXX ) I am now being solicited by CITI to apply for their XXXX  Card, which offer no rewards other than ( {$0.00} Late Fees and {$0.00} Penalty Rate ).

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 2020-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020, I made some purchases at Kohls and there was a promotion to save additional money if you open a Kohls charge account. I opened an account at the store to pay for the purchases that day. I then received a statement on XX/XX/2020, with a late fee. Apparently, the cycled my billing period on the same day that I made the purchases ( XX/XX/2020 ) and they charged me a late fee before I even received the bill or the physical card. 

I called to have them correct the problem and they stated they would remove the late fee and I paid off the complete balance. I even paid them {$1.00} in interest because they could not remove it, even though it should not have been charged because they closed the billing cycle the day I opened it. I tried to access my account online but could not because I had not received the card. 

Two months later ( Tuesday, XX/XX/2020 ), I received the first and only email from Kohls stating that I needed to make a payment. I called them again and apparently they hadn't removed the late fee and had charged me another late fee on top of the initial, erroneous late fee. They stated they would remove the late fee again and to check back before the billing cycle date on the 11th to be sure it was removed. I finally got access to my Kohls account online but there are no statements available. 

I tried to call back on Friday and after 40 minutes on hold I hung up. I tried to call back again on Monday and hung up after 20 minutes on hold. 

Finally, on XX/XX/XXXX I got through to a representative in a reasonable amount of time and after an hour+ on the phone the explaining to the representative the problem, he was able to confirm that my account was paid in full, that they closed my billing cycle the day I opened my account, and that they failed to remove the initial late fee. 

I explained to the rep that I have an XXXX credit score and that they need to correct my credit file if they report me as past due. The rep stated they would submit a case to have the issue corrected but now my credit report shows a late payment and they dinged my excellent credit. 

Kohls has failed to address this issue in a satisfactory manner, they have no escalation measures to address these types of predatory practices and they have not taken the steps they stated they would correct their errors. My account now shows a {$0.00} balance but my credit score is now at XXXX down from XXXX according to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: Herbert P. Sears Co., 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: Account information incorrect

Complaint:
I have reached out to this company in which they have assured me that they no longer have this account. I have paid the original creditor in full, therefor the following account is not owed. 

HP Sears. Account # 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 explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: IL
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:
I opened a business credit card ( Chase Ink Cash Business ) with Chase. The card stopped working after one purchase and I cant sign up for a mobile or online account to pay the card. I called Chases fraud department ( XXXX ), but I was still unable to reach anyone after 30 minutes. 

I dont know what to do now. I cant use my card, pay it off, create a login, etc. This also prevents me from being able to make use of their promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated with my XXXX XXXX XXXX in 2001. The school I attended ( XXXX XXXX XXXX XXXX XXXX ) told all of their students to take out the maximum loan amounts, which I did. 
I graduated in 2001 with XXXX in student loan debt. 

I started to pay on my debt, but when I could no longer find a job that paid well enough to make full payments, I asked for income based payments. I was told I couldn't because the amount I made would not cover the payments. I was told my only option was forbearance. 
This went on for a number of years. I was willing to pay, but as the principle grew, so did the payment amount. Eventually, the forbearance option ran out. My principal amount owed is now XXXX. I am now in repayment but my payments are finally based on income. 
why was I denied this option until there was no other option? why was I denied this option until my principal nearly tripled making it near impossible to make payments? Interest rates drop for mortgages, banks, car loans but my student loan is over 5 % and now it has grown to be a debt that I may never be able to repay. 
I took out the loans. I owe the money. Yet the loan processing company ( Sallie Mae ), would only allow forbearance until it was no longer an option. there was no other choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions 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:
XX/XX/2021 an Collections account from XXXX XXXX company for XXXX that does NOT belong to me has reported on XXXX  and Experian. I have reached out numerous of times to both companies stating that. I never had XXXX services. The address that they have linked to the XXXX services that they CLAIM Is mines the address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have spoken to them and told them that I have never lived at that address. My CORRECT old address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. Apartment XXXX is not my apartment number. I have bank statements to prove that I have never lived at that XXXX address. Credit bureaus are failing to verify information on this account.

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 2021-07-28
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I was laid off XX/XX/2020 as a result of the COVID shutdowns. I contacted Santander to see if I could get a deferral on my car payments as my bills were running behind. Santander agreed to defer my payments, and I signed all of the required documentation. When payments resumed they began to report all of my payments as delinquent back to the original deferment. I have contacted them multiple times to fix the reporting on my credit, and each time they have assured me that the reporting will be corrected. To this date the reporting has not been corrected and they continue to report my payments as late. I am attaching the documentation to substantiate that I was in an approved deferment program. This is a violation of the CARES Act to inaccurately place derogatory payment history on my credit reports. Furthermore, the company has verbally acknowledged the error and will not follow through with their promise to remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: TRANSWORLD SYSTEMS INC
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 was paid

Complaint:
Received a letter from Transworld Systems which claimed I was delinquent in paying the XXXX XXXX of XXXX. As I had never received a bill from the XXXX XXXX and was not aware that I owed money for any goods or services I contacted XXXX who said that no bills had ever been sent to me and that Transworld was contracted to help their billing office send bills on open accounts. XXXX XXXX verified that my account was not delinquent as I had never been asked to make payment. In spite of this, Transworld claimed I was delinquent on my account which was untrue. Further, Transworld employee, XXXX XXXX, was rude and refused to answer my questions concerning Transworld 's relationship with XXXX XXXX and refused to acknowledge that there was not a delinquent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a first mortgage and Seterus, Inc. was the servicing agent. My home was sold XXXX/XXXX/15 & the mortgage was paid off. Seterus overchanged me on the payoff statement for interest to XXXX/XXXX/15 in the amount of {$880.00} & flood insurance premium of {$490.00} that was not due until XXXX 2015. I was also due all the money in escrow for 2015 since not XXXX cent had been paid out for insurance and taxes in 2015. The escrow account should have had {$2300.00} in it. The total amount due to us is {$2800.00}. I received a check from them dated XXXX/XXXX/15 in the amount of {$880.00} XXXX overpayment of interest on closing statement ). I wrote them a detailed letter showing that they owed me and on XXXX/XXXX/15 they prepared an Escrow Account Statement XXXX this statement does not include XXXX and XXXX 2015, ) and it shows a XXXX balance. It notes that {$880.00} was deducted at a " Misc. Escrow ''. Then I received another check dated XXXX/XXXX/15 in the amount of {$490.00} XXXX overpayment on closing statement for Flood Insurance. I am still owed escrow payments for taxes and insurance from XXXX thro XXXX 2015 in the amount of {$2300.00}. Correspondence from Seterus says if you have any questions call them. I have called them many times only to be placed on hold for XXXX minutes and then told that they could not help me and my only way to resolve this was to write to them. These tactics appear to be designed to frustrate customers and are unfair and deceptive business practices. I want my escrow money that I am lawfully entitled to in the amount of {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: PENTAGON FEDERAL CREDIT UNION
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:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to Peb Fed company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudelant charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from Pen fed bank I am requesting to remove this lateness from all 3 bureaus as soon as Pen Fed promised.

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 2020-03-30
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:
ftc violations attach documents also attached the violations committed

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 2015-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is listing an account from XXXX XXXX and a Civil judgment. Niether is the account from XXXX XXXX is mine nor the civil judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Round Point Mortgage failed to calculate the appropriate escrow amount for last year 's tax bill, as a result I have stated they need to recalculate the amount I am charged on a monthly basis. This overestimation resulted in an approximate {$3500.00} refund from last year 's property taxes, which would be about {$290.00} reduction in escrow on a monthly basis. I have attempted to resolve the issue on 5 different phone calls ( all of which were unable to confirm the discussion through email to have a record of these conversations ), and over 3 secure messages. Their poor customer service has added no assurance that this matter is being taken seriously, and has me wishing that my XXXX mortgages that are currently with the organization had been sold to a more customer friendly and responsible mortgage service provider.

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 2021-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  passed the debt to portfolio recovery associates I told them I was locked up since XX/XX/XXXX Untill XX/XX/XXXX in XXXX  county I o I also saw the debt was incurred at a Airport and in Puerto Rico I have not given anyone the right to use my name or open up anything for my benifit or with my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Any and all medical bills reported by any agency on to any credit report are to be paid by the XXXX XXXX. I 'm medically retired and they fail to provide proper medical care. Therefor, they are responsible for any past, current and future medical bills. Also, I have never owed any XXXX bill and do not owe any money to XXXX XXXX XXXX. Those are mistakes made by those companies that I had contacted them to discus in the past, with no acceptable outcome. There should be no derogatory remarks or any open accounts on my credit report, as I do not owe any debt collection agency or reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing another complaint on the following unauthorized and fraudulent accounts that 's listed on my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, MN Child Support Enforcement and XXXX XXXX. The following credit inquiries are unauthorized and fraudulent as well : 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 am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company through the XXXX XXXX XXXX on XX/XX/21. They first stated they had no records of the debt I was referring to. Then they stated they would send debt verification. 

I received a letter dated XX/XX/21. This is past the 30 day mark to verify debt. Meaning they only took the time to respond after the 30 days. 

They have not removed the collection. I want the collection removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
XXXX  AND SANTANDER HAS AND XXXX XXXX XXXX XXXX XXXX  XXXXTO  BE RE-INSERTED BACK INTO MY XXXX  AND XXXX, XXXX XXXX. SEE ATTACHED

Company response to consumer: Closed with explanation