BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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:
I have disputed and ask for validation several times with Equifax, XXXX, and XXXX regarding the company called XXXX XXXX XXXX that has reported entries on my Credit report. We learned today, by looking at the complaint and their response files through CFPB that XXXX XXXX XXXX has no supporting documents and did not, were not able to, produce any validation documents as outlined in the complaint. This shows that all credit bureaus have continually failed investigating my disputes and requests for validation time and time again. I would like all three Credit Bureaus to be censored and formal record made relating to this complaint. The statement made by XXXX XXXX XXXX Today ( they have ask their client to send documents to me ) is against all logic and non complaint with regards to Having all necessary Documents on file to Support furnished reports to the credit bureaus And to provide the validation requested just like I did through the CFPB and not one file or Document was provided as required for validation and accuracy of these long reported furnishings. 

Thank you CFPB for bringing this injustice to light after several years. 

The following documents attached supports this complaint and I ask again at this time for Equifax, XXXX, and XXXX to delete all entries reported by XXXX XXXX XXXX in my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have sent a letter to them XXXX XXXX 2017 at XXXX XXXX and got nothing in return that is to Us Bank.. To have me please take me off of mitigation but got nothing in return from them but a bill for {$890.00} from them and they will only take the full amount that is all .They are the ones causeless all the pain they are going thought now. I have try to make a payment to them but they will only take the full amount in pay be cause of my low paying job at XXXX that ca n't be done this must end be for I miss one more payment to them..

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 2022-08-31
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:
Hello, my name is XXXX. 

I am writing yet again in reference to the ongoing dispute with Equifax over the fraudulent XXXX XXXX account that is still on my report and should not be. I called Equifax today and spoke with three different representatives. XXXX, XXXX and XXXX who all denied me my rights as a consumer to have this fraudulent account removed. I have made several attempts to remind you of your duty 15. U.S Code 1681i ( A ) ( 1.A ). Youre intentionally and willfully being neglectful in fixing this issue. 15 USC 1581 e ( b ) assures that I am due promised accuracy in my report based on federal law. I am requesting this fraudulent information removed. This is unlawful and a direct violation of my rights. Please remove this account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Convergent Outsourcing located in XXXX, WA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Convergent Outsourcing has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: DC
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 number XXXX and XXXX  XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy.

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished 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 explanation
Consumer complaint received 2022-08-31
Company: National Collection Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In 2018 I was attending XXXX XXXX. I had been for a while and was getting financial aid. The last semester that I attended, I had turned in all of my financial aid info and started school. I was contacted by the financial aid office after saying I owed them for the full semester. I asked how was that possible and I get full financial aid? The young lady explained that she failed to turn my paperwork in to the department of education for them to send in my financial aid for that semester. It is being reviewed by the department of education and collection actions are supposed to be on hold until the investigation is completed. Today National credit management emailed a bill with all of my personal information, name address as well as full debt information to a shared email box that is used for business now without calling to verify that it was my personal email. I share that email box with my sisters and a couple other people. That is a violation especially including my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon being denied from a lender for " too many inquiries '' from my equifax report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are inquiries on my Equifax report that I DID NOT authorize and have no knowledge of. I contacted Experian immediately and was given no relief. I also have fraud alert in place now, which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.        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  is on my credit report twice on the same day   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed online using Experian website and submitted proof that the judgment was paid in full. I sent payment proof and invoice from the  XXXX  County court house showing that the judgment was paid in full.   All other credit bureaus have accepted the information and removed the judgment but Experian has failed to remove it. I spoke with a representative at Experian and was told they can not remove it. I tried to dispute only  a 2nd ti me and no luck with Experian.

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 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since TRANSUNION REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XXXX. XXXX MY ACCT WAS FREEZED, IDK WHO DID THIS, XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/XX/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 2022-08-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Starting XX/XX/2022, I started receiving Overdraft notices from Truist Bank. I called them numerous times explaining that I did not open this account. I continue to received the overdraft notices. Early XX/XX/2022, I received a consolidated statement from Truist Bank. Showing two different checking accounts. Again I called them, and explained that I did not open this account. The statement shows one account with {$4.00} and the other account with {$1200.00}. I have also received three different Debit cards from them, of which, I have not activated. I would like this bank to understand, I did not open these accounts and to have my name removed from them. Apparently they were opened by a fraud thief.

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 2019-08-05
Company: Experian Information Solutions Inc.
State: VA
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:
Good Afternoon, I've disputed incorrect information on my Credit report from Experian, regarding the repossession of a vehicle by XXXX XXXX XXXX. The Vehicle has been paid in full and I have the Title. I also noticed they listed that I have a Real Estate Mortgage as well as 3 installment loans. This information is incorrect. I have 1 Home Improvement loan and one Vehicle loan from XXXX XXXX XXXX XXXX. Please help me to have these incorrect items removed.

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 2022-03-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Friday XX/XX/21 I contacted my mortgage company for them to do an assessment on my escrow account. I am being charged {$460.00} per month for taxes and insurance. Which totals {$5600.00} per year. My property taxes for the year total {$2200.00} and my Homeowners insurance total is {$500.00} per year. This makes the total needed to cover both {$2700.00} per year. I am requesting an explanation as to why they are charging {$2800.00} more then what is needed to cover the escrow. When I first contacted the company by phone they told me that it would take approximately 10 days to get this looked at. It has now been over 3 months and still nothing has been done. When I contact them either by phone or email they tell me it will be another 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If CAPITAL ONE reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: TN
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 recently wrote you a request to look into the information that I had previously questioned. I don't allow e-Oscar or any other automated type of verification because it's inconvenient and makes me angry. I retain the right to launch a law suit against your firm or any company you represent if the material is not immediately reinvestigated and removed, and if you continue to break the law under the Fair Credit Reporting Act.

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 2022-08-31
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Medical Business Bureau , LLC, has been harassing me for a debt that it can not provide documentation for. Despite failing to produce documents supporting their claim they continue to take steps to negatively impact my credit score. Over the past 18 months they have : - Report duplicate accounts for the same debt - Report the same account on a monthly or even weekly basis resulting in the removal date being pushed back and ensuring this never gets removed from my reports while also being able to avoid removal of successful disputes. 
- Refused to remove or amend the facts of my account from their adverse collections reporting to the three credit reporting agencies. 
- After each successful dispute, they re-report the same account with minor changes as a way to circumvent my disputes and damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: MIDCOUNTRY FINANCIAL CORP
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: Investigation took more than 30 days

Complaint:
The company won a garnishment against me in a judgment on XXXX XXXX 2019. 
The garnishment did not commence until XX/XX/2019. 
The garnishment was paid in full on XX/XX/2019. 
The amount of the garnishment was XXXX After the amount was paid in full plus an additional {$20.00} that was not agreed upon the company never reported that the account was in charge off status and judgment/garnishment status. 

I want the company to accurately report the judgment and garnishment and refund me the extra amount that was over paid. 

This company held me XXXX for over two years. And refused to let me default on the loan. And then refused to reflect the correct status of the loan even after it had been paid in full. 

The company forced me to pay {$13.00} more that was not originally stated by the judge in the judgment against me. 

The company forced me to pay extra for the many mistakes they made and they continue to make more mistakes by fraudulently reporting false information.

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 2017-04-21
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had been unemployed and recieving social services on and off from  XXXX  til  XXXX . Most of the time from   XXXX - XXXX .  I repeatedly talked to representittives from Navient and explained my situation, and repeatedly asked for paperwork to get this on file. After probably 2 years of dealing with this, I finally got the correct paperwork & filled it out and sent it in to be told they never received it. They also put me on a {$5.00} a month payment plan for awhile which I did pay on, and then out of the blue I was sent a bill for over {$700.00} ... when I called and inquired about the change they told me I was no longer eligible, even though nothing in my employment or life situation had changed. I have been dealing with this company for many years now and they have never once made things easy or even practical How is a person receiving government assistance suppossed to pay the outrageous payments they bill you for? My loans are now astronomical because of late fees, interest, and every other charge they can possibly add to my total. My original loans were for way less then half of what Navient now says I owe!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2022 I put an add on XXXX XXXX to sell a XXXX to cover cost for my sons upcoming school year. XXXX XXXX going by the name XXXX contacted me through messenger wanting to buy the item. She ask if I had XXXX, I said to myself, well yea through my bank which only used once. Through my bank=safe, I thought. She sent i a {$500.00} payment using the email XXXX. I received an email saying from XXXX, right away, it said my payment was pending but I had to ask for another {$400.00} from her/him to make my account that only had {$180.00} to be able to get my money. So I messaged her/him back and she sent {$400.00} so it was a total of {$900.00} and I had to send her back the {$400.00} in order for the {$500.00} to be credited to my Chase account. So I XXXX her what I had which was {$180.00} and was gonn send the other {$220.00} via XXXX. But my husband snooping around me mentions that it seems like a scam to me. And so I ask if she/he can send me the money back and we just go everything through XXXX or meet up because she/he said they lived close by and when I sent that message she/he never responded. I immediately called my bank for help and they tell theres nothing they can do. So now my account is in the negative and I just hate that this has happened to me!!!!!

Company response to consumer: Closed with explanation