BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: AZ
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act SENTRY CREDIT INC XXXX {$1300.00} - - - View Changes Account Information Address XXXX XXXX XXXX XXXX, WA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1300.00} Original Creditor XXXX XXXX  XXXX XXXX Past XXXX {$0.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I XXXX in XXXX with a stafford loan debt of {$38000.00}. The current balance is now {$70000.00} - insane. I consolidated my loan while still in school and never realized that I was doing so at a very high interest rate of 8.25 %. I 've tried numerous times to get them re-consolidated so I can get a lower interest but I 'm told that I can not do this. It 's unfair that I 'm penalized for the rest of my life for a mistake I made so long ago. I want to pay my loan off but find it impossible at this rate. They also convinced me to do forbearance and deferments and now I 've used all of them up. I am always strapped with cash because of this loan and it 's difficult to help my family out as well as pay for my expenses. My balance has doubled since I took the loans out. I need to lower my interest and get this balance down. My payments barely cover the principal. It all goes towards interest. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: AZ
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
i got a call from XXXX the man said My Name : XXXX XXXX XXXX i said whos calling please he said No i need the last XXXX digits of your Social Security Number and then ill tell you who i am! I said NO you will tell me who you are and what company your calling from sir before I 'll release any information to you! he said NO i will tell you that after you confirm the last XXXX of your Social Security numbers! i said NOT happening your NOT getting my personal information, i do not know who you are and what company your calling from so tell me that please! He said again No mame i need you to confirm the last XXXX of your Social Securtiy numbers so i can confirm i have XXXX XXXX XXXX on the phone! I said NOT HAPPENING SIR. GOODBYE IM REPORTING YOU! i got very upset knowing this could be a identity threat call so i blocked the number and told my husband cause im elderly and XXXX both. my husband unblocked the number and called it back to see if someone would answer and he could find out who these people where harassing me for my social security number. they answered B.C.A. finacial services and told my husband this number we have for your call is XXXX XXXX and give us the last XXXX of her social to confirm its her! my husband said NOT HAPPENING thats illegal to not disclose who your calling for and your name sir and he told my husband it was a financial matter meaning a collections for a dept. well my husband told the man that he was reporting them. i looked at XXXX of my collections papers that 's all i owe as of now and i did have on for BCA financial services, Inc a debt collection company for {$75.00} but the numbers to contact them on their paper is XXXX or XXXX not the one that called me and this is for a old emergency bill for XXXX. original creditor. for XXXX there address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX im really concerned that someone can just call and ask for your social security number. he did said it was a recorded line. I got the call on my XXXX cell phone number. My other concern is that people who go into collections from that nice hospital here can have their identify information possibly stolen. Thank you for your help and concern in this scary situation. XXXX XXXX you can reach me at XXXX or XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Forgery of XXXX certificates of my XXXX children XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) with the City of XXXX and XXXX XXXX XXXX for a mortgage loan at XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
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:
XXXX XXXX and Equifax continue to publish a collections in my name. Experience deleted the inaccuracy due to identity theft. I wrote to XXXX XXXX and XXXX XXXX and they have not blocked it from my report. I 'm a victim of fraud and have had great difficulty obtaining credit as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX 2017 Paypal Decided to put a permanent limit on my account and hold my balance of XXXX even though I was n't in complete violation of their policies, the false reason was because of a transaction of me selling a cream containing hydroquinone to someone in the XXXX when I called the rep and told them to review my account again and go over my transaction history because the claims are false and I already know that creams containing Hydroquinone is illegal without a prescription in the XXXX and XXXX . They refused to reason with me and still shut down my account and refused to let my access from funds to pay off my debts and creditors. 

After numerous calls, they continue to hold my funds. I decided to do my own investigating into the company and notice that in the state of Florida Paypal Holds a Money Transmitter License Type II which was issued to the company the statue that govern that License does not grant Paypal ( The License Holder ) To hold any funds from their customers longer the 10 days, After reading more into Paypals Holding a Balance Policy I notice that in event of the companies Bankruptcy their not obligated to make the funds available to their ''creditors '', I see this as abuse of power and their laws are very draconian to both consumers and business owners and slows down the economic growth of businesses especially small local business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one card services refuses to submit an " electronic request to remove inquiry '' from my credit report. They keep telling me they are still investigating this matter. I spoke to a supervisor XX/XX/XXXX and she assured me they will alert the credit agency that the inquiry was fraud so that the inquiry would taken off. Well it's now XX/XX/XXXX and the inquiry is still there and my credit score has gone down 14 points due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Commonwealth Financial Systems, 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: Problem with personal statement of dispute

Complaint:
I recently reached out to these reporting agencies regarding a medical debt. The information that was provided led me to believe that they have violated my HIPAA rights. One company say that the debt was started this year but its been several years since Ive seen a doctor other than my personal doctor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a car in XXXX XXXX with excellent credit. On XXXX XXXX I went purchase another vehicle and found out I owe a medical bill to Ability Recovery Service LLC. This was placed on my credit on XXXX of XXXX. I have sent a letter to Ability Recovery Service and faxed a letter to them on XXXX XXXX have called XXXX XXXX XXXX on this matter and they said the bill was paid due to a medical era. I am exercising my right under the FDCPA to dispute the alleged account and demand Validation. I am attaching you the letter I send Ability Recovery Service and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: LEXISNEXIS
State: OH
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 changed my name from XXXX XXXX to XXXX XXXX XXXX XXXX and it is still incorrectly reporting on my credit reports and I am try to purchase property and they can't do a background check on me because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is a checking business account I used for long time with Bofa as long as I was making money with the company at the XXXX. I'm not doing business anymore with that company and I was keeping a low balance and paying for a business credit card attached to this XXXX, when I paid it off, of course I wanted to close it and then the nightmare started with Bofa representatives over the phone, sometimes two hours on that, and the response was always no, for example, it was {$29.00} at that time in the XXXX and they said, well, you have some money still there, {$29.00}, so, I said, ok, send me that refund by check by mail and close the XXXX, again, no, we can't do that, so, I managed to get the XXXX to {$0.00} and forgot to call them again, to be honest with you, I don't have to much spare time to be on the phone for something like this, I'm working very hard to make a living, and now, they are charging me the maintenance fee, with no money in the XXXX, so, anyway I can pay for that, even if it is not fair, but, please, help me to close this XXXX and help other people that they don't know what to do on a problem like this, thanks.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-04-23
Company: SYNCHRONY FINANCIAL
State: MA
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-08-29
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2021, I received dispute letters back from Equifax showing multiple accounts were deleted off my credit report, yet they are still showing. I am in the process of sending a new round of letters with copies showing that the accounts should be deleted. There are currently XXXX accounts and XXXX collection/medical accounts still showing on my account that was supposed to be deleted in XXXX. 

These same 4 accounts plus one extra and collections are also shown on my XXXX XXXX account after notifying them Equifax has deleted the accounts off my report, so its mandatory for them to do the same. I demand remedy/relief from XXXX, for this has impacted my credit report and ability to get approved for anything with these negative, inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-08-29
Company: Ocwen Financial Corporation
State: WA
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 mortgage company Ocwen stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my XXXX XXXX and credit history. I am a Surviving spouse of XXXX XXXX XXXX member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, INC.
State: MO
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:
Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Equifax. I recently reviewed my credit report, and I noticed some inaccurate information. I made Equifax aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, Equifax sent me a letter ( FORM D ) only addressing one of two debts as valid. They did not address the other account I had disputed, and also did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). Equifax received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so should be deleted. In response, Equifax sent another letter addressing all of the debts ( FORM H ). I found that one of the accounts I disputed had been deleted, but other accounts were showing results of validation. Equifax still never sent me proof of such validation or any of the physical documents in my file that I had requested. 
Equifax is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they have not provided me with the physical proof of what they used to verified these accounts, they must all be deleted. 

Thank you for all of your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Incomm Holdings Inc.
State: CA
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:
Someone skimmed my card and started withdrawing funds from multiple ATM machines over two days. On XX/XX/XXXX Twice at a store in XXXX for {$100.00} each and then in XX/XX/XXXX twice again at a Bank XXXX XXXX ATM one for {$180.00} and a second one for {$200.00}. I filled a claim for fraud and it was denied stating that they found no error but I clearly told them it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
While I was XXXX, I had my Grandmothers address as my record address for my student loan because I move so much in the military. In XXXX from the military. The problem is, I never received notification of deferment needs/ payment requirements because my Grandmother had passed away and I no longer had her to forward my mail to me and I never received anything from Navient when they received the mail returned to sender. I only noticed the error when my normally stellar credit turned bad. I immediately contacted Navient set up payment terms, had deferments submitted for the problematic period of non-payment and even forwarded a copy of my Grandmothers obituary as a substantiating document to what had happened. I believed all was good however, Navient is reporting the period of non-payment negatively on my credit report when I had was unaware that the requirement existed. In addition to this negative information, they are reporting my loan broken into five separate accounts, compounding the negative information in that it appears I have 5 separate instances of non-payment. I recently tried to dispute the negative information on my credit report but Navient reported back that the information was correct and my credit remains negative even though I have set up automatic payments as soon as I was aware of the requirement.

Company response to consumer: Closed with explanation