BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: TX
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Since XXXX I have disputed accounts with XXXX, Equifax and XXXX. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX XXXX XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had a student loan with XXXX for about eight years. The loan was recently transferred to Firstmark Services ( servicer ). Within two months of servicing this loan, this company is already playing games. It has changed the original amortization schedule of the payment and pushed it out several years without any authorization ( or any request ) from me. There is no change whatsoever in any underlying fundamentals ( interest rate, or any other even ) of the loan. 

They are elusive in explaining me and I can not get a straight answer from them for how they could do this or how do I change it back to original schedule / payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: SC
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 fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$140.00} Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX  Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute 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 non-monetary relief
Consumer complaint received 2020-12-09
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Citi-corp has sent a garnishment to my employer for some carpet that was purchased over ten years ago that was not in both my name and my ex husband name, XXXX XXXX XXXX never received any paperwork or anything from this creditor. This account is not on any of my credit reports. How can they garnish my wages when ive never received anything from them for court. Thank you in advance for helping me resolve this matter.

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 2022-03-16
Company: KSP Global Inc.
State: NM
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:
They called me telling me that I was probably eligible for a student loan forgiveness program based on my income. They asked me to give them my yearly salary to see if I qualified, so I did and they accepted me. They said I would have to pay {$340.00} a month for the first six months and then after that it would go down to {$320.00} per month. This was a lot better than the {$680.00} I was supposed to pay a month with XXXX XXXX so I agreed. They asked for a letter from my boss to verify that the information I was saying was correct. I did all of that and I actually received a letter from XXXX XXXX saying my student loans had been consolidated and that I was approved for the Income-Driven Repayment ( XXXX ) Plan so it seemed legit. I have been paying them {$340.00} a month since the XXXX XXXX which adds up to {$2000.00}. On XXXX this payment went down to {$59.00}, which I thought was weird since they had told me it would be {$320.00} a month after six months. So in total they have taken {$2100.00} from my account. Today, when I was getting my documents ready today for taxes I logged in to XXXX XXXX to print my tax form and realized that I still owed the full amount- I called them and they said I was most likely scammed since they haven't received any money from me and gave me this website. 


In the documents I am attaching you can see you I have been charged {$340.00} every month of the XXXX of the month ( I only provided my bank statement from XXXX -but happy to provide more documentation showing I have been charged this amount since XX/XX/2021. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-30
Company: PHH Mortgage Services Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The purpose of this complaint is to seek the mortgage servicer 's retraction of a credit reporting entry due to a payment processing error. On XXXX XXXX, I made a payment using the servicer 's online portal ( XXXX XXXX XXXX ) for the XXXX payment due. The payment was accepted via the portal, and I received a confirmation email. I received no further communication from the mortgage servicer until Saturday XXXX XXXX, when in the mail I received notice that the payment was past due. I immediately submitted a duplicate payment until I could troubleshoot the issue with the mortgage servicer 's customer service on the following Monday. On Monday, XXXX XXXX, the mortgage servicer through several calls to them advised that the XXXX payment was rejected due to them not being able to locate the checking account, despite this information being used several times previously. My detailed review of my checking accounts and my conversations with my banks did not reveal any transactions being presented by PHH, or any NSF fees /  overdraft charges or other activity to suggest that XXXX XXXX conducted the transaction for PHH. Both accounts contained sufficient funds. I did not receive any contact or communication from PHH noting there was any problem with thXXXX XXXX payment until the XXXX notice, which was too late and had already reported to my partner 's and my credit. The XXXX payment was processed, and satisfied the XXXX amount due. I have never before been beyond 30 days late on this or any other mortgage. I faxed a detailed request reflecting this summary to PHH 's Credit Retraction Team on XX/XX/XXXX but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
XXXX {$25.00} gift card that expires XXXX Starting on XXXX/XXXX/2015 XXXX or it agent partner emptied the funds from the card. Not only did XXXX have the funds to invest when the card was purchased, they " from the consumer perspective '' stole the money off the card before the card expired. This is just wrong and consumer abuse and fraud. 

Card ActivityPrint Friendly View of Page " RP '' indicates Recurring Payments TimeDescription/MerchantStatusAmount XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06
Company: DISCOVER BANK
State: MT
Product: Credit card
Issue: Billing statement

Complaint:
Discover card will not mail me a year end statement. I also need last years statements for taxes. They said I could sign in and print it. I can not sign in. I called them 3 times. They will not mail it like other cards. I cancelled my cards. They XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
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: Account status incorrect

Complaint:
This credit bureau has committed a violation of the Fair Credit Reporting Act by re - aging an old account that has been reported on my account inaccurately. That account is a XXXX XXXX XXXXXXXX account that has been reporting on my credit. They had re - age a XXXX XXXX XXXXXXXX account that is reporting on my credit report. When I log into my Equifax account its says that the XXXX XXXX XXXX account is 1 year, 3 months and 14 days old and this is false. I have enclosed a copy of my credit report with the XXXX  XXXX XXXX account for all to see. Kindly see the file attached It is illegal for any credit bureau to re- age any account and it is a violation of the Fair Credit reporting act. I therefore ask you to delete XXXX XXXX  XXXX from my credit report due to this Fair Credit Reporting Violation. A failure to do so will give me legal rights to take action against your company for violating my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: AVANTE
State: FL
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:
I've contacted the consumer reporting agencies several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint stems from a previous CFPB complaint filed on XX/XX/XXXX ( # XXXX ). Wakefield and Associates previously returned these accounts to their client after not verifying the debt and sending the alleged debts to credit reporting agencies. Now, Wakefield and Associates is attempting to recollect on these same debts, as well as other alleged debts that have been disputed with their client. The following are the dates, times, and employees ( when applicable ) I've spoken with over the course of the past XXXX years trying to resolve these alleged debts : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been told repeated by both XXXX billing and their local office administrator that this is being investigated and they'll get back to me. Each time, no further communication is had unless I call to inquire about the status. I am asking that Wakefield & Associates either verify this debt and provide the supporting documentation that was requested in a demand letter sent to them, dated XX/XX/XXXX, or they drop and return these charges indefinitely. 

Their continued attempt to collect on debts that were previously unverified and returned is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: TX
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:
On or about XX/XX/2021, XXXX, Equifax and XXXX  as well as the CFO 's of each were cc 'd and provided via Certified mail, a request to the original creditor, XXXX XXXX XXXX XXXX, to provide validation to the allege debt being reported to the credit bureaus see complaint XXXX. Nothing has been provided. However, even though XXXX, Equifax, and XXXX  are fully aware that no documentation has been provided to support the validation of account, they have failed to remove the debt. In fact, on XX/XX/2021, XXXX  concluded the debt to be verified by grantor for the third time but has no documentation to support their conclusion and they have concluded prior to receiving any response from XXXX XXXX XXXX XXXX regarding the allege account. ( see attached ) I have also been refused full disclosure of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I booked travel with Capital One Venture in XX/XX/2020. In XX/XX/2020 the airline cancelled the flights. I am still fighting for my refund with Capital One. They keep saying 1-2 billing cycles. It was cancelled in XX/XX/2020 by the airline. The airline has refunded Capital One, Venture but Capital One continues to hold my money/refund. I have spent in excess of 6 hours on the telephone waiting, and speaking with people who assure me the refund will be process immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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: Public record information inaccurate

Complaint:
Equifax has been reporting an inaccurate Public Record on my Credit profile since XXXX XXXX. I have requested proof of said record and any information followed. They have neglected to fulfill me on my request of validation of said item. 

I have also forwarded Equifax proof from the court whom they say verified the public record that they dont have a Bankruptcy under my name or Last 4 of SS I have sent copys of the Bankruptcy being found inaccurate by XXXX  and XXXX  as well as a letter from the court saying that they don't report to the credit bureaus.

This Bankruptcy has been found to be reporting inaccurate as a result of a investigation performed by XXXX  & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter in the mail regarding an amount from a hospital visit recently. I called the agency directly and ask for further details of the debt. They wanted me to verify who I am by asking for sensitive information. I did not comply and asked them to simply send me the details of the supposedly debt so I can verify it with the hospital. Also I called the hospital directly to verify the debt and they did not find such debt on their records. They refused to work with me not provide any details. I called a second time with no results. I emailed the company and received no reply. At this point I believe they are fraudulent. 

Their information is below ; certified credit and collection ( certifiedccb.com )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A wire transfer was sent to Coinbase, inc. in the amount of XXXX via XXXX XXXX with the following information : Amount {$610.00} Sent on XX/XX/2018 Description : XXXX Confirmation number XXXX Coinbase promises that Wire Transfers would be in the account in 2 business days, but it has not been credited to my account as of X/X/2018. After I made the wire, my account was locked from buying or selling. I filed a support claim with coinbase with case number : Case # XXXX I have not heard from them regarding this issue or my {$610.00} wire transfer other than an automated message regard the submittal of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A filing error was made by my attorney 's office when filing my trust documents. due to this error, my property value was uncapped and my property taxes went from {$5000.00} to {$150000.00}. Due to my escrow account with Bank of America I knew nothing about this until I received and Escrow analysis raising my monthly payment from $ XXXX to $ XXXX to make up the difference. They gave me 2 options : pay XXXX payment, or pay off the negative balance on my escrow account. I borrowed the money and paid the balance and closed my escrow account. ( in excess of {$10000.00} ) Over the next 6 months I worked with my attorney and the tax accessors office and was able to go before the review board where they recapped my property value. In XX/XX/2022 the XXXX XXXX 's office issued a refund for the over payment on my taxed in the amount of {$9000.00}. They returned the money to Bank of America as they were the ones who paid the tax bill. Since XXXX I have been attempting to secure a refund of {$9000.00} from Bank of America. From the list of names provided, you can see I have tried numerous times. On XXXX I spoke with supervisor XXXX XXXX XXXX in Pennsylvania, email address : XXXX, phone number XXXX who said she would expedite the refund, but it would take 2 - 4 weeks to process. It has now been in excess of 4 weeks, so today I spoke with supervisor XXXX XXXX no further identification was offered or received ) who told me the case number XXXX indicated there were detailed notes attached, but she could not locate them. She said she could not determine where the money is, nor when it would be refunded. they are holding my tax refund adn refund to return it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-04
Company: DISCOVER BANK
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I w alerted that I was a victim of identity theft when my credit card limitwas decreased from {$30000.00} to {$2500.00}. The delinquent account is withDiscover. It has been three weeks and I have not gotten cooperationwith them to remove this account from my credit report. I still, after threeweeks have not received an affidavit to complete, they are still using thefraudulent information when I call to confirm my identity to check for pro-gress on the investigation and will not release any information to me. Iwas told by one person that the affidavit was mailed to the address thatwas used to open the account, which is in another state, and not to me. II feel that I am getting no respect, no cooperation, and no help with thismatter, when they are at fault for opening the account with inaccurateinformation. They told me that there is no documentation of when I have callecalled to make inquiries. DISCOVER is not taking any responsibility/accountability forthis. I feel as though I am being treated as the guilty party when I aminnocent and trying to clear my credit report, which has been stellar untilthis incident.

Company response to consumer: Closed with explanation