BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXXLate/Closed Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: NJ
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:
Asked for Deletion because of inaccurate reporting. They are continuing to report inaccurate information since XX/XX/2019 to present. XXXX XXXX wrong Acct no. they continue to violate the law by reporting inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Asked for Deletion because of inaccurate reporting. They are continuing to report inaccurate information since XX/XX/2019 to present. XXXX XXXX wrong Acct no. they continue to violate the law by reporting inaccuracies.

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 2018-10-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I financed XXXX through Paypal credit under a promotion offering 24 months interest free. On XX/XX/XXXX I financed around XXXX with a promotion of 6 months interest free financing. I wanted to pay off the balance with the 6 months interest free prior to the interest kicking in, so I made an XXXX payment on XX/XX/XXXX. Paypal applied the XXXX to the 24 month interest free loan instead of the loan ending in 6 months. Leaving me with 5 months to come up with the remaining XXXX before the interest kicks in. This seems like a deceptive practice as any other banking institution that I know of would apply the funds to the balance with the promotional period ending soonest, but Paypal states they apply the payment to the loan with the lowest APR first, or in this case the longest promotional period. So, they pay off loans that are at 0 % interest leaving you with loans that may be charging 19 % or more. This should not be allowed as it is unethical and stealing from consumers.

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 2018-05-24
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XXXX they had called my wife numerous time at work and was instructed she cant get personal calls at work. They continued to call her there at work three times a day and once they did contact her they cont. to keep calling we requested for the to stop all communication due to manner they were handling things. XX/XX/XXXX We received a call again with a guy that stated we never requested it for all the numbers and that they had all the proper documents and then processed to start yelling at me and being very nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Last XXXX I get a call about a debt on a credit card. I told them I didnt make those charges but they kept telling me they were gon na sue and it was going against me. That it would follow me and when I got a job they would garnish my wages. I paid 2300.00 but that wasnt good enough, they then served me from my local sheriff dept. I have since then set up payment arrangements because I dont want to go to court. But again this is a bit my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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 've had this credit card for 10 years. I 'm the poster child of the housing meltdown and the financial crisis and the recession. I spent over {$60000.00} trying to save my retirement condo in  XXXX - XXXX  and still was fraudulently foreclosed on. If Ba nk of America wou ld have left my on-line account access open, they would have had their money. They closed my account on-line even though I was paying every month. I want my account closed now. I did n't before. But, close my account with all of the obscene fees and charges expunged. Please look into this. My money runs out at the end of summer and so do I.

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 2021-11-21
Company: Franklin Collection Service, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX  XXXX XXXX XXXX and was injured at work ( XX/XX/21 ) at the seaport located in XXXX XXXX. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an emergency room visit. The injury was covered by Workman 's Compensation and I never received a bill from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ). Then Franklin Collection Agency ( XXXX XXXX XXXX XXXX, XXXX, XXXX ) sent me letters and called me in order to collect the hospital payment of {$1300.00}. I have explained to them that it was paid through Workman 's Compensation and even verified that with the Hospital 's billing department. They would not accept any of this and have just ruined my credit score with a derogatory statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing, Inc  is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.Convergent Outsourcing, Inc are in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.

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 2017-04-24
Company: Nelnet, Inc.
State: WA
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:
In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and  XXXX . I was able to research a bit more using   XXXX      XXXX   and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XXXX / XXXX / XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch  with Nelnet, Dept of Education, an d NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency. Nelnet reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports Nelnet as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have disputed the referenced account numerous times involving debt validation and violations of my rights as it relates to the FCRA. In  XXXX  and  XXXX  of  2017, I dis puted this referenced account. As several times before, the creditor removes the negative item. However, I received an alert from  XXXX  which reflects the item was re-inserted to my   XXXX   credit reports  XXXX  on  XXXX   XXXX  , 2017 witho ut notifying me.     Please assist in my request to have  XXXX  and/or the creditor remove the negative item reporting from my credit report. I have attached supporting documents for your review.

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 2022-04-28
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that XXXX listed XXXX accounts were properly investigated and resolved on several occasions ; but how is this possible if the Account Numbers, Date Opened, Number of Months ( Term ), Last Reported, Date Last Active, and the Date of Last Payment are not accurate across all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-11-25
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: Old information reappears or never goes away

Complaint:
Corporate business accounts with XXXX XXXX showing on personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-21
Company: Affirm Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I requested a virtual card for {$220.00} ... the card was then supposed to disappear. Affirm Loan Services added another charge of {$220.00} WITHOUT my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2017 I requested Wells Fargo Bank to pay my Water/Sewer Bill to " XXXX '' using their 'Bill Pay Service ' from my checking account. The XXXX payments sent on XX/XX/2017 [ {$30.00} and {$170.00} ] went to the wrong XXXX address. The payments were not credited my account with/by XXXX. XXXX required me to send payment again and I did. I filled a complaint with Wells Fargo and they refused to cancel the payment. They replied " our research has confirmed that this payment with no error on our part. '' I believe they had a duty to determine the depositor of these XXXX checks was the Payee Specified [ XXXX ]. They claim they have no way to retrieve the monies intended for XXXX [ specified payee ].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Equifax. Also I have sent my FTC report and my Police Report to them but still nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt PLEASEDELETE IMMEDIATELY! 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  of  XXXX   XXXX  approved a modification plan over the phone after ten months of applying and reapplying telling me the paperwork had not all shown up by fax. Only giving me the option to send by fax. I paid  five  modification payments  XXXX   XXXX - XXXX   XXXX  then received a letter telling me my I was disqualified for false reasons. Here is an article telling my true story of the mod from  XXXX .  XXXX  :  XXXX  Here is an article I helped write about the mod scam.   XXXX   XXXX     XXXX  This lead to my pro se case due to I could not find an attorney that would help me. The pro se case lead to me losing in an  XXXX  and losing my ability to protect my home from criminals trying to steal my home.  XXXX  ignoring the letter of FDCPA and the federal judge ignoring the same letter and all my pleas of help. Blocking my due process. I continued to send more FDCPA letters, RESPA QWR 's Homeowners Rights letters. Cease and Desist letters, TILA notices that were ignored.  XXXX   XXXX  and SPS sent  XXXX  to file judicial foreclosure in a non judicial state to skirt around my letters. Now I am in the Supreme court of Washington asking for review by my petition through an attorney. Blocked from most of my case being claimed and only being allowed to state no standing due to no evidence at the start of the case. No authentic note undated one copy no endorsement a second copy undated with endorsement. This has caused us extreme cost and extreme stress that I am surprised has not killed me. The judges ignor hearsay evidence in the lower courts and accept false affidavits and false notes with false assignments taking away our due process to protect our home. The courts have become collection agencies for crooks with no proof of being the lender or having authority to collect the alleged debt after pulling a criminal act of modification fraud on us. We are in danger of losing our home of ov er thirty five ye ars to crooked criminals. By affidavits by crooked lying lawyers representing these crooks.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has no proof the loan was deposited into the trust in  XXXX . Has not filed a copy of the PSA and claims to have actually committed securities fraud by an assignment to a REMIC seven years after the closing of a trust never finished or deposited to. The fraud assignment is in  XXXX .    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 2017-04-24
Company: Capstone Credit & Collection, LLC.
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:
eviction statement on my credit tried disputing asking for valid proof or some sort of documentation to confirm this was an account that belonged to me back in  XXXX   XXXX  no documents received also went through collection  XXXX  to have information dispute still remains active on my account after 7 years per my credit report this have been on it since  XXXX  of  XXXX .    * Capstone Credit Ser vices #  XXXX  ( this is the name of the creditor. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan lender is not applying my payment to the loan but only applying it to the interest.     Originally, my student loan was with  XXXX   XXXX  and now it is with Navient. The original problem was while I was in school they would immediately start to ask for payment during breaks and add interest even though I was in school. They never removed the erroneous interest. But now the issue is that none of my payments are being applied to the loan and are only going to interest. That means I will never be able to pay off this loan. When I contacted Navient, they said something about daily compound interest and that I should pay more than the note and that would be applied. That seems illegal to me.     I am finally back at a point in my life were I actually have a steady job and can make payments. When I was unemployed and broke there was no help anywhere. I tried to get a loan modification and was denied. While the loan was on deferment  XXXX   XXXX /Navient would constantly drop it out of deferment and place it on forbearance so they could add interest. And they would not remove the interest they added again erroneously. I now know all this is predatory lending. These so called clerical errors are n't errors at all but a way to steal from the customers.      XXXX  's education did not help me at all. All it did was put me in debt that is impossible to pay. I work in an industry totally different from these loans that I owe.     I am a  XXXX   XXXX   XXXX  Veteran and feel like my country has abandon me. Can you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Received threating calls, that Ace will persue legal and criminial charges against myself when I paid off a loan back in 2009. But do n't have receipt that proves I paid it off. End up paying them back XXXX so the charges will be drop.

Company response to consumer: Closed with explanation