BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: PA
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 noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my two year contract with XXXX XXXX and never received any statement from XXXX of showing balance is due.With XXXX  services I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you prepaid the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: MI
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:
Experian refused to remove invalid/unverifiable informationand/or the account/tradeline for my XXXX XXXX XXXX subaccount XXXX per their response to XXXX. Experian claims the " data furnisher '' ( XXXX XXXX ) refused to remove the erroneous data and verified it as being " correct. '' In its place, Experian then accepted a round of " new '' erroneous data from XXXX XXXX, thereby housing the erroneous data in their systems depsite at least fifty ( 50 ) prior complaints and disputes that provided susbtantive evidence indicating the data supplied by XXXX XXXX was incorrect. As example, evidence and summary of events of misapplication of payments leading XXXX of XXXX is attached.

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 2017-06-04
Company: SYNCHRONY FINANCIAL
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:
My credit was stolen several years ago.  ( Around four to five ye ars ago ).   I was inform by IRS when I was going to do my taxes. To this date I still have give a pin number to do my taxes.   I do not know what this debt is about my husband & I are retire & are upset & & worried about this. I just found out today when I check m y credit score.    All I know that is fro m Ge Money B ank  XXXX . The amount is apro x  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 2019-12-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had 3 transactions overdraft me for XXXX dollar fees each and i am having extreme difficulty trying to understand why of the merchants reversed those charges then why the fees cant be reversed either and i have to wait until XXXX next year for any posdible bank fee refunds. I have had extreme issue with my updated chase app not showing what my actual and current available balance is as well as the chase.com website available balance having the same issues as the app

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my Second Complaint with Equifax first ID was XXXX since the first case was Closed by Equifax with the statement they were going to send me a Letter which they did telling me once again to Mail my Personal Info to their po box or FAX. I have been trying for nearly 2 yrs to get Equifax to allow me to access the Account I created with them in XXXX after trying to access the Account I created in XXXX that Equifax no longer recognizes or excepts the username/Pin/Password and they continue to refer me to their Customer Service number that when I can get thru to I'm told to send all my Identification including my SSN/Drivers license to a Fax or po box in XXXX GA which I did in XXXX and again a Month ago and still have never heard anything from them and still needing them to Unlock my online account and stop the Back and Forth between their Customer Service with the same Poor XXXX XXXX Representative asking Sensitive Questions that I can't even begin to understand and their Ridiculous Expectation to MAIL or FAX and as much as I'd like to Protect my Identity I really don't think Equifax should expect People to Trust them or anyone with all that Information on a FAX or po box somewhere in XXXX GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Navient Solutions, LLC.
State: PR
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  XXXX  my student loan provider went from   XXXX   XXXX   to Navient. I was on auto pay with   XXXX   XXXX  . One day I received a letter in the mail stating that   XXXX   XXXX   account was Closed and the new lender was Navient therefore they were not going to charge me anymore and that i should wait Further instructions from Navient. First communication with Naviet happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since   XXXX   XXXX  . Not a problem I said, lets pay. The representative at Navient walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from   XXXX   XXXX   to Navient was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus. Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the Two Navient accounts. I wrote them a good will letter to remove the incorrect information and they declined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from   XXXX   XXXX  . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on Navient 's part. I still pay my loan to this day and i have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not sure where to turn. I received notification from XXXX XXXX about a new collection that is reporting on my file that I knew nothing about. It's a company called Ability Recovery Services. It shows it was for a medical provider XXXX XXXX XXXX XXXX XXXX and opened XX/XX/XXXX. I have not been to the hospital in years so I called them to find out what this is or if this was a mistake. They told me it was from a debt back in XX/XX/XXXX. I never received anything in writing about this from Ability Recovery or anyone else for that matter. I asked the customer service person what location it was and she didn't know. I asked what they would settle for and she said {$700.00} I know had I was made aware of this at the time I would have been able to get help from the provider on the cost. The women told me that I should have done it then when it was with the provider. Again I was never told or I would have. She was extremely rude and all I was trying to do was get 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 2017-06-03
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I contacted this company to pay for any debts they held in my name several months back.
I reviewed each item and paid all of them -- except for a court fee that I told them I would not pay because the   XXXX   XXXX   XXXX   XXXX   had wrongly ticketed me over four years ago. Their officer routinely picked up my dog from my house, would hold him ransom For hours ( I would know he had him within minutes ), and then charge me large fees to get my dog back.
I spoke to someone and cleared all debt, also found out there were several amounts around {$5.00}, and under {$100.00}. I asked why I did n't know about those, and the debt collector told me it was because it was such a small amount that they would never try to collect it.
I paid everything except the city fees.
Today, a woman appeared on my porch, she was very aggressive and began yelling at me when I asked her who she was. She said she was an officer of the court and I had to tell her who I was. I asked her her business and stated that she was on my property and I was not going to answer her. She said, " then you 're so and so '' and shoved a court summons through my screen door. I asked her several times why she was b omg so aggressive and she repeated that she was n't, she was an officer of the court and that I needed to answer her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: DISCOVER BANK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Discover credit card, ending in XXXX, that is presently under a reduced interest repayment plan. The plan has been in effect since XX/XX/2021, and the company has in the last 30 days reported me as being late for payments, while under the protection of the repayment plan that goes for 12 months. The company has refused to remove the late reporting with all trade lines and as a result has adversely affect my ability to maintain good credit, or obtain new lines of credit. This action is a clear violation of the Fair and accurate credit reporting laws, and is viewed as Unfair Deceptive Acts and Practices. I am Demanding the reporting of being late, while under a repayment agreement, be removed from all trade lines immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
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:
These accounts in my credit file are from unauthorized use of my credit report. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

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 2019-12-10
Company: Experian Information Solutions 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:
Experian and XXXX are reporting incorrectly a collection in the amount of {$1500.00} on XXXX XXXX XXXX account number XXXX***. ( Please see page attached from my credit report. ) This medical collection account was reported recently on my credit report and is fraudulent. I called the collection agency and this account is from a hospital in XXXX, Arizona. I have not lived anywhere near XXXX, Arizona for over ( 17 ) years. They said that the collection was for my daughter whose name is either XXXX or XXXX. ( The representative was very difficult to understand. ) My daughters name is not XXXX nor XXXX. The names are not even close to similar. My daughter does not live in Arizona and she has her own health insurance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this line item 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 non-monetary relief
Consumer complaint received 2018-05-31
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In summary, I have had XXXX XXXX auto and life insurance policy for several years. They wrongfully canceled my auto policy based on inaccurate information they collected and following the IRMA related claim without notification. They refused to correct and reinstate auto policy after several discussions.

As a customer in good standing and none of the claims were at fault, not only did the XXXX XXXX failed to provide advanced notification and refused to provide information at my request on my online account, the reported the history of claims is compromising my obtaining another policy. This appear to be a disruptive deceptive business action that is also threatening to suspend my driver license regardless of my safe driving record.

Further, it is within law to file claims in legitimate accidents or events. It is insurer obligation to honor the policy and it's their obligation to pay on claims based on their policy, such as mine where I paid for several years to have XXXX limits and uninsured motorists coverage. The consumers should NOT be penalized or discriminated for following regular process of filing claims or requesting road assistance, and particularly related to natural disasters.

If States enforce that all citizens to obtain insurance coverage which I have had continuously for many years and have been as safe driver, it is our right to have enforcement the fairness and legitimacy of Insurance companies processes in handling those coverages. There have to be limitations on arbitrary policy cancelations for long standing customers.

Please note, they didn't drop my other policy on Life Coverage. Following the same logic, they would collect the premiums and cancel when it's time to pay.

Additionally, I question how many other Floridians lost their policies right after Irma related claims with XXXX XXXX or likewise unethical carriers.

State agency has NOT provided any help in correcting this action.

XXXX XXXX   <XXXX> Re : [ SR # :XXXX ] LexusNexis also failed to take action and make appropriate corrections on compromising records that are threatening to suspend my driver license.

Product : XXXX XXXX Claims Bundle Report Confirmation Number : XXXX Order Date : XX/XX/XXXX  XXXX XXXX  Other insurance companies, namely XXXX, XXXX XXXX and XXXX refused coverage XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimComprehensive XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimAccident resulted in injury to myself XX/XX/XXXX ClaimNon Chargeable - No Payment Made

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is my third complaint against Ditech. I believe they are committing fraud and everyone should be aware of this. I 've called many times to have my account adjusted and either they would make excuses or put me on hold and then hang up on me without returning my phone calls as they said they would. Every month I make a payment to them on a timely basis but I receive an email confirmation with a different amount. When I call them for an explanation they are very evasive and do not have a direct answer for me. Why is my account number on the website different from the  Modification Agreement  account number? I believe they are moving money around the accounts to cook their books, just like   XXXX   XXXX   XXXX   did and Green Tree Servicing. This needs to stop. I will continue to file complaints against Ditech until this is resolved.  Ditech  should not just be sending in a letter to the Consumer Financial Protection Bureau that my account is being rectified because that is a complete lie. How do I know if all these payments that I 'm making every month is going towards my mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account Shows Late/Charge off. This account was never late. 

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-25
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:
n 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

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 2022-04-08
Company: EQUIFAX, INC.
State: MI
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 2019-08-28
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: Account status incorrect

Complaint:
I was an authorized card user on 2 individuals Kohl 's account. I requested to be removed as an authorized card user ; however, for some reason the accounts are still being reported in my credit bureau reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
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 ( letters attached to show when I disputed account below )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My first experience  with   Sychrony bank was with my TJ Maxx card, they lowered my limit based on my credit score. It was low then so I did n't complain, I just paid off the account and closed it. Next, was my JC Penny account. I have been a card holder with JCP fo r 15 years. I paid off my account in full back in  XXXX  and was informed in  XXXX  that my account was closed. Pe r Sychrony, my credit score  was low in  XXXX   2016 , so they closed the account. At the time they closed the account, my score was  XXXX  points higher than their quoted score in their letter. I have  XXXX  more account  with Sychrony,  my Care Credit account, which I will close so as to not do business with this company or any retail outlets that use th is Company  as their primary credit car d issuing Company. I n the meantime,  XXXX   XXXX  will be getting a majority of my business as their cards are owned by  XXXX  and they consider me a credit worthy consumer, so they raised my limit {$1000.00} for being a loyal customer. My hard earned money and credit will never be spent or utilized with ANY establishments  who use Sychrony in any manner or form when it comes to their business and customers.

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