BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: Ad Astra Recovery Services 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:
AD Astra Recovery Service alleges an account ending in XXXX which is unknown to me. I have asked for verification/validation of this this alleged debt be original creditor which has not been received. Violation of FDCPA and FCRA, as this has harmed me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX and I am disputing a hard inquiry on my credit report. On the night of XXXX/XXXX/2022, my older brother, XXXX XXXX XXXX, applied for a credit card with Capital One online. Within seconds of his submission, I received a hard inquiry for the application instead of his which makes an effect on my credit score and report. There could be a mix up between our credit information with XXXX as both of our SSNs are almost identical except for the last number ( my guess for this situation to have occurred ). 

I placed a dispute with XXXX online that same night and received an update that their investigation was complete the next night on XXXX/XXXX/2022. The report they provided me was that the hard inquiry was accurate and that Capital One should clear up the information on their end or fix it with XXXX. However, I called Capital One today, XXXX/XXXX/2022, and was told that the information under my brothers account and application were correct and that my account and information were correct as well. We were able to verify our names and socials within Capital Ones system and found no error there. I was told by Capital One to reach out to XXXX again for the hard inquiry and to let them know that Capital One has the correct information and was verified by my brother and I. 

This hard inquiry does not belong to me and should be removed from my credit report. I still do not know how and why I received the hard inquiry when the application was all under my brothers information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm being sued by a company for a past due card debt that I'm unaware of and was impossible for me to have charged these fee 's. I moved to XXXX early XX/XX/XXXX now its XXXX. The charges was made in middle an end of XXXX. I'm asking for my name be removed from this debt due to fraudulent charges made with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: AL
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 received notification from Equifax that information was updated on my report. The creditor reported inaccurate information that hurt my score significantly. They reported that my account was 90 days late on an account for the month of XX/XX/XXXX. The account was closed over two years ago and paid on XX/XX/XXXX. When I called the rep. He explained the account was in dispute and the case was not closed. But when I provided proof that his own agency reported the update from the dispute. He questioned how could that be possible if the case is still open. I provided proof from the company itself as well as FICO. He refused to help me by saying I had to wait until the dispute was finished. But I explained if the dispute was still open how could they report an update on the account in question in regards to my dispute status. I have provided images showing the dispute being updated by Equifax on this date. If they do not immediately fix this mistake I will take legal action. Their lack of concern was disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Navient Solutions, LLC.
State: IL
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:
I have reached out numerous times to find answers to our questions on the spousal consolidated student loans. Unfortunately, I have not been able to get the answers I need and am reaching out to you for clarification. 
My husband and I, under the guidance of Sallie Mae, took on a joint spousal consolidation back in XXXX. We have been in repayment since then. We have used a few deferments while off work for the birth of our children and then Sallie Mae sold or was renamed Navient. At that time, in XXXX, we then were told about the XXXX and have been in that ever since. We have paid over XXXX payments over the years and that is just since XXXX. I have no idea or can I find out how to find the number of payments we have made before that time. He graduated in XXXX and I was XXXX. 
Now, as you can imagine our loan has grown significantly since we have been on the IDR plan but I was very excited to see the new counting strategy. And then I come to find out because our loans are FFLEP we are unable to have the recount without consolidating into Direct Loans. After speaking to FSA, I was just informed joint spousal consolidations can not consolidate to Direct Loans before XXXX because they would have to be split first and this process has not been figured out. We have been paying on our school loans since XXXX and are still paying. I understand completely they are not paid off but I also know there is a 25-year limit. Unfortunately, since our IDR did not start until XXXX, we are now being told we are still going to pay until XXXX? On my Navient acct it says we started paying in XXXX. The person on the phone said XXXX is the count start? This has me completely baffled and I would like to know what to do from this point on. 
We now have three daughters in college and also have a PLUS loan out which we will be starting payments as soon as the freeze is over. I would like some sound advice for our own selves and also for my daughters and their future loans because as of now I feel both Navient and Sallie Mae have led me in the wrong direction in so many different ways. Our payoff amounts are less than the accrued interest on the loans and much more than the original loans. I understand accrued interest but the timing and recount I do not. Thank you in advance and please forward to anyone who can help. Please call with any questions. XXXX or email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Sunday the XXXX of XXXX I received an email form TD Bank that said I had opened a bank account. I then received XXXX additional emails saying that the phone number and email was changed. I called the bank and reported to them what had happened. They told me the account was closed as of right then on Sunday the XXXX. On Tuesday the XXXX, I received another email saying thanks for choosing us again, and looks like a visa debit card was sent out. The morning of Wednesday the XXXX I called in again to report the additional email and make sure the account was indeed closed, which I was told it had been closed. I was told by the fraud department to report the incident to FTC.gov which rerouted me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On JXX/XX/XXXX I started working for a company that sent me a fake check. On XX/XX/XXXX I went to Bank of America in XXXX, WA ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to cash the check having no idea what was happening and the bank closed my account immediately without even notifying me. When I went in to ask about my account they just said " I am sorry you committed fraud and will not be allowed in a bank of America establishment. '' I was XXXX XXXX XXXX at that time with no intention of ever committing any fraud. 

They wouldn't work with me to help me sort out my issue. Just XXXX all my accounts, sent my balance in a check and never helped me with anything. I tried going to the same location to find answers and they were not helpful whatsoever. 

I went next door to XXXX and they opened me a checking account without any questions so I didn't even know I had a block on my account until last week. Now I am married and tried to get an account with my husband and XXXX XXXX denied my request.

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 2018-09-17
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted this company regarding this account as my current report reflects that I've disputed and requested to be permanently removed as this account is not mines and placed on my credit report with this unknown company that I signed no obligations with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A fraudulent pending charge of {$440.00} to XXXX XXXX was noticed on XX/XX/2022. This is the second time this happened in 2 months. I called Bank of America to report the fraud and was told that when the charge moved from pending to posted, I would be issued a temporary credit of {$440.00} while it was being investigated. On XX/XX/2022, the charge posted to my account but no credit was given for the {$440.00}. I have called every day since XX/XX/XXXX to inquire as to why the fraudulent charge remains, but, after being on hold waiting for a representative, for minimally 35-45 minutes, I get transferred from one department to another, placed on another 45 minute hold, only to be disconnected. This has happened repeatedly. The computer that answers the phone does not give me an option for existing claim, only to report fraud. When someone finally does answer, Im told I need to speak to someone in existing claims. Im transferred again and am disconnected. I received a letter from Bank Of America XXXX XX/XX/XXXX, stating that the charge didnt go through after pending, but my credit card statement shows that it posted and has not been reversed. I dont have the time to sit on hold, waiting to see if a person will pick up and then be disconnected. In the meantime, they sent me a new card but I have not activated it. I need to have someone intervene on my behalf- please.

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are 7 unauthorized and unverified inquiries that were posted to my Transunion credit report on XX/XX/2020. I find these particular inquiries to be especially heinous, given that I was not present, nor had any knowledge of this act occurring. These fraudulent inquiries are damaging my creditworthiness in the eyes of lenders. Transunion has yet to provide proof of verification for these inquiries. I have made constant attempts to rectify the situation with the original creditors and Transunion to no avail.

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 2020-12-02
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been reviewing my consumer report in its relationship between I, XXXX XXXX and you TRANSUNION and I have noticed some unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-01-18
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was XXXX XXXX. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of Machol & Johannes. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado BBB and Rip Off report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Their investigation did not fix an error on your report

Complaint:
I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX  XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer.

Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

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 2015-08-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Have fallen behind on mortgage due to inadequate employment. Retired person on fixed income ( Social Security and retirement pension ) and received notice of intent to foreclose by loan servicer, CHASE, on XXXX XXXX. Have active application in process for loan modification that has been dragging on for 5 months. Have submitted numerous requests to CHASE for additional information that seems to be delaying tactics. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently bought XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 
and the autoloan provided for this is Fifth Third Bank. 

I was able to make payments on my Autoloan continuously from XX/XX/XXXX till XX/XX/XXXX. Issue started with XXXX payments. 

Issue : My Car dealer sold me a wrong Car with different VIN number it seems ( Attached are the request from Dealer in SMS texts ). They urged me to come back and complete the new paperwork that reflects the new VIN number of the Vehicle. Which I did apparently, and asked them would this be an impact to any where like Funds, credit reports etc but they said no changes at all and you should be good just with paper work ( This happened in XX/XX/XXXX ). After this episode I normally logged in to make XX/XX/XXXX payment and then the Loan account ( {$30000.00} ) shown as Paid off ( Online ). I received the Old Vehicle Title and New registration in the Mail as well. 

Looking at this I had called in the bank to identify who paid it off, and bank did not disclose it, After a week time from the week paid off, I decided to login again and make payments if any, this time the new loan amount ( {$30000.00} ) was posted back, but when I tried making payments they did not let me do that by throwing an error called technical difficulties. This happened almost 6-7 times, then I contacted the bank to figure out the issue and they started making different stories all the time saying My source bank had the issue, later on they said its locked, and once they said this is because you missed your current payment and its gone to collections already. 

Starting XX/XX/XXXX I made numerous calls to bank and figure out a way to clear this out, but they were not helpful in resolving this issue and keep on transferring my called to various departments. I tried contacting XXXX and they said they do not care about these things once Car is sold out of the Lot. 

Please look into this issue and attached are the Texts from the XXXX XXXX regarding this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls every week, sometimes three and four times every other day. They do not leave any voicemail. I requested they not call me and only reach me by regular mail but they refuse to comply.

Company response to consumer: Closed with explanation