BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am a victim of Identity Theft, my name was used to open a XXXX account and XXXX cable account. I contacted both companies, disputed the accounts, both creditors provided me with letters stating they acknowledge the accounts were fraudulent and would notify the bureaus to remove the inquiries. On XX/XX/XXXX I mailed a certified letter, tracking number XXXX, including my police report, DL and proof of address advising Equifax to remove this. Equifax failed to remove the inquiry. On XX/XX/XXXX, I again disputed the XXXX and a XXXX inquiry off my report and Equifax again stated the inquiry is factual and told me to call the creditor. I already included copies of a letter from XXXX clearing me of the debt in XXXX and a letter from XXXX XX/XX/XXXX showing I contacted the creditor, yet am being told to contact the creditor. 

Equifax is failing to complete an investigation timely and accurately, they are impacting my credit rating and reporting items that are fraudulent to my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed a particular account with Equifax on several occasions. The final results were always that Equifax has verified the account as accurate. The account in question is listed on my Equifax File as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Ohio XXXX ; Account number XXXX. 
I contacted this particular company via XXXX certified mail requested validation of this account pursuant the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The company failed to respond to my request and I submitted a claim through the Consumer Financial Protection Bureau ( Case # XXXX ) and the CFPB were unable to contact the company to receive validation either ; the contact number listed on my equifax report is invalid and will not work. I received an email from CFPB regarding this company that I filed a claim against and spoke with XXXX who confirmed that the CFPB were unable to contact this collection agency with the number that is listed on my Equifax Credit report ( XXXX ) ; I spoke with her on XXXX/XXXX/2015 at XXXX. 
Being that I was unable to receive validation as I requested and the number listed on my Equifax Report for this company is no longer in service, I would like to know what verification did Equifax receive to determine from their investigation that this account and the information being reported about this account is accurate. I have disputed this information several times with Equifax and each time they determined that this account was verified and validated and it is accurate. Per the Fair credit reporting act and the Fair Debt Collection Practices Act, by law I am entitled to receive validation regarding this debt. Also by law, when Equifax investigate a dispute, they are suppose to receive competent evidence to verify/validate the accounts instead of assuming that it is accurate. This account is not accurate by no means, matter of fact it is listed under XXXX different names on my file with the same contact information. Again, I need to see exactly what documentation Equifax received to determine this information was accurate since they did a fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: NV
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a credit freeze with TransUnion when my social security number was stolen and was being used for fraudulent tax returns. TransUnion claims they have no knowledge of that request. I made the same request with XXXX  and XXXX  in 2008. 
I have registered with TransUnion, but I can never login. I was recently told this was fixed and I did login once, today I can no longer login. I don't know if they just have bad IT or of this is a way of discouraging the public.

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 2015-11-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
HSBC Bank enrolled me in paperless statements without my knowledge, approval or acceptance. As a result, I never received my paper statement in the mail, which I rely on to ensure I make timely payments, and missed 2 monthly payments. They have now reported my delinquency to the credit bureaus ruining my perfect payment history for over 20+ years. I 'm sure my credit score has been adversely impacted due to the reported delinquency. They did waive the Late Fee, but did not offer to correct my credit bureau report. My request is to correct my credit bureau report to reflect no delinquency as a result of this bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Prosper Marketplace, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took out two debt consolidation loans with Prosper Bank and paid timely on both loans, I reached out to them in XX/XX/2020 to see if they could lower my payments since collectively they were over {$1300.00} per month which was fine when I had a roommate, but they moved out due to loss of work in early XXXX. They told me that there was nothing that they would do for me at this point since both loans were in good standing. I was hired as an XX/XX/XXXX for the upcoming XX/XX/XXXX, and this was going to help me get through COVID since having another person move in during COVID was out of the question since I am considered at risk. Due to COVID, I was never scheduled for work with the XX/XX/XXXX XX/XX/XXXX. I called Prosper once again, and they told me that they would not help me, again since both loans were in good standing. I had been taking out payday loans, borrowed from my XXXX, and paid my other bills on my credit cards until XX/XX/2020, I stopped paying. I contacted them again and they offered me " a deal '' on one of the loans which was still not sustainable in the current environment, and the other they said that they couldn't do anything for me. That loan has been sent to collection now, and they are threatening to enter a judgement against me. I fully intended on repaying, but I do not have the means and they will not accept anything but the full amount of the payments at extremely high interest and carrying it over another year at the rate that they are charging would cost me thousands of dollars. Even though I contacted them, they still placed me with collections which is wrong!

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 2016-09-09
Company: North Shore Agency, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had residential wireless service with XXXX XXXX. Due to the frequency of my paycheck, I normally paid half my bill in the first 30 days post billing, and the remainder in the next 30 days. My contract ended with XXXX in XX/XX/XXXX. As per usual I paid half my bill within the first 30 days, and planned to pay off the remaining balance in the following 30 days. However, XXXX XXXX charged my account off into collections without properly notifying me of such. Further, the balance that was sent to North Shore Agency was incorrect and did not reflect a payment I had made on the account during the first 30 days post-billing. North Shore sent me an initial notice demanding payment of {$130.00}, which was incorrect. Since I was unable to reach North Shore during their very limited ( XXXX-XXXX M-F ) business hours, I went to their website to dispute the debt. I never received any notification from North Shore that they had processed my dispute and have not received any validation documentation in the mail. It has been two weeks. 

I have paid this entire balance with XXXX. North Shore should be held responsible for its failure to adequately ensure the balances they agree to collect are accurate, and for their inability to process a consumer dispute and request for validation, especially in light of recent rulemaking released by the CFPB intending to curb just such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Greenback Recovery Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
She said I 'm under final legal review and will give you a state mandated notice of intent. Should you wish to face your accuser and have a right to give your personal input. The lady that called said her name was XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online XXXX mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - XXXX attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF / Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact XXXX, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake.

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the restaurant is always slow in XXXX. XXXX has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

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 2021-01-08
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 is missing that should be on the report

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. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-03-23
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I received a letter from US Bank stating " Thank you for contacting Cardholder Services about recent changes of address. This letter confirms that your address change request has been processed ... ... '' " If you did not make this request on your account, please contact Cardholder Services by calling the number on the back of your card to speak with a live customer service representative. '' On XX/XX/XXXX, I called US Bank and they would not tell me what had been changed. I then called XXXX ( XXXX XXXX XXXX ) and they told me my street address was changed from " XXXX '' to the post abbreviation " Ter ''. US bank told me that they would call me back to provide the information once it was investigated but they did not call me back. On XX/XX/XXXX I logged into the US Bank website to transfer my unemployment from the prepaid card to my bank account at XXXX XXXX XXXX but found that my account at US Bank had been locked and they would not tell my why. They told me I would have to call XXXX. I called XXXX on XX/XX/XXXX but they had no knowledge that the account had been locked. I am attaching a copy of the letter I received from US Bank. XXXX already confirmed my identity when I filed for unemployment on XX/XX/XXXX. There is no valid reason for US Bank to lock the account. XXXX asked that we call them back tomorrow to talk with a specialist in regard to this matter. Their so busy that it is hard to get through to them and talk with a specialist. They were not notified by US Bank that the account had been locked and neither was 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 non-monetary relief
Consumer complaint received 2015-07-15
Company: Global Portfolio Recovery, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continuously receive calls from Global Portfolio Recovery claiming that they access to my social security number with a claim against me that I owe on a debt that I am unaware of. They call my work and cell constantly! It gets to the point that I need to put my phone on silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion, I have made them aware of the fraud inquiries due to identity theft and they won't remove them. it's 70 inquiries its no way I would do something that stupid. i have reported over and over since 2021 and inquiries have still been made now I put a freeze on all my reports, please help me get these inquiries removed for good thank you

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 2018-06-21
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 have a loan with XXXXXXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXXXXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: First Federal Credit Control, 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 information incorrect

Complaint:
I get a medical bill for {$1000.00}. Doctor office when I contact XXXX they tell me not. That my balance is {$230.00} after insurance. I send FIRST FED CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The information of XXXX. They still want me to pay {$1000.00} to remove this account from my credit report. I tell the I will happy to pay the {$230.00} that I owe. They say no. I dispute thru credit report agencies they say the collection company want all {$1000.00}. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed a payment to Citi on XX/XX/XXXX for {$10000.00}. 

I have had 4 separate calls with Citi since they received my payment and cashed the check on XX/XX/XXXX, but the payment still hasn't applied to my account. 

It has been over 30 days since they received this payment. Every time I call I get the same answer, which is that the payment will post in a few business days.

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 2022-10-12
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, someone used my debit card information to make XXXX purchases from XXXX in the amount of {$1100.00} per purchase. They actually attempted a fifth purchase, but due to a limit on the card, I was able to cancel the card before it went through. I reported this yesterday to my bank Regions, but was told the charges were still pending and I could not submit the fraud claim until the amounts actually posted. They said this would occur today -- XX/XX/2022, between XXXX and XXXX XXXX. I contacted the bank again today, and the amounts XXXX x {$1100.00} are all still pending. I have now been told that I have to wait until tomorrow to submit the fraud claims. Right now, my account is about to be overdrawn due to these charges.

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 2020-03-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Called the company on XX/XX/2020 to reduce the interest rate ( 16.99 % ) after the Federal Reserve cut their rate a full basis point to 0 % I was told that the bank was unwilling and unable to reduce the interest rate on the card which left me confused since I have a mortgage and other credit cards with single digit interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received an email from XXXX XXXX XXXX demanding payment for a loan and threatening legal action. Also my social security number, informing my employer, and I have to contact them immediately or else! I received the email at XX/XX/XXXX ... .in addition I have never had ANY association with this company or payday loans. This is after they have already been cited for these practices and been ordered to pay millions because of this in XX/XX/XXXX! This is XX/XX/XXXX. I refuse to contact the company because I wo n't give them ANY personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had my PSLF application sent over from XXXX to Mohela back in XXXX. I have been unable to get through to anyone to tell me the status of my application since then and it is now XXXX. Most recently Ive been on hold with them upwards of two hours with still no rep to answer my call much less any questions. The deadline is soon approaching and Im worried I wont be able to have my stuff taken care of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation