BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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: Problem with product or service terms changing

Complaint:
Equifax 's check to find out if you were impacted by their stolen data opts you out of being able to sue them, or take part in a class action. They do not inform you of this fact anywhere on the website route to check your status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection company, Jefferson Capital System, is reporting a debt that I believe isnt mine. I have asked the company for the original contract with my signature, to prove the debt is mine, and they will not comply. Disputed wirh credit bureaus asking for same documentation that they are required by law to produce and credit bureaus closed out my dispute with what I feel was an improper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My XXXX XXXX card has been closed and paid via settlement since 2017. However, it still shows up on my credit reports with the credit bureaus with a {$950.00} balance and driving my score down. I've disputed several times this incorrect info with the bureaus and the results keep coming back as " information accurate ''. Please do something.

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 2018-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
if a person has a personal checking account with a bank and they write another person a personal check from that account and I go to that bank to cash that check that I do not have any account there can they charge you a fee to cash that check as high as {$8.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In the process of closing on my co-op and my mortgage company, XXXX XXXX XXXX, states the stock and lease is with an investor and should take up to 4 weeks to retrieve the documents. As of XX/XX/XXXX, it will be 4 weeks from the date they were ordered ( XX/XX/XXXX ) to procure them. As of yesterday, XX/XX/XXXX, my attorney states shes been calling and emailing the banks attorney and has not received any contact back. They know we are up against a clock and will be in breach of contract as of XX/XX/XXXX. As of right now, looks like Ill lose the sale of my co-op due to lost documents that are out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: DISCOVER BANK
State: CA
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:
DISCOVER FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, DE XXXX Discover wrongly submitted a HARD INQUIRY to the 3 major Credit Bureaus. 

I contacted them directly, they said they were in error but were not able to issue a Notification of Removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: SC
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 recently sent a letter to XXXX XXXX asking them to send me the accounting that was used on my closed account that they are marking as charged of on XXXX, XXXX, and Experian. They marked the account charged off in XXXXXXXX XXXX XXXXXXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. XXXX XXXXXXXX did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that XXXX XXXX comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If XXXX XXXX doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.

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 2017-09-08
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX and XXXX I faxed Equifax A six page complaint including drivers license Social Security card and a police report.in result to faxing them this I have contacted them over eight times verified their fax number and a department that it was sent to and they are constantly telling me that there 's no documents uploaded to their system or no way to locate my personal information. They refuse to give me any other updates and telling me that I have to dispute each account one by one and seeing in the documents over which I stated to them that I am not in the US and therefore all the documents have been sent to the US and not able to do so at the time.they also told me that it will take an additional couple of days from the initial time that I sent and the complaint the representative then open up disputes on that account I asked to backdate them to the XXXX which I was given the answer no. This is very unfair to me and my family because my credit is how I support my family without Credit I can not get a place to live a decent job to take care of my kids as a single mother I am all my kids have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: FL
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 inquires that I did not authorize at all I called all 3 credit burial and the only company that was able to help me was Equifax that disputed 20 inquires and the confirmation is # XXXX. I explained to XXXX  and XXXX  how I can get it deleted and they told me that I had to call each company and ask for a deletion form for the unauthorized inquires but when i started calling the company 's 4 of them told me that they have no record of anyone trying to apply such as XXXX  XXXX I spoke to a XXXX Id number XXXX and he assured me that no-one has tried to apply for a credit card with my social so when I call back both credit beau they told me to go to idnetifythefty.gov then when i needed help filling out form I called and they told me that I had to contact you guys. I have not applied for a credit card or loan in almost 2 years I only have 2 credit cards and I still have open accounts from them. I tried to put a fraud protection which I thought I had for 2 years and noticed all these inquires on my report last week I only check my report once a year because its free. I've had a police report when my purse got stolen from my car 4 years ago and I'm not sure if its the same people applying for credit cards under my name thinking they can get approved. XXXX  and XXXX  have over 22 hard inquires that I did not approve of. I just want them to be removed from my account its not fair that I am trying to fix my credit and someone just keeps using it. I will add all the inquires that i did not authorize down below and upload a copy. 
1.XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX 2.XXXX XXXX XXXX/XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX/XXXX  XX/XX/XXXX & XX/XX/XXXX 6.XXXX XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX/XXXX  XXXX  XX/XX/XXXX 10.XXXX  XXXX XX/XX/XXXX AND XX/XX/XXXX 11.XXXX/XXXX XXXX/XXXX  XX/XX/XXXX 12.XXXX XXXX XXXX XX/XX/XXXX 13.XXXX  XXXX XX/XX/XXXX 14.XXXX  XX/XX/XXXX AND XXXX 15.XXXX XXXX  XXXX XX/XX/XXXX 16.XXXX  XXXX XXXX  XX/XX/XXXX AND XX/XX/XXXX 17.XXXX/XXXX XXXX XX/XX/XXXX 18.XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 19.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 20.XXXX XXXX XX/XX/XXXX XX/XX/XXXX SOME OF THESE INQUIRE ARE MULIPLE TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted Capital One Bank and XXXX XXXX XXXX to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX I received a post card like piece of mail from Wells Fargo. They stated they had updated my address for my ( NONEXISTENT ) Wells Fargo account " in response to your request or a notification we received from the United States Postal Service ''. 
It ends by saying " Your address has been updated on the following accounts : XXXX Platinum Debit Card I spoke with XXXX and then XXXX in the " unauthorized accounts '' department. XXXX stated he had opened Identity Theft Case # XXXX and I should expect a call on Monday from XXXX. 

Last XXXX Wells Fargo sent me an actual credit card with a different ending stating I had opened an account. I filed a complaint with you and the bank and it was resolved. And now this. 
Please, please CARE. I have not had an account with them in over a decade and I was affected by their schemes back then. This is ongoing theft. 
On page 5 of your form you ask the billing address for the card. It is NOT my card and I have no real info other than the last 4 digits they sent. I put CO and my zip so I could submit the form.

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 2022-07-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Naviant has made it really difficult for me to be able to be able to provide accurate dates of when all of this has transpired so I am going to do my best. Over the last few years I have been making overpayments on my student loans. I have XXXX separate loans that are with Naviant that I made XXXX lump sum payment to them monthly to satisfy. When I was making my overpayments I was specifically selecting to not defer my existing payments so I continued to pay my full amount plus whatever extra I had. Additionally I would specify which loan I wanted the extra money to be allocated to. The first time they double charged me I let it go, it wasnt much money and the customer service agents would not listen to me about my overpayments and how I made sure to select all options to continue to be billed my normal amount but they said it was a system glitch and more or less they couldnt do anything about it. The second time this happened they tried to double charge me for the entire amount of my payment. Normally during this time I would pay Naviant around XXXX dollars, so when they wanted another XXXX from me in the same billing cycle I just simply couldnt let that go, I didnt have the money. I had to call and email and pretty much cry and lose my mind how I wouldnt afford to pay them twice before anyone resolved the glitch that happened in their system again. I was then chastised for not only making over payments, but for paying my bill when it became available on their site to pay. They advised that if I did not wait a few days and tried to pay too quickly they couldnt guarantee the system would glitch out again and essentially double charge me again and they cautioned that this wasnt something they would be able to fix nessacsrily every time. In light of recent economic impact on my loans and them going up again I am so afraid that they are going to put me in that position again for even more money. Please help. Attached is one of the examples of an overpayment that I was unsuccessful in getting them to understand was not a correct charge. All additional messages on the matter are also not available in my inbox so I find it suspicious they make you communicate with them via their mailbox but dont give you a way to see those past conversations..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The investor on my mortgage has been identified as XXXX XXXX XXXX XXXX see attached. Capital One purchased the corporate rights to XXXX XXXX XXXX, so they would effectively be the investor / owner. Capital One has denied ownership or any claim to the mortgage debt. Per CFPB rules and regulations, there must be transparency on all aspects of mortgage servicing and investor relations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: SC
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:
Someone tried to use my personal information to obtain credit/open an account on XX/XX/2021. I contacted both XXXX XXXX and XXXX XXXX to report this, providing all of the necessary information and placed a fraud alert on my credit record. Neither XXXX or XXXX opened an account, and they identified the inquiry as possibly fraudulent. 
Equifax refuses to remove the hard inquiry on my credit report, even though I did not authorize it. They said that it is a valid inquiry - not if it was fraudulent and not authorized. I want that hard inquiry removed as it has seriously damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-02-13
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:
I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report

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 2018-05-23
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I filed a complaint against Cavalry Portfolio ( see previous complaint XXXX ) One of my claims was that this account was eight ( 8 ) years old since date of last activity, 2 years past the Michigan statute of limitations and at least one ( 1 ) year past the allowed timeframe to report to the credit bureaus. 

Another claim I made was that Cavalry willfully re-aged this debt to allow them top place it on my credit reports. 

I received Cavalry Portfolio 's response dated XX/XX/XXXX ( see attached letter ) in their response Cavarly admits they inaccurately reported this debt as date of last activity being XX/XX/XXXX. 
Cavalry also admits this debt was charged of in XX/XX/XXXX ( something they willfully did not report to the credit bureaus. 
Cavalry also states the this account will no longer be reported to the Credit Bureaus. ( see attached letter dated XX/XX/XXXX. " We are no longer reporting this account to Consumer Reporting Agencies ( CRAs ) However, this account continues to be on my XXXX, XXXX and XXXX reports. Cavarly NEVER acknowledged they would contact the CRAs to delete this account. Although it is required by law for them top do so. 
Damages continue to mount against me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I seen a collections on my credit report that I did not recognize. I disputed this debt and asked for proof of service. XXXX months went by without anything about the debt. Then all of a sudden I was getting served on XX/XX/XXXX. I filled my answer worth the courts stating I did not know what this debt was and wanted proof of service. It took them tell XXXX to send a response. I am sure so they could add on three months of interest and charges. However, this medical debt I was made to believe was paid in full. My daughter was double insured. Even on the papers from the Dr office it is clear even after fighting with them that they only billed one insurence. I never received anything from the Drs office. No calls or letters from the collection agency so I had a chance to pay it. There was zero correspondence. So in court I offered to make payments without a judgement. I was just going to resubmit everything to my insurence after all this. But this collection agency wouldn't go down at all and also when I said fine I'll make payments it wasn't good enough for them because they want to put a judgement on my name. So I called on XX/XX/XXXX to just do a settlement amount and they wouldn't even work with me on that. Offering a cash payment of XXXX and was turned down. They are unreasonable to work with. My pro bono lawyer stated the same thing. This whole bill is unfair. It was right during covid which is why im assuming I had no letters or calls to try to take care of it. And then when businesses opened back up instead of giving people a chance they just pile on tons of charges as take you to court. It is absolutely unjust and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: KEYCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I stupidly sent {$210.00} using XXXX from my account at Key Bank to an email address on XX/XX/2022. I then realized this was a fake job scam. I did a live chat with a Key Bank representative on XX/XX/2022, asking if the transaction could be reversed and my money restored. This person said no, there was nothing Key Bank or XXXX could do to help. The bank should offer customers some sort of insurance in such cases, just as credit card companies do.

Company response to consumer: Closed with explanation