BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Equifax to have a collection account that does not belong to me removed. I believe that they did not investigate this matter properly because it was removed from my other credit reports immediately. I received an email from Equifax stating that the dispute was complete and it wo n't even allow me to see the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I WAS A VICTIM OF IDENTITY THEFT AND I FILED A IDENTITY THEFT REPORT ON XX/XX/2019. IDENTITY THEFT REPORT # XXXX. I SET UP A IDENTITY THEFT PLAN WITH FEDERAL TRADE COMMISSION. IT INCLUDED CERTAIN ITEMS ON MY REPORT WHICH WAS REMOVED BUT XXXX  AND EQUIFAX REMOVED THE ITEMS BUT PUT THEM BACK ON MY REPORT 'S BUT IN A DIFFERENT COMPANY NAME. I GUESS THEY SOLD IT TO ANOTHER COMPANY. I DON'T UNDERSTAND AND DO NOT KNOW WHAT TO DO AT THIS POINT. I HAVE WRITTEN THEM SEVERAL LETTERS BUT YET AND STILL CERTAIN ITEMS STILL REMAIN ON MY CREDIT REPORT 'S AND KEEP COMING BACK ON THEM. THE NAME OF THE COMPANIES THAT STILL REMAINS ON MY REPORT WITH EQUIFAX IS PREFERRED COLLECTION WHICH ONCE WAS XXXX XXXX XXXX. IN THE AMOUNT OF {$380.00}. THE NAME OF THE COMPANY WITH XXXX  IS XXXX XXXX BUT IT HAS NO AMOUNT ON THIS ACCOUNT AND THE NAME OF THE OTHER ACCOUNT ON XXXX IS XXXX   NAME WAS ONCE WHY NOT/XXXX IN THE AMOUNT OF {$390.00}. I NO NOTHING OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was used as a reference for a personal loan, this person is apparently late on their payments because I continue to receive calls from the loan company asking me to inform person to contact them. I would receive almost daily calls couple months ago until I blocked the company 's number. I then started receiving calls from employees personal phones. I did tell the company twice to stop calling me but today I received yet another call from a personal phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Citizens Bank has missaplied my mortgage payments several times. They applied several partial payments to principal rather than to suspended funds. I did not instruct that any of the payments were to be applied toward principal. I began sending 50 % of my mortgage payment bi- weekly in XX/XX/XXXX. In XXXX I recieved 2 of the payments back and was informed the bank does not accept partial payments. However, every payment up to that point had been, accepted and I discovered many of them were missaplied. I have called several times since the end of XX/XX/XXXX to have this corrected. It is now XX/XX/XXXX. Each time, after many call re-routes, disconnections, and much time on hold, I was informed the information was noted, the issue is being worked on, and I would recieve a call back within a week. I have never recieved a call back. Currently my account shows the current payment due as XX/XX/XXXX, although, I have sent payments that should have been applied as mortgage payments, which would cover XXXX and XXXX. I was told during my first phone call that a hold would be put on reporting to the credit bureau until XX/XX/XXXX. The issue should have been resolved by then. The issue still is not resolved, and Citizens has reported my payment as late, causing my credit score to decrease drastically. My fist payment in the amount of {$3300.00} was due XX/XX/XXXX. The following payments have been sent through XXXX XXXX XXXX XXXX bill pay service and accepted by Citizens Bank since our closing date : {$1600.00} on XX/XX/XXXX, {$3300.00} on XX/XX/XXXX, {$1600.00} on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, {$3300.00} on XX/XX/XXXX. The following are dates that I have called Citizens Bank in attempt to correct this issue. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: FIRST ADVANTAGE CORPORATION
State: OH
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:
Company reported incorrect information to employer and got me fired. After disputing this they have told the CFPB they finished their investigation and corrected my report over a month ago. They've indicated the employer had been informed and that they mailed me a copy. As of today, at XXXX, employer has NOT received a corrected report and I have NOT received a copy of this through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2022 my loan transferred from GreatLakes to Nelnet as the new servicer. Upon transfer they wouldnt set up my account on time to make my XXXX payment on time. When they finally got the information transferred they had the initial total correct as {$20000.00}. After XXXX and XXXX payments I should have a total of {$19000.00} remaining balance upon transfer at Nelnet. My total however is {$19000.00}. I think this is going to continue to happen as its hard to get things fixed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 Phoenix Financial Services, LLC signed for a certified piece of mail containing a debt verification letter to verify my debt in which they were given 30 days written only to respond. It is XX/XX/2021 and Ive not received anything from the collection company. This debt is invalid because they can not prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently sent a dispute to this agency and their investigation stated that these accounts are accurate. I have provided proof to show an accuracy reporting also under 15 USC 1681 604 A section 2 states no consumer reporting agency shall furnish a account without book assumer written instructions I did not give this consumer reporting agency written instructions I am requesting that you show my written instructions on file to furnish these accounts XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Please see Complaints : XXXX and XXXX As you will see, both complaints have been discharged and closed due to PNC responding to my complaint by phone and by mail. Just because they responded ( I received a call from XXXX XXXX ) does not mean that they satisfied my complaint nor that they resolved the situation. The issue is that PNC rejected a check payable to me due to an " irregular signature. '' Not only had they processed a previous check from this person to me ( signed by same person on the account ), but it seems they failed to follow their own procedures to verify with the account owner that this was a valid check signed and issued by one of the account holders ( as told directly to me by the account holder ). Because I was forced to process their second and final payment by credit card, I not only incurred a {$5.00} service fee from my bank, but an additional {$39.00} in credit card fees ( per my credit card statement ) that I would not have incurred but for PNC. PNC is using the fact that I am not an account holder and therefore they do not have to discuss this issue with me. PNC 's failure to follow its own procedures resulted in a {$44.00} charge that I would not have incurred had they processed the check and verified the account holder 's signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citizens Bank has repeatedly ( betweenXX/XX/XXXXandXX/XX/XXXX ) played " fast and loose '' with the way charges post to my account, having them " clear '' in an order and way in which they are able to collect the most fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-30
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had been up to date for 5 years on my personal student loans. I received a phone call about debt consolidation. decided to move forward with it. ( later found out I was solicited by a third party ) made 3 payments to this third party company and they enrolled me into the federal student loan forgiveness program. problem is I did not know who had my loans. then, about a year later saw it come up on my credit report that I was 90 days late on payments, and saw the company that had my loans. Federal Student Loan Forgiveness program. so I contacted them and immediately got my loans up to date. the problem was I never got a notice in the mail or email. during my phone call it became clear that I was scammed by a third party, and after much deliberation with the person on the phone, they said if I can prove I was solicited by a third party they would fix my credit report. ( score went down by nearly 100 points ) so I wrote a report, got bank statements and printed out articles on the internet where other people were also solicited by Student Loan Relief Counseling ( or counselors ) and sent that into the credit dispute committee. I thought it was clear what happened. they had said that they sent notifications to my inbox I created, but I never did create one, and they also had the wrong cell number for me. so I was really unable to get the information to update my payments. 

They declined my credit dispute because as one person I spoke with said " we didn't tell you to work with a third party '' this was extremely disappointing. they said fixing the credit report had no negative effect on them, so I couldn't understand why they wouldn't want to help me out of a situation I was scammed into. it seems to happen a lot with the third party companies, you would think there was some firewall against that happening. Again, I was told my if I was able to prove I was scammed into the program they would fix the 90 days late, so I put a clear package together showing what happened, and instead it got declined and my credit score went down again. my credit score is still nearly 100 points lower than what it was before this all happened. And I wonder why a program designed to help people In financial need would be so short to dismiss these kind of issues. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: AES/PHEAA
State: UT
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:
FedLoan Servicing. My XXXX loans were through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I graduated with my XXXX  Degree FedLoan Servicing had my loans. They told me I had to consolidate everything for Public Service Loan Forgiveness. I consolidated in 2011 and since that time worked for a XXXX XXXX making payments which continued to increase each year as expected due to income driven repayment. Each year when I would certify they would tell me I had not done the certification in a timely manner and would say I owed about 900.00 ( two payments together ) or would make me take a monthly foreberance and take a hit in interest and principal. This happened for 5 years total. I have now also been made aware that because I was told I had to consolidate I missed the opportunity of loan forgiveness through XXXX. This has in return caused a significant increase in my student loans which are currently about 72,000 which FedLoan Servicing continues to service with outrageous interest rates and all my penalties in 10 years I will have paid almost 200,000.00 Each year I dealt with this gross misuse and unethical practices and threats. I have each certification from my HR rep and notes in my FedLoan account about my continued concerns for not being given the correct information or slow processing times and then being threatened with fees or outrageous payments. Thank you for any help available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for a XXXX Discount Tire Synchrony Car Care card after being told that it was the same thing as a XXXX card and would be accepted anywhere that XXXX cards were accepted. After multiple attempts to use the card in different locations they were all declined. The store managers at XXXX Discount tire at the following locations are specifically instructed to tell the customer that the card is accepted anywhere that discover cards are accepted. I know this because I was a manager there and was told this. When I asked for more information regarding this the Regional managers would reply with a script about not questioning things because we are proving help to the customer that can't pay. This happens in two specific locations and one manager would go as far as saying it would not affect the customers credit scores in anyway just to get the bonuses that were given for most sign ups of the card. The store is located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX and the manager that haas now moved up because of his lying to the consumer is named XXXX XXXX who is now at the location XXXX XXXX XXXX XXXX, XXXX, NJ 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 2021-04-16
Company: EQUIFAX, INC.
State: OH
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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: JPMORGAN CHASE & CO.
State: NJ
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:
OnXX/XX/XXXX I was charged {$1800.00}, which was not posted until XX/XX/XXXX on my credit card. This charge was not without my authorization, and since then I have been trying to get the credit card company ( Chase ) to dispute this billing. After numerous attempts and sending what Chase asked for in terms of documentation, Chase still has not resolved this billing dispute issue and keeps closing files on this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-24
Company: CURO Intermediate Holdings
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
OnXX/XX/XXXXtook out an online installment loan through www.speedycash.com in the amount of {$500.00}. Made bi-weekly payments of XXXX through XX/XX/XXXX when I put a stop to all automatic withdrawals. After running a credit report recently, I found I was turned into collections and looked further into www.speedycash.com. False license on their website as I tried to pull up their lender license number for the state of Illinois and did n't find it. Ran through all the speedy cash lenders, and the lender out of KS is 'inactive ' and has been since XX/XX/XXXX. False license on website, false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Centric Asset Management Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Centric Asset Management Inc has continued to contact me at my place of employment as well as my cell and my wife cell. We have writte letters requesting they stop as well as asking for debt validation letters. They have refused to stop calling and told my wife today they 'd just show up at my place of employment. XXXX XXXX is who called both myself and my wife today, my wife requested they send us a debt validation letter via USPS, XXXX XXXX stated that she 'd just show up at my place of employment to serve me with court docs. I do not believe this a valid debt and if it is it was not taken out by myself nor my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
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: Account status incorrect

Complaint:
I have tried to get XXXX XXXX deleted from all 3 credit bureaus on my credit report and it still continues to show up. I have documentation that these accounts no longer exist with XXXX since they could not validate the accounts and yet they continue to show on my 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 2021-04-16
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2021 : Discover denied application denied due to : LACK OF RECENT REVOLVING ACCOUNT INFORMATION XX/XX/2021 : Discover denied the application due to : RECENT REVOLVING ACCOUNT ACCOUNT INFORMATION NOW PRESENT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions Inc.
State: OH
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 disputed the account with XXXX XXXX Acct # XXXX XXXX with Experian, XXXX and XXXX. Experian conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is continuation of the pending complaint. just to clarify information in addition to what what I submitted in the complaint. 

1. XXXX informed me that servicer can provide me the print out of chain of assignments on this HELOC from XX/XX/2012 onwards in the XXXX system. My record shoiws that several creditors changed hands from XXXX. 

2. Also certified copies of all endorsements of the HELOC Note each time HELOC was sold from one creditor to another from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Listing on XXXX..CBM COLLECTIONS | XXXX XXXX XXXX XXXX XXXX | XXXX, MI XXXX PH XXXX XXXX XXXX Address identification number XXXX Account number XXXX  Recent balance {$16.00} as of XX/XX/XXXX Status Collection account. {$16.00} past due as of XX/XX/XXXX.
Date opened XX/XX/XXXX Details Account paid in full I contacted them recently after finding out I owed them, paid the initial off of 16, they informed me I had another pending amount, I paid that after talking with them and them informing me they would remove this listing.
Additional information paid in full in two payments, XX/XX/XXXX XXXX CBM SERVICES INC XXXX MI {$16.00}XX/XX/XXXX XXXX  CBM SERVICES INC XXXX MI {$80.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation