BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account Number : XXXX 90 days in XXXX XXXX 120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX, 90 days in XXXX XXXX, 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX. XXXX  Account Number : XXXX days in XXXX XXXX  120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX 90 days in XXXX XXXX 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is ARS Solutions for some reason they are trying to collect a medical debt from some place called XXXX XXXX XXXX which is apparently located in Tennessee for the XXXX but I've never been to any of those places so can somebody tell me how I have a past due balance and why it's on my collections under my credit report and I've tried to speeding it in contacting them and it's getting me nowhere

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 2023-08-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
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:
Inquire from XXXX on XX/XX/23, not in my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: OH
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 credit inquiries on my credit report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX 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 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 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 2021-10-26
Company: USCB, 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: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX while attempting to book a flight with XXXX XXXX, an advertisement for the American Express Credit Card appeared. Intrigued by the offer, I decided to check the terms and found that I met the eligibility criteria. Consequently, I proceeded to submit an application. 

I was excited to take advantage of the welcome offer, which required me to spend {$2000.00} within a specified time frame. I met this spending requirement as prescribed. 

After not receiving the welcome offer as expected, I contacted your customer service on 3 times. To my surprise, I was informed that I was not eligible for the offer, despite meeting the requirements as outlined in your terms and conditions. 

A promise was made to investigate this issue, and I was told that I would receive an email within a couple of weeks with further information. However, I did not receive any communication from your team. 

Feeling frustrated and concerned about the situation, I reached out to your customer service again on XX/XX/XXXX. The representative I spoke with was unable to provide any resolution, so I requested to speak with a manager. 

I was connected with a manager named XXXX ( XXXX XXXX XXXX XXXX ), who also appeared unable or unwilling to help me resolve this issue. 

Left with no other option, I sent an email to your customer relations department, but I received no response. 

On the same night, I contacted your customer service yet again to ensure that my concerns were being addressed. I spoke with a manager named XXXX ( XXXX XXXX XXXX XXXX ), who attempted to assist me but ultimately could not resolve the matter. 

My experience throughout this process has been incredibly frustrating and time-consuming, and it has left me feeling unsupported as a customer. I believe I have met all the eligibility criteria as stated in your terms and conditions and should rightfully receive the welcome offer as initially promised. The lack of communication and assistance from your customer service team, as well as my inability to receive a satisfactory resolution, has been extremely disappointing. 

I am now left with no choice but to consider submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this issue. However, I would prefer to resolve this matter directly with American Express if possible. I urge you to reevaluate my situation and take the necessary steps to ensure that I receive the welcome offer I was promised. 

I kindly request that you investigate this matter promptly and communicate the results of your investigation to me in a timely manner. I believe in the importance of a positive customer experience and hope that this issue can be resolved amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Theres a derogatory account from JPMCB card for the amount of {$9800.00} that was not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Called about 10 friends and family members saying that I owe debt when they have my address and phone number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? Transunion XXXX and XXXX continue to respond with verified I have already submitted the letter from XXXX XXXX  where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters transunion, XXXX and XXXX have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!

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 2021-10-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is showing a late payment from XXXX of 2018. At the time I didn't think much of it but now my credit score is being heavily affected by it in spite of my otherwise excellent track record.

At the time I never received any correspondence from Well Fargo that a payment was late until it had already been over 30 days past due. I remember making the minimum payment as soon as I noticed the balance, but the blemish still remains on my credit report. I have asked WF a few times to fix it but they haven't, so it still shows up as a delinquency. 

I've attached images of bank statement emails from XXXX and XXXX of that year, and it's clear that the minimum payment went back to the normal ( {$58.00} ) in XX/XX/2018, indicating I paid what was overdue. I would include statements, but those are unfortunately no longer available from the website. 

I have been a long-time client of Wells Fargo and this is the only blemish on an otherwise perfect track record.

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 2023-10-16
Company: ALLIANT CREDIT UNION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today I received a letter from XXXX XXXX at Alliant Credit Union stating that they would be closing my Visa account ending XXXX on XX/XX/XXXX due to alleged " suspicious and frivolous dispute activity '' and " nonadherence to merchant return policies '' without providing evidence or prior warning. I attempted to reach XXXX XXXX at the telephone number provided, but reached a representative who would only identify herself as " XXXX XXXX '' who told me she could not connect me to him. 

I spend over {$100000.00} annually on this credit card and am meticulous about disputing transactions when merchants fail to provide merchandise as advertised. 

I believe this closure may be in retaliation for CFPB complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Synovus Bank
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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: RentDebt Automated Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. XX/XX/XXXX (? ) XXXX, finished moving out with board member XXXX XXXX 's help. She took photos for me and cleaned the windows, noting the worn out but not broken by me equipment. I shampooed the carpets last. Perfectly clean, no damage. Put unwanted mattress out front exactly like move out instructions. There was no damage, and I was paid up. 
2. No bill sent to me ever. CA law demands in 1950.5g1 that the bill be sent in 21 days, let alone bill before going to collections. My first knowledge, and later confirmed their first contact, was to send it to collections without billing me. Per CA law, they had to bill me immediately so I could challenge the bill. They did not, so there is no bill per California law. Even without that law, this can't have gone straight to collections.

3. Many months later, learning that my credit was destroyed, I contacted XXXX XXXX, my renter 's insurance I maintained the entire time. Adjuster is XXXX XXXX - XXXX XXXX. She contacted XXXX XXXX and RDAC and for a bill, and they gave a loose summary, of half the original amount. She asked for a bill she can actually pay. She then asked me if XXXX should pay it, and as it would have been paid after being in collections some time and not go off my record, I told her not to so it wouldn't stay on my record as paid after months in collections. 
4. Asked by RDAC, XXXX, and whoever, the local manager refused to correct my file, on repeated contact for months ... She refuses, even though I have evidence against her. It would take thousands to go to court for {$750.00}, so she is intentionally ruining my credit and ability to move to any rental ever. {$750.00} for destroying the place keeps me from renting anywhere ever.

5. Recently finding that my credit rating is still destroyed even though I disputed this on credit reports, I disputed this and XXXX already came back saying it stays on my file. Per XXXX, you are the next agency to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an address for XXXX XXXXXXXX Maryland reporting on my consumer report, that is a result of Fraud. There are also 2 duplicate XXXX XXXX ending in XXXX accounts that are identical reporting TWICE on my report AND they are erroneous. I DEMAND THAT THESE FRAUDULENT ACCOUNTS AND ADDRESSES BE REMOVED IMMEDIATELY. Please note that I intend to sue if these are not removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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: Investigation took more than 30 days

Complaint:
I have been disputing this error on my credit report for the past 4 months and nothing has changed. I am now being violated as a consumer and these bureaus are causing me mental anguish by reporting inaccurate late payments on my credit report. I have never made any late payments on any of my accounts yet these bureaus are still being stubborn by reporting the 1 late payment on 14 of my student loan accounts. This will be my final attempt to rectify this situation as it is highly affecting my credit score from what it should be reflecting as currently. TRANSUNION IS ALSO WELL OVER 30 DAYS OF RESPONDING TO MY LETTER THEREFORE THE SIMPLE ITEM I AM REQUESTING TO BE UPDATED NOW MUST BE UPDATED BY LAW.

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 2021-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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