BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19, I sent a follow up letter to Equifax requesting they re-investigate the verification of a collections account with the company : XXXX/XXXX XXXX XXXX, in which they replied, explaining the account had been verified. In the follow up letter I requested the procedure in which they used to verify the accuracy of the reporting. I asked that they provide me with names, addresses, telephone numbers of each person contacted regarding this alleged account. As well as any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. I specifically noted that any automated response or XXXX verification would not be accepted. Equifax did not provide me with anything that I requested from their re-investigation. I'm asking that the fraudulent account be removed from my credit report immediately. 

Thank you for your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am submitting this complaint about XXXX XXXX/XXXX XXXX. This account was not reporting to the 3 major credit reporting agency 's. I spoke with customer service last week and was told they will report this account to the credit beauors. Today XX/XX/2020 I received an alert on XXXX XXXX that the XXXX XXXX account was removed from my report. I don't understand this as the account was never reporting. My score also dropped 4 points due to this. I am requesting that XXXX XXXX please report this account that has a {$4800.00} credit limit and the account is paid in full with a XXXX balance. Never late. Having this excellent amount of credit available plus paid in full will help my credit score increase.

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 2018-02-03
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or About XX/XX/2018, after reviewing my credit score ( XXXX ) I contacted the XXXX XXXX company in XXXX, Wisconson about a new collection/chargeoff. After providing my personal information the agent stated that, I owed that debt and the only way to settle it would be pay it off. Being unemployed and XXXX I needed no more setbacks, I honestly wasn't sure of the many doctors visited which one it was ; I just didn't need my credit score dropping anymore. The amount the agent stated did not match the amount on my XXXX report and she said it was for another bill due to that same hospital?? so she added that on. I asked what I could pay and she said she would see if they would offer a settlement, she returned and said they offered a 20 % discount and that I would have to pay it all at one time, and this would be written as paid off on my report. So I agreed to pay it off in mid XX/XX/XXXX likely with tax return money. I later found out she misrepresented herself and gave false information regarding any arrangement/agreement or contract with this hospital to settle. I also believe she violated my rights to fair credit collecting practices and manipulated me into paying on a debt, without giving me any evidence that I owed. I had no contract with XXXX XXXX, beforehand and was coerced into that mid XX/XX/XXXX payment as the only option available. At a minimum If XXXX XXXX, is willing to accept a " settlement '' payment they should have provided me a written statement validating the debt, the original lendors willingness to settle and the outcome this would result on my credit report. Non of this was provided. I have never had a CREDIT CARD ( except secured ) and its these very same tactics that exploit our attempts to establish credibility and credit worthiness. My credit score has been adversely effected by these collecting practices and reporting. I went to XXXX to begin a dispute however on XX/XX/2018 after successfully logging in I was unable to select any fields or enter any statements. So I am left to begin a mail in process and hopefully have this resolved. Your assistance in this matter is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On numerous occasions I have had to resubmit financial documents to Naviant in order to have my student loans rehabilitated. I gather all of the need documents such as daycare receipts, bills such as mortgage, utilities and car payments. Each respond that we have received back regarding the submitted documents range from sorry but this form was not included or sorry we need you to resubmit all your documents. This has been on going for a year now. I call naviant today XX/XX/XXXX to discuss making a payment to my account which is supposed to be around {$270.00} a month. The customer service representative tells me that Im supposed to make a monthly payment of {$1300.00}. I told her about the rehabilitation payment of {$270.00} a month and asked her where she got that larger number from. She hangs up on me. I call back to Navient and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: LEXISNEXIS
State: TN
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:
In XX/XX/2022 I filed bankruptcy to save my home. My lawyer said if my mortgage company approved my loan modification then there was no need to go through with the bankruptcy. The mortgage company approved the loss mitigation so my lawyer said not to make the first bankruptcy payment so it would be dismissed and removed from credit. It was dismissed in XX/XX/2022 for {$0.00} but they are STILL reporting it in my credit reports hindering me from receiving jobs and any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
THIS COMPANY IS HORRIBLE THEY SENT ME RESUKTS OF MY DISPUTE IN THE MAIL SHOWING IT WAS DELETED BUT ITS STILL IN MY FILE REPORTING IM A VICTIM OF IDENTITIY THEFT AND THEY HAVE MY POLICE REPORT TO BLOCK IT ANd they sent me the results showing deleted but its still reporting when I call they refuse to delete even having the evidence sent from them to me they claim they have a system error not being able to update my file or delete them their crazy and dont update it with the investigation results I received by mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: SUNRISE CREDIT SERVICES, INC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone in another state has been using my tin or social to get phones from multiple companies. I have had a freeze on all accounts for more than a year once I found this out. For some reason the phone companies keep allowing this person to get phone after phone, even though I have a freeze on my credit reports

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 2023-01-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chex System furnished a fraudulent account on my consumer report. And it has came to my attention that I was discriminated against because Chex Systems shared my consumer report which involves a fraudulent account on my consumer report. I did not give Chex Systems permission to share my consumer reports with any other organization. 
Pursuant to 15 usc 1681m ( B ) - If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall, to dispute with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency. My rights have been violated. Chex Systems did not verify the debt. I was never notified when this inaccurate information was furnished, and I was never notified during this company 's initial investigation that you were going to report this information.

Pursuant to 15 usc 1681 ( a ) ( l ) - This grave error has undermined my confidence in this company 's procedures, and as a result if this I will no longer by extending credit, and if this information is not removed, I no longer want my information in your company 's database. 
Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. You all did not insure that this information is correct and you did not exercise your grave responsibility with fairness and impartiality.

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 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transunion is back reporting an account that has been deleted, The company is XXXX XXXX. A few weeks back Transunion removed this account I have documents ; nowXX/XX/XXXX I get a email saying Transunion is back reporting it! This company doesnt do investigations throughly either how are you going to take a account off then allow this  company to put it back on!!! CFPB look into this!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Blackhawk Network Holdings Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have two prepaid ( general purpose ) visa cards. On the card it says " FUNDS DO NOT EXPIRE ''. However, the two cards do have expiration dates which have passed. 

I logged onto their website and tried accessing the remaining balance. The balance shows that I have funds on both cards but that since the card is expired I can not use it. 

I tried calling the customer care but it is an automated system that does not offer any resolution and no other mode of contact. There is no way to use my funds and no way to contact the card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS XXXX ATTENTION DISPUTE DEPARTMENT ASSETCARE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ASSETCARE XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27
Company: ONLINE Information Services, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a medical imaging  bill sent to collection that i thought shouldve been taken care of by my insurance provider. Im trying to fix my credit and now to try and buy a home. I called the the collection agency to resolve this by paying it but they told me they were not authorized to take this off my credit report. I did not pay it because i was told my my loan adviser not to pay if they could not get it off my report because it wouldnt do us any good. The date off the collection was on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Rent Recovery Solutions
State: TX
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:
09 XXXX XXXX XXXX XXXX has hired a Third party company " Rent Recovery Solutions ''. To collect a debt they say I owe to XXXX XXXX XXXX XXXX. 

I have NEVER had a contract with " RENT RECOVERY SOLUTIONS '' NOR did I give them my expressed written consent to contact me by phone.. I'm asking that " RENT RECOVERY SOLUTIONS '' proves any alleged debt that I have with " RENT RECOVERY SOLUTIONS '' pursuant to 15 U.S.C. 1692g, for them to validate their claim of debt against me.

I am asking that " RENT RECOVERY SOLUTIONS '' proves that I have a lawful contract showing I owe them a debt.. 


I am with reasonable belief that the Respondent is in violation of the following : Using deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair or unconscionable means to collect or attempt to collect the alleged debt ( 15 U.S.C. 1692f ).

I am asking that proof of debt with " RENT RECOVERY SOLUTIONS '' be established for the record.. since it can not be produced I ask that such FRAUDULENT report be removed at once..

Also have a UCC-11 from the Secretary of State filed that proves I have NO DEBTS. All liens and dents are recorded and kept with the Secretary of State he has no proof of this alleged debt so how can it exist if not by claim? Please remove erroneous statements off my credit. As public servants. 

Please provide proof of debt with signature from Me " RENT RECOVERY SOLUTIONS ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Recovery Solutions is demanding payment from me for an odious debt that they have not legally validated as required by law as belonging to me much less that I have any legal obligation to honor a debt that has not been legally validated as being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: CITIBANK, N.A.
State: CA
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:
On XXXX/XXXX/17 @ XXXX I made a CC payment of a parking ticket associated to SFMTA in lieu of receiving a " hearing to contest '' the citation ( XXXX ). The condition with SFMTA is that you must pre-pay the penalty to acquire the hearing. The amount was {$280.00}. The hearing was ruled in my favor, and the ticket was dismissed.
CITI CARD refuses to refund/reverse the charge, stating that I needed to provide a valid credit card slip. This is not possible since the merchant ( SFMTA ) did not provide a copy of the credit card slip when requested. The transaction was completed using a digital CC machine ( point of sale terminal ) at the customer pay window, and the only thing I received was a copy of the receipt.
I provided CITI CARD with copies of all supporting documentation, which included : - a copy of the ticket - a copy of the transaction receipt.
- a copy of the bill of sale - a copy of the letter I received stating that the hearing was ruled in my favor, thereby negating the validity of the transaction, providing proof that the amount needs to be returned.
CITI CARD is refusing to reverse the charge and directing me to " take it up with the merchant '' to achieve a resolution. It is my firm belief that the responsibility falls firmly with CITI CARD to protect/defend its customers from these kinds of local government merchants/organizations. It is not the customer 's responsibility to battle with the merchant ; it 's the credit card company 's responsibility to protect its customers.
So much for taking care of your 10+yr customer. Not acceptable. I will be taking my facts-supported situation to social media.

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 2019-03-13
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have previously made payment arrangements with Discover. Discover continues to make multiple harassing telephone calls to me at my telephone number as dated in detail below : XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 

As you can see, this far exceeds the once daily telephone calls & is considered to be harassing at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed previously claim against them and I was told all it was stoped because they keep calling me for debt that has nothing to do with me whatsoever they just stole or bought my number from someone just because of same last name. When I first filled complained they apologize sent me letter confirmation that it mistake and they shouldnt be doing that yet after that I got more than dozen calls from them. Debt has nothing to do with Me just because of same last name I almost lost my job today because I got angry started yelling at XXXX calling me. Need help to stop this or is there a ways to file lawsuits against them they wont stop they are stealing or by numbers hoping to find people they are looking for just because of last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In the past, I filed complaint against ( Pennsylvania Higher Education Assistance Agency ) about the consolidated loan term that I never agree with and the borrower has never signed the loan documents and I am wondering how they did without the borrower 's consent. So I need to have all documents relate to the consolidated loan term.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Selene finance / XXXX XXXX  XXXX The above company is a 2nd/junior lein on my property. The cheated us all the way no documentation has been sent to us regarding foreclosure, when i called they said its not their job to notify. It happened in XXXX Arizona where state still have a moratorium till XX/XX/XXXX. These people dont care looks like they all break law when they have to beat the poor.

Company response to consumer: Closed with explanation