BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a text stating the following : Citi Fraud Free Msg : We declined a payment of {$1700.00} that has been initiated in your account through your Citibank Mobile Banking. Reply yes if this was you, If not, please cancel through this secure link here : XXXX XXXX XXXXXXXX From phone # XXXX I do not have an account with Citi so it is clearly fraudulent.

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 2017-01-20
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I attended career point college for 17 days. They ultimately shut down. I did not complete one class or receive any credits from this school. I am now harassed by student loans for a loan I did n't even use. It was for over XXXX and over XXXX when when interest will accrue. This is unheard of to me. How do I owe something that was given to a school that shut down and I did n't get a chance to use or benefit from

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-01
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: Account status incorrect

Complaint:
XXXX I purchase and item from XXXX XXXX. I did t have the card the store clerk wrote down my account number the next month, I paid the bill according to the account number given. It was wrong. They did not apply it to my account and the monet is lost in their system. I have over paid this account and they are negatively reporting g my late payment refusing to do and investigation

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
I am still waiting on Transunion to fix another problem with a 25 year old issue thats showing up on my report thats not mine and today theres something on my report that has no information of where it came from, when it was opened, who opened it, and I have NEVER taken out a payday loan in my life!

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 2023-04-18
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-12-07
Company: EQUIFAX, INC.
State: AR
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:
In XXXX I wrote a letter requesting verification for items on my credit report that are inaccurate. To this date, I have yet to receive verification, a response from the companies, nor a removal of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In XXXX I wrote a letter requesting verification for items on my credit report that are inaccurate. To this date, I have yet to receive verification, a response from the companies, nor a removal of the inaccurate information.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-20
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had checked my XXXX XXXX  a month ago to see what my credit score was and had come across a Collections account from XXXX XXXX, ( XXXX XXXX XXXX  ), for the amount of XXXX. It's apparently from XXXX XXXX but I had never received any bill from the hospital themselves and hadn't received any letters from XXXXXXXX XXXX pertaining to this debt either. It was just on my credit account randomly, negatively impacting it severely. After disputing it with XXXX, they removed it the same day without question as I'm not the only person having issues with these companies. Fast forward to today, XX/XX/2021, I receive an actual letter in the mail from another collections agency for the SAME EXACT THING, as soon as I had this disputed. The company name is Capio Partners ( XXXX XXXX XXXX ), also for XXXX. I looked up the reviews of Capio Partners and all of the reviews of the business is claiming that they've called the hospitals/wherever they got their medical stuff done the collection agency is claiming, and they've been told they never owed any debt. Tons of the reviews are claiming these companies are scammers. I'm not wanting to get another credit collections ding on my credit score and ruin it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAD A DEBT WITH XXXX AND IT WAS PAID, UPON PAYING XXXX I WAS NEVER ADVISE THAT THEY SENT IT OUT TO A COLLECTION AGENCY, SO PAYING XXXX AND I THOUGHT THE DEBT WAS SETTLED, I GET A MORTGAGE LENDER TO PULL MY CREDIT AND XXXX XXXX XXXX IS ON MY REPORT WITH THE SAME AMOUNT OF DEBT I PAID XXXX, I CALLED XXXX AND ASK THEM WHY THEY ARE REPORTING ON MY CREDIT AND WHY I WAS NEVER NOTIFIED BY THEM OF THE DEBT, THE TYPICAL RESPONSE IS THEY SENT OUT THE NOTICE I NEVER RECIEVED, I DIDNT HAVE A CONTRACT WITH XXXX XXXX XXXX NOR WAS I INFORMED BY NEITHER PARTIES, XXXX ARE XXXX XXXX XXXX THAT IT WAS IN THE HANDS OF THE COLLECTION AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards XXXX  the incorrect items on my credit report. It has been over 60 days XXXX  I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXXACCOUNT NEED TO BE UPDATED PAYMENT HISTORY.

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 2020-09-12
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently my credit report was pulled and I was told that I have a collection report form Sequium ( collecting for XXXX XXXX ) I have been a client and still am a client of XXXX   and XXXX XXXX since 2015, so I didnt understand why they were reporting me as a collection. 

So today I first called Sequium. A lady by the name of XXXX answered. I told her that I wanted to find out why I am being reported in collections with XXXX XXXX as I am not behind on anything. She asked for my name, telephone number and zipcode. She then asked for reference number. I did give her my name, telephone number and zipcode but I didnt have a reference number as I had never received anything in the mail from them. I did ask if she could look up my account with my social security number and she said she couldnt. She said she wasnt able to locate my account and she wasnt able to explain why they are reporting me as a collection I then called XXXX XXXX and spoke to a lady named XXXX ID XXXX. She is in the billing dept and said then there is no balanced owed and no lates showing in the system, and couldnt tell me why I am being reported as a collection on my credit report. 

Please help me get this removed as this is clearly a mistake. I spend 3 hours today but got nowhere. Thanks for your help! I am attached a pic of that section of my credit report so you can see how they are reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
XXXX XXXX XXXX XXXXXXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last report is not act. This ground for removal they also violated my right under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions

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 2018-12-28
Company: ZWICKER & ASSOCIATES
State: MI
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:
Multiple times daily and weekly from Zwicker and Associates throughout 2018. Repeated calls after I sent a cease and desist letter in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: NC
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:
Please look at the attached documents, the personal information you are reporting are not mine.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

XXXX XXXX XXXX NA XXXX XXXX XXXXXXXX XXXX XXXX NA XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX

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 2022-12-08
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit today, XX/XX/2022, I found a debt collections account open. I was never noticed or contacted about any debt or debt collection for {$120.00} with ConServe. I don't even have access to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This private student loan is listed as " charged off '' on my credit report, but is no longer held by XXXX XXXX. It was apparently sold by XXXX XXXX to Navient. Navient claims they sold it to a third party and have no records since XX/XX/2008. I can't figure out who has it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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: Was not notified of investigation status or results

Complaint:
On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the Equifax data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Nelnet, 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:
NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} How can you say that this account is verified when Im still seeing inaccurate information being reported? There are three different dates of the last activity reporting. Isnt the date of the last activity supposed to be the same in each bureau? How can you immediately report this account 90 days late when theres no late payment before that?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: GREAT LAKES
State: MS
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested my loan information and the right to be placed on a rehabilitation program and they refused my request, for the income driven rehabilitation payment plan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 never did any business with these companies yet they have unauthorized inquiries on my credit file. I've never signed a contract with these companies for anything. I did not authorize any inquiry on my credit file and Ive never given permission verbally or in writing to anyone to pass my information to any of these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
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: Problem with personal statement of dispute

Complaint:
Dear CFPB, I have been disputing several accounts with this company and I submitted proof that they are reporting false, inaccurate information. I showed them what the three credit bureaus are displaying and showing them that the accounts are not 100 % accurate. I have sent them several letters and month after month they reply that they " verified it as accurate '' or that the accounts belong to me without supplying the proper documentation. I told them that e-Oscar and automated responses are not acceptable forms of verification and keep asking them for viable proof, such as a contract bearing my signature ; and still, with all the proof I have submitted disagreeing with them, they refuse to delete these erroneous accounts or to provide why they believe they are reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX has not updated my account status from derogatory to settled/paid. 

XXXX XXXX has not updated my account status from derogatory to paid. 

XXXX XXXX has not updated my account status From derogatory to paid.

XXXX XXXX has not updated my account from derogatory to settled/paid. 

XXXX XXXX Has not updated my account from derogatory to settled/paid.

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 2022-12-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX Balance XXXX {$690.00}

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 non-monetary relief