BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-02
Company: CCS Financial Services, Inc.
State: FL
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 XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXXXXXX and that account will remain on my credit report until notification from XXXX  XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX  XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX  XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXXXXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX  XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Western Union I made money transfers listing myself as the reciever. I did not pick them up Within 30days then Im told they no longer have access to the transaction they would need to further investigate the matter. With there back office They sent a few letters as this concerns a few transfers of which for were for XXXX $ And 4 for XXXX $ .after repeated inquiries from me stating that the money was paid correctly. I am the sender and the reciever. I repeated told them I have not picked up my the money then after so much time passed they state that the money transfer has been picked up. I ask them by whom they respond with the person listed I once again inform them that I had not picked up the transfer. I then ask them to provide the merchant location where the transfer was paid out. they refuse stating its confidential. I Have told western Union time n time again I am the sender and the reciever and I have not picked up these money transfers. They just dont care. Im out {$1800.00} total from these unprocessed money transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by CREDCO OR ANY OTHER COMPANY, and including the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Convergent Resources, Inc.
State: NY
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:
First of its being written off as loan when i XXXX original creditor its said it was a gas company and second of it saying the debt is from around XXXX XXXX but a missed XX/XX/XXXX and its just been flagged on my file as of XX/XX/XXXX so for the last time this isnt mine amongst other debts listed on my file ive been disputing over and over with the same results i havr never had utility with such company nor are they providing debt validation the reason is the same over and over once ive attemped to fix my and the person ive updated my info with is credit bearue and now these collection company are pulling my file without my permission and being contacted about debts that are not mine being flagged for collection thats not compromising my credit score without no valid proof any of it being mine HELP!!!

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion, XXXX and XXXX was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.

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 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion is reporting incorrectly that I am 60 days past due on XXXX XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2017-08-02
Company: North American Credit Services
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: Information belongs to someone else

Complaint:
Spoke with the company responsible for the inquiry on my credit report on XX/XX/2017, was told that they do not remove inquiries, and that it remains. I have also contacted XXXX the credit reporting agency where the inquiry is showing. Neither attempts have been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Bank of America mortgage agent XXXX XXXX ran my credit without my permission on XXXX/XXXX/17 after I called to inquire about a mortgage program Bank of America has. I filed a complaint with the CFPB to request Bank of America have it removed after they would n't help me when I tried calling them. Bank of America said they would remove it. I was sent an inquiry-removal form with the wrong inquiry date, despite emailing a form to XXXX XXXX with the correct date ( I have attached a copy I sent to XXXX XXXX to this complaint with my ssn and phone number blocked out for security ). The date should be XXXX/XXXX/17, but Bank of America has it listed as XXXX/XXXX/17. The credit bureaus wo n't remove it with the incorrect date. I have tried contacting the Bank of America employees involved, including XXXX XXXX, who is supposed to be my contact my person on this, on multiple occasions regarding this, but have yet been given any kind of response as to whether they will fix their latest mistake, but have yet to receive any kind of response.

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 2022-08-10
Company: Kingston Data & Credit International Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Kingston Data And Credit for committing identity theft. I have never given Kingston Data And Credit any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from before they Kingston Data And Credit committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Kingston Data And Collect can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Kingston Data And Credit can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Kingston Data And Credit continues its collection efforts, I will file for litigation for actual damages caused and Kingston Data And Credit will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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: Account status incorrect

Complaint:
Account never 60 days late at all and never 40 days late in XXXX or XXXX extensions were placed on file. 

As you can see from the attached call logs they were contacted over 21 times. The company states no such contact took place but the call logs clearly show otherwise. Additionally each of their responses has always differed. A transfer of equity application was submitted over 7 times. The late fees assessed are in 100 % absolute dispute as part of a dispute in XXXX they agree to waive these now state otherwise. 

Then they replied stating pay within 72 hours we will waive which was unrealistic and scandalous considering the amount was already in dispute. The supervisor stated they were processing the transfer while they were in dispute as the customer they were transferring to confirmed he was aware of everything again this was not done resulting in me having to be stuck with despite all appropriate measures being taken otherwise They processed a due date change that ran into technically difficulties the reporting attempted to fix and could not then that took away my ability to pick the date despite it not being my fault or my problem in any way that they made an error. 

Told to wait 12 months then told ok when account is current then they processed it allow one billing cycle then oh its only one time per life of the loan enough is enough I have emails, over 72 call logs since XXXX most of which during the times they alledged claim no notes and no calls placed on cease and desist they continued to violate over and over a bad call me before XXXX then said they didnt theres no record of that well I have the call logs that refute their constant lies there too Will be seeking legal action if not fixed

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 2021-09-09
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: Was not notified of investigation status or results

Complaint:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My issues with the former XXXX XXXX-current Navient goes back to XXXX after I graduated. My repayments began in XXXX and I always paid on time through my online bill pay banking. In XXXX, I checked online and was shocked by all the late charges and extra interest notations. I counted 48 charges! I called and at first they were not sure what was going on but finally figured out that because I had 4 loans my payments were allocating each month to one loan, missing the other 3. Such a mess but they reassured me they would get it fixed and then reorganized my loans to take the payments correctly. While I had them on the phone I asked about the teacher loan forgiveness program and the PSLF and was given directions to access the applications/info online. It would have been nice if they had told me right then that I needed to convert my loans to qualify for the PSLF! In XXXX, I went ahead and completed the PSLF application as I thought I was around two years within the 120 payment requirement but like many, I was denied for having the wrong type of loans. I called Navient and they apologized and eagerly encouraged me to go ahead and convert my loans over anyway ( to a higher interest rate ) and just start the process over. I didnt do it as my payoff would be close to 10 years anyway so it wouldnt be worth it. I asked if there was anything else I could do or apply for and was told I could extend my loans or a forbarence. After all this I went back through my account history and they have still charged me random late fees when they have been paid on time! Anyone who has these guys, especially long term, need to go ALL the way back through their account history and check it carefully. Extreamly frustrated and disappointed with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CITIBANK, N.A.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dates : about XXXX XXXX. 
Amounts : {$440.00} Actions : 1. On XX/XX/XXXX. I placed an order of {$790.00} on-line of Bestbuy with Bestbuy Citibank Credit Card. 
2. I returned some products in the order, the value {$440.00}, to the Bestbuy Store in XXXX, WI right after I received them. 
3. On XX/XX/XXXX, I got the credit card bill statement but I found {$440.00} is still on the bill. I paid off the bill which I kept the rest of the order, and I contacted CITIBANK and Bestbuy to communicate with the wrong bill. 
4. Citibank said it knew nothing about it. Bestbuy admited it had received the returning products but the refund was supending. I spent almost three hours in communicating with Citibank and Bestbuy. They didn't give me any solution. I was disconnected on the phone eventually. 
5. By the above experience, I realized it is really hard for me to get connection to them. So I have to wait for the next bill and I guess they will sovle the problem soon. 
6. In XXXX, I got a call from Citibank and I was told I had a bill past due. I realized it is still the problem from the refund because I have never used the Bestbuy Citibank Credit Card since the beginning of XXXX. I talked to the service and told her what had happened. She said she could see my complaint for them in XXXX. Then, the phone was interrupted again. 
7. In XXXX, I found in my credit report there is a " delinquent '' of {$61.00}. I knew it came from the event above. Then I called Citibank Credit Card service and also talked to Bestbuy customer service. I was told by Bestbuy : 1 ) Service center had contacted the store in XXXX and it was verified the products were returned in XXXX of XXXX ; 2 ) However, the store didn't refund money back to the on-line shopping department. To be honest, I was confused with what I was told. Then, the service representative told me she can suspend that transaction and I have to wait. By now, no one solves this problem. At the end of XXXX, I have to pay {$150.00} of the minimum for the credit card bill in order to get rid of my bad record. I want them to return money back and give me some compensation. Meanwhile, they can fix my credit score. 
8. I want to complain for what they have done and how they made my credit score into " delinquent ''.

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 monetary relief