BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried calling Equifax regarding this issue. But there seems to be a serious bug. My updated electronic report has not been available from equifax online for nearly two months. My bank has attempted to view my report for mortgage and I also have tried through the online service that I pay for. I continue to get error messages stating that my report is either unavailable or two new to generate a score. I know i have had credit for over 20 years. something is terribly wrong. I even received a call from experience stating that they tried pulling all three of my reports in order to update my subscription for credit monitoring, but that my equifax report was producing an error. I have no problem receiving a manual hard copy of my report, but i am unable to receive an electronic report via my lender, credit monitoring agencies, or directly. 

I need equifax to look into this matter again for the third time and reset my report. Thats the best way I can describe it is i need them to reset my report. my credit card companies are not able to give me a refresh of my monthly equifax score due to this unexplained error. 

I logged into the equifax trueidenty data help and still unsuccessful with obtaining an updated report and or score. There is an unexplained Error that restricts this info. It 's not a fraud alert or credit freeze. It is a credit release or view error. I called equifax and was told that I should have lenders call them and use the business side of request. This is an unexplained process and I should not be limited from services that I pay for or request when it comes to my report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: AL
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 XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-10-15
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recently, I sent correspondence to the debt collection company Convergent to dispute the debt in question and request documentation that reflects that I owe the amount in question which is {$720.00}. Per request for documentation I was only sent a letter stating that an investigation was completed by Convergent and that there findings stated that I owe the debt, I am requesting those findings that convinced Convergent that I owe that debt. Also, this account is expired under the statue of limitation here in the State of Nevada for written and or verbal contracts. This account is reflecting on my credit report as a negative account, and if Convergent can not provide the legal documentation showing that this account has not expired under the statue of limitations in the State of Nevada and written proof that this is my account. Then I am requesting this account be removed from my credit report, and no further contact from this agency.

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 2022-03-04
Company: EQUIFAX, 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:
My XXXX XXXX account ending in XXXX is showing late payments for XXXX, XXXX and XX/XX/2021 when I had asked for a hardship deferral due to covid which was granted by the lender. However, the account was reported as 30 days late three times. I have spoken with XXXX XXXX and they have corrected ( or said they would ) and I have attached the correspondence they sent me stating they would. It has been corrected on XXXX but not Equifax or XXXX. I am attaching the XXXX results as well. This is very frustrating dealing with these credit reporting companies as I have written regarding this issue and nothing is done to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am unable to determine what the charge is for. I need more information regarding the account but XXXX  and Transunion did not respond.. I request that you send me the name of the creditor to whom the debt is owed, the contract bearing my signature and all other important documents that my prove that I owe this company. If you can not provide it, delete the accounts XXXX XXXX****, XXXX/XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
still showing inquires all company due to ID theft not mine XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX. XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Automotive Chase Auto Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX +

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: AES/PHEAA
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:
To whom it may concern I have tried numerous times. 
please have the following removed from my account it's affecting my score and my report badly. 
the company is XXXX XXXX XX/XX/XXXX {$4100.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$8900.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$5900.00} XX/XX/XXXX {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have never been late on this account. I never made a late payment to this company ever please change this, i have a good relationship with this company Delete the late payments on XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have never been late on this account. I never made a late payment to this company ever please change this, I have a good relationship with this company Delete the late payments on XXXX, XXXX   XXXX, XXXX/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: COMMUNITY CHOICE FINANCIAL, 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: Old information reappears or never goes away

Complaint:
There is an account reporting with XXXX XXXX XXXX for some type of payday loan. This is not mine it's showing that it opened in XXXX XXXX and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, this company who I have NEVER heard of just added themselves to my credit report without sending me ANYTHING. This company is a fraud and you can tell based on the reviews online. I do NOT own ANY of these debts and they need to remove themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
The following complaint is in regards to credit reports generated by TransUnion and XXXX   on XX/XX/2019. Upon reviewing my report, I discovered that the telephone number being reported, as well as the employment history, are inaccurate and the findings do not reflect my current status. In addition, the report does not accurately reflect my current credit line across all lines of credit ( credit cards ).

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 2020-11-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My complaint is simply I was unable to be approved for a CHASE FREEDOM Visa Platinum account credit card due the information they were provided in your credit report. 
My refusal was from JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX ( I can forward a copy ) dated XX/XX/XXXX. 
Their Refusal Stated.. 
DEROGATORY PUBLIC RECORD OR COLLECTION ITEM .... because I have not had a credit card nor have I ever failed to pay any monthly Business, Club or Household Expenses on time during the past 3 years. 
LACK OF RECENT INSTALLMENT LOAN INFORMATION .... because I have paid with auto draft or debit card. My actual Business and Personal Expenses run up to {$10000.00} per month NO RECENT REVOLVING BALANCES ... because my only standard Monthly Expenses like Electric, Utilities, and Private Clubs which {$2.00} to XXXX per month are paid on time or with auto draft. 

In XXXX my 42 year old company closed and I declared bankruptcy due to unfair XXXX competition. I have operated my new company XXXX XXXX with my Debit card and my personal assets ( in the millions ) for the past 3 years because of the information in the credit report. 
First, I would like to see my credit report and I would like to obtain a Credit Card so that I can build my credit history. If necessary I will pay any outstanding balance at the end of each month Will you work with me to rebuild my Credit History.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Procollect Services LLC
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was served legal paperwork on XX/XX/XXXX from ProCollect Services seeking judgements against me for non-payment. I feel very threatened by this as I have never received any billing for these and the complaint and summons had no case numbers and have not been filed with the court in XXXX XXXX. The first one is XXXX XXXX and its affiliates in the amount of XXXX. I have never received any billings or correspondence from XXXX XXXX or ProCollect Services regarding any unpaid bills. I have had medical insurance be it through XXXX or my employer for the last 6 years so any charges should have been ran through my insurance. I moved in XXXX and have not been to XXXX XXXX or any of its affiliates since. XXXX XXXX and its affiliates have never showed up on my credit report showing that I had an account in collection. The second judgement they are seeking is for XXXX XXXXXXXX XXXX in the amount of XXXX. In XXXX XXXX XXXX XXXX repossessed my XXXX XXXX and after that I never received any correspondence or billings from XXXX XXXX XXXX  or ProCollect Services stating that I still owed anything. According to my credit report XXXX XXXX XXXX charged off XXXX in XXXX of XXXX and is in closed account status not collection status. ProCollect Services have not been listed on my credit report as representing XXXX XXXX or its affiliates or XXXX XXXXXXXX XXXX  to collect any unpaid bills. I find all this very unsettling and unnerving as I live in a very tiny town and now I'm sure most are wondering why the sheriff was at my home which is very embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital one 360 Online account virtually disappeared and could not access to withdraw and can not obtain statements. Capital one was very unresponsive to my concern. Said it was a technical issue and could take 20 days to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
After numerous attempts to correct the incorrect reporting of an inaccurate account, this has damaged my credit and is not accurate.

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 2022-04-25
Company: Genesis FS Card Services, Inc.
State: WA
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:
Who, what, when, where, why, and how? 

I was contacted by a notice by CBIndigo attempting to collect a debt that I never contracted nor agreed to pay. They reported negative and defaming information beginning XX/XX/2018 on my credit report. I have called back the number they were contacting me by and have not been able to get any response to validate this debt. I do not agree with their actions. I am challenging the accuracy and integrity of the information. 

12CFR 1022.41 Reflects : ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

CFR 1022.41 ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 check my credit report and I see that there is a inquiry from CAP ONE NA on XX/XX/2022. I did not authorize the inquiry and I dont have a CAP ONE credit line, card, account etc. I would like the inquiry removed due to the fat that I did not authorize this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
P1.Good morning. I 'm in the process of buying a home. Talked to some lenders ; they pulled my credit. In connection with the pre-approval/pre-qualification process, I get the " Notice to the Home Loan Applicant. '' The last full paragraph states that, if I have  questions about the credit score or credit information, to contact the agency at the contact information below. <P/>P2.I contacted " Transunion Consumer Relations '' on XX/XX/XXXX at the number given to find out more about the " key factors that adversely '' are affecting my credit score. Transunion listed 4. The XXXX provided does n't get you anywhere close to talking to someone. It is just a number to get a copy of your report. That is the first problem. <P/>P3.I searched Transunion 's website for a number to call to talk to someone. I called XXXX ( on XX/XX/XXXX ) to ask about the factors these factors. I first spoke to XXXX XXXX who stated someone else would have to handle my questions and transferred me to XXXX XXXX, who initially did not want to provide a last name or an employee ID. I started asking my questions generally ; she said I had to talk to a supervisor. The supervisor was not available, so she was stuck with me. <P/>P4.Insufficient Length of Credit History - I asked her what this means since I have had credit since the early XXXX 's. She could n't give me specifics about this, only guessing that it " could be '' this account or another account. I asked for specifics, but she kept recycling the same response. <P/>P5.Proportion of Revolving Balances to Credit Limits Too High - I thought this could be easier since it is talking about proportions ( a different way of referring to a percentage ). I asked her what is too high so I know for future references and can better manage my credit. Again, same canned response without any specifics. I terminated phone call. <P/>P6.The other two factors are " Amount Owed on Revolving Accounts is Too High '' ( again, what is too high? ) and " Proportion of Loan Balances to Loan Amounts is Too High '' ( again, what is too high? ). <P/>P7.I attempted to find answers to my questions on Transunion 's website but I could not locate it.

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 2022-03-04
Company: Kimball, Tirey & St. John LLP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Kimball in XX/XX/XXXX in regards to the debt reported. I told them how I had informed XXXX XXXX XXXX Military housing that I was no longer living at the residence due to divorce in XXXX. My ex husband, XXXX XXXX, had stayed in the home and when he moved out, was given the amount owed. He never intended on paying what was owed to housing, while I had not lived there since XX/XX/XXXX. My name and all information should have been removed from military leasing information due to me leaving. I tried to dispute the account, but was told I was responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I opened a capital one credit card d account back in 2014 I had my account for many years in good standing actually in outstanding standing no issues what do ever paid on time never late! I made a payment once which was returned by my bank XXXX XXXX by mistake, I contact med XXXX XXXX they sent a letter stating it was an error to capital one but capital one saw fit to close my credit card account over the returned payment. Not only did they close my account but black listed me saying improper use of account?? So I was listed not able to apply for a card ever again with capital one?? I also included that account on my bankruptcy its more than XXXX XXXX XXXX & still dhoeing on my credit report!! I just recently applied & denied told I dont meet capital ones integrity?? Over a returned payment?? Mind you only one returned payment ever & a bank error.

Company response to consumer: Closed with explanation