BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
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:
I worked in XXXX XXXX for 19 years. I was told that the remaining balances on my student loan would be forgiven last year due to my duties in XXXX XXXX. This did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020. I requested XXXX and XXXX  to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my Equifax and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: PINNACLE RECOVERY, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have sent a certified and returned received letter on XX/XX/2019 asking Pinnacle Recovery , Inc. XXXX XXXX, XXXX , CA  XXXX to validate the debt. They have not responded to my request. After sending the letter to stop calling they continue to call. I have received over 4 phone calls after the letter was sent. 

1st phone call was on XX/XX/2019 2nd phone call was on XX/XX/2019 3rd phone call was on XX/XX/2019 4th phone call was on XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted repeatedly on the phone, several times a week for the last few months by Harris and Harris, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, to collect a {$75.00} medical bill dating back to XX/XX/XXXX. 

This was part of a medical claim that was involved in a personal injury lawsuit, that was settled and PAID by a lawsuit I won to XXXX  XXXX XXXX XXXX XXXX XXXX in approximately XX/XX/XXXX. For some odd reason, this one bill was accidentally left off the entire group of bills. I have cleared this with the hospital, and they have it on their records that it has been written off as part of that settlement. 

Harris and Harris refuses to contact them to verify this, telling me it is my responsibility to take care of this debt. I can't even get past the initial introductions, as they demand my full name, address, birth date, and contact info before they even start to talk to me about anything. I have been harassed several times a week not for months with these calls, and finally today I told them I will be suing them if they continue to call..and it is their problem to call and verify the fact that this is not a legitimate debt and never was they are trying to collect on. 

XXXX XXXX XXXX won't call, they claim the Harris and Harris has to check with them, so I am stuck in the middle ... can someone help please, before I have to get an attorney?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: ALLY FINANCIAL 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX/XXXX XXXX  Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, ALLY FINANCIAL Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies 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.

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 2019-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I have tried fixing the issue with Bank of America several times. The card ending in XXXX shows as paid late. This is not the case. Bank of America rep said our cards where paid in full. The on-line account is 2 months behind. I dont how that can even be a thing and the app says we can not pay through the app. When we called in the rep said our payments where current. Please removed XX/XX/XXXX day late derogatory comments from all credit reporting agencies.

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
Consumer complaint received 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Credit bureau XXXX was hacked late XX/XX/2018 and failed to provide notice of compromised accounts. Disputes of inaccurate information still being validated when they know information has been compromised. 
Transunion dispute has been on going for more than 6 months with no response from the 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 2021-02-05
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since USPS tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need to have my alleged debt with XXXX XXXX XXXX XXXX  addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.

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 2017-12-01
Company: Experian Information Solutions Inc.
State: CT
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:
I contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about XXXX Bankruptcys that are on my credit report, XXXX from date XXXX/XXXX/XXXX and XXXX from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with Experian, XXXX and XXXX, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.

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 2018-02-01
Company: CORELOGIC 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:
1. XXXX pulled my credi three times - I never gave permission to " XXXX XXXX '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give XXXX permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or XXXX XXXX. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, 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 2019-04-13
Company: AES/PHEAA
State: VA
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:
Pennsylvania higher education assistance/FedLoan  Serving have received payment for all students loans account under page 4 section B of the promissory note regarding payment to FedLoan Serving from XXXX. 

XXXX has deleted the accounts after payment was made regarding the promissory note under the FCRA regulations. 

To report all accounts as paid in full according to the promissory note with the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: IL
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:
Over the last 6 years I have disputed 8 public records on my credit report that have pretty much destroyed my ability to obtain credit from any creditor using Experian. I have been denied credit over 10 times. I have made Experian aware that I was a victim of identity theft, provided police reports and notes of my own research as well as I sent proof and documentation from the other bureaus that did verification and removed the inaccurate information. In the past I have requested the method of verification used to verify the accounts and never received it. I called the Bankruptcy courts and was told that they do not report bankruptcies and that the information I provided could not be found in their system. I also contacted agencies that such as XXXX which is used for verification purposes and was not able to verify the information on my credit report. I have mailed another request for investigation Experian onXX/XX/2018

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 2018-12-12
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was using an app called " XXXX  '' which allows people to sell stuff online. So I got in contact with someone who claims to be part of a company called " XXXX XXXX XXXX XXXX '' and she was selling an XXXX for {$170.00}. I got her number and email which we used to contact each other. Then I paid her through an app called " XXXX '' and she told me XXXX would hold the money until I receive the phone but I have not received it yet. She told me I would receive it Monday afternoon. She also gave me two different tracking numbers to track my package but I can't track them at all. I try to call her, but my calls are rejected. She doesn't answer any of my messages in both mobile and email. I already contacted XXXX  and they said transactions are on the spot payment so XXXX has already received my money and I have not received my phone and I have no idea where it is. Will you please help me? I will give her contact information when you respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, 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 2018-12-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received the following promotional email from Citi : Just make 3 XXXX purchases of {$30.00} or more now through XX/XX/2018. 

Citi Logo View in Browser XXXX XXXX XXXX Icon Cardmember since : 2018 | Account ending in : XXXX Citi Premier Card AN EXCLUSIVE HOLIDAY OFFER FROM CITI Gifts for them. Plus a gift for you. 

Learn how you can earn a onetime {$30.00} statement credit below. 

Man and his son sledding down a hill, next to a photo of a sled on XXXX. 

Earn a onetime {$30.00} statement credit after you make at least three XXXX purchases of {$30.00} or more each with your Citi card between XX/XX/2018 and XX/XX/2018. 

You will receive a onetime {$30.00} statement credit after you make at least three purchases of {$30.00} or more each at XXXX with your Citi credit card. Your purchases must post to your account between XX/XX/2018 and XX/XX/2018. The statement credit will be applied to your account within 2 billing cycles after the eligible purchases are posted. 

In order to qualify for this offer, the account must be open and current at all times. If your account is closed for any reason, including if you convert to another card product, you may no longer be eligible for this offer. This promotional offer is non-transferrable and applies to the account ending in the last 4 digits referenced in this offer. 

I met the terms of the offer completely and confirmed this with an online Citi representative who assured me that the {$30.00} statement credit would post within 48 hours. It did not. 

Citi has denied me several bonuses due to poor technology, poor communication, and an extremely flawed website. I have grown weary of their incompetence and would like to request a {$30.00} statement credit as soon as possible.

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 2019-08-16
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX XXXX, balance XXXX XXXX balance should be XXXX paid this account off, XXXX XXXX XXXX XXXX balance XXXX this  balance was charged off in 2014, XXXX XXXX  XXXX should be a XXXX   balance paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: NY
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:
You received this statement stating that this account was included in identity theft on XX/XX/2021, and you still did not remove them after 4 days. That is a violation.As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, THE REAL REAL POWER, this account on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Aslo i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffrered immediately upon receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA
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:
My TIAA Mortgage Lender called me on XX/XX/2019 to inform me that my XX/XX/XXXX mortgage payment was 30 days late. I explained that I have auto pay set up on my account, and they explained that it was no longer in place. I contacted a supervisor to explain that XXXX XXXX ( my bank ) experienced a fire on XX/XX/XXXX, which impeded any bank activity for three days. So, my mortgage payment was denied. I spoke to a TIAA mortgage representative who helped me make an ACH payment over the phone, but she failed to explain to me that TIAA would be attempting a second time to debit my " auto payment '' two days later. She was a new employee and was not familiar with the protocol. Given I would not have enough funds in my XXXX XXXX checking account to cover a second mortgage payment two days later, I canceled the ACH payment. TIAA was able to debit my payment via my auto payment option. Apparently, when I canceled the ACH payment, the TIAA mortgage rep canceled my auto payment option. So, I was not aware that my mortgage had not been paid on XX/XX/XXXX. ( But, I did successfully make my XXXX mortgage payment when they debited me the second time ). Also, when I spoke to the TIAA Mortgage Lender rep on XX/XX/2019, she said that they had sent me a letter on XX/XX/XXXX informing me that my XX/XX/XXXX payment was late. I explained that I had never received a letter and I open my email every day. I also never received a phone call or an email alerting me to this fact. When I arrived home from work on XX/XX/XXXX, I found a letter from TIAA telling me my mortgage was late! I also asked the representative over the phone, and she said the late payment had been reported to all three credit bureaus! I believe TIAA is behaving fraudulently in order to force me into default. I made the payment immediately over the phone to TIAA on XX/XX/XXXX for my XX/XX/XXXX mortgage payment, and it was credited to my loan on XX/XX/2019. I also pulled a copy of my credit report online and disputed the adverse reporting on XXXX. I received a notice today ( XX/XX/XXXX ) that my dispute had been addressed, but I can't tell if the adverse posting was removed. Also, I had trouble disputing it with XXXX   and XXXX  online. Their online dispute claim pages kept bumping me off. So, I am reaching out to you for assistance to remove the adverse reporting regarding TIAA on all three credit reporting agencies. Please advise. Thank you!

Company response to consumer: Closed with explanation