BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The amount of the debt was deducted from my SC state taxes by the original company I owed, XXXX XXXX in late 2020. The collection agency will not take this off my credit report even though it was paid months ago. I tried to dispute it and they said it was still owed, even though I have proof of it being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : 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 2022-01-12
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$8300.00} XXXX XXXX XXXX USA XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Viking Client Services
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a car from XXXX that had a problem and I was XXXX I would not be charged. 
I was charged and asked XXXX XXXX to investigate and deny charge. They denied the charge. Several months later I received a collection letter from Viking Client Services. 
On XX/XX/2021 I wrote Viking a letter and offered to settle the {$77.00} debt for {$90.00}. On the back of the check I wrote " I full satisfaction of account number XXXX ''. Viking cashed check. Next I received a demand letter for {$77.00} from Viking. I called them to let them know that the debt was settled. Ms. XXXX XXXX informed me that " anybody can write a letter '' that doesn't change the debt and settlement offer have to come from them. 

Viking is clearly operating outside of the law. I sent a written settlement offer that they accepted. They could have rejected the offer and returned or destroyed the check. Further, it can be argued that by putting their " For Deposit " stamp over my " In full satisfaction stamp.. '' they fraudulently alter the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute to Experian that they received onXX/XX/2023. They responded with an email ( attached ) datedXX/XX/2023. In the email, they allege that the dispute : " does not appear to have been sent directly by you or to be authorized by you. '' The email also said that : " As a precautionary measure, we have not taken any action on your alleged request. '' The dispute in fact came directly from me which is why in the dispute letter I included a copy of my Social Security Card and my current bank statement which is something only I would have access to. Experian is using this tactic to stall the process. Please enforce them to follow the law & investigate my dispute or delete the accounts if they can't do an honest investigation. I'm including a copy of the exact dispute I sent them so that the CFPB can see the tactics Experian uses to circumvent an 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There is incorrect information on my credit report that is negatively affecting my credit, request all inaccurate information be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
First, I want to thank you for helping me with XXXX XXXX XXXX  I have my account opened and all is going well. Second, I do not have a credit card with XXXX and they have an inquiry on my credit report. Third Experian still has my name as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that is not my name and my old address listed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is my former address and I would like it removed as well my name which is XXXX XXXX and is listed correctly on my XXXX and XXXX credit report. I know it takes time and I am trying to make a fresh start for the XXXX XXXX and finally thank you for your assistance 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 non-monetary relief
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Submitted to the CFPB on XX/XX/2020 # XXXX EXPERIAN GAVE ME AS BASELESS EXCUSE AS TO I DIDN'T SUBMITT THIS ON MY OWN JUST SO THEY CAN SLOW DOWN THERE WORK LOAD THIS IS EXCACTLY WHY I AM SUBMITTING THIS TO THE CFPB. THIS IS NOW THE 3RD TIME AND I WANT MY CONCERNS ADDRESSES IN THIS LETTER ATTACHED. 

I HAVE RESEARCHED THE FCRA AND HAVE INCLUDED VERBAGE IN THE DISPUTE LETTER THEY NEED TO ABIDE BY

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 2019-07-25
Company: EQUIFAX, INC.
State: PA
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 filed a dispute on XX/XX/2019 and have not heard anything. It still has pending on my status. I can't get a hold of anyone to talk to about my problem. Keep getting that they are unavailable. The chat tells me to call a number and I can't get anywhere. I need this resolved so I can get repairs done to my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I applied online for a Cash Out Refinance Loan from Navy Federal Credit Union ( NFCU ) and was required to fee for the credit check. Based on their product offering pages and application it seemed like NFCU offered this type of loan, so I completed the application and paid the required fee. A few days later, the loan officer from NFCU ( XXXX XXXX ) informed me that NFCU does not offer this product and was going to withdraw my application. After our conversation, I realized I should have asked for a refund since the product was not offered. This product seemed like it was and I won't have applied if it was not available.I attempted to contact loan officer multiple times after - through email and phone, but she didn't not return any of my messages. A few weeks later, I spoke to another representative ( I didn't get name ) that told me she was processing the return payment and that it will take a few business days. I waited over a week and nothing was returned/credited to my account, so I called in again. I spoke to another phone representative, who told me nothing had been processed and they need to get authorization from loan officer. The representative told me they can not get a hold of my loan officer, so I should call back and ask to speak to them directly. I called back a few days later to ask for a supervisor, but they weren't available, so I was given 2 names ( XXXX XXXX and another but I can't find my notes ) and the rep asked either of these supervisors to call me asap. About 2 days later ( XX/XX/XXXX ), I called back to speak to one of the supervisor to get an update on refund, and spoke to her. XXXX said she was going to process the refund and that I would see the amount in my account in a few business days, but may take a little longer since it was a holiday weekend. On XX/XX/XXXX, I checked my account and still did not see the refund, so I called back. I left XXXX a voice message asking for her to return my call so I could get an update. I didn't receive a call from her, so on XX/XX/XXXX, I called back to get an update, but she was not in the office. The phone represenative did confirm the application does give the option for a Cash out Refinance loan on investment properties, but NFCU does not offer them. I am submitting another complaint with NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: MD
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 is 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.

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 2023-08-26
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act Genesis FS Indigo Card violated my rights. 15 U.S.C 1631 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

[

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I have been denied credit with a local XXXX XXXX because of a low credit score report from Equifax of XXXX. I tried to get the required free credit report from Equifax and only got the message that the report was " not available online ''. It is did give a reason why I could n not receive the report online so I called Equifax at XXXX and spoke to a supervisor named XXXX. She could not explain why I could not get the report online and could not give me anyone else to contact to get this resolved. I was able to pull my XXXX Report and it shows a score of XXXX. The reason I filed this report is that I have been denied my Equifax Report Online for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: Penn Credit Corporation
State: NY
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:
I sold my property in XXXX, Michigan on XX/XX/XXXX. I had both heat and electricity through XXXX XXXX. I had asked XXXX XXXX to stop both services on XX/XX/XXXX and they had confirmed that they will. There had been a major billing issue prior to this cut-off. XXXX XXXX was not correctly reflecting payment and usage due to XXXX changing to a new system. I had spoken with a representative of XXXX XXXX and she had assured me it will be fixed and will no longer be a problem. 

After I closed on the house, I received a credit collection letter from " XXXX XXXX XXXX '' on behalf of XXXX XXXX. I wrote back and gave them an explanation, and disputed the {$240.00} debt ( on XX/XX/XXXX ). On XX/XX/XXXX, they wrote to me that this issue ( collection ) has been canceled. 

I thought that was the end of it, but it was not. I received yet another letter from a different agency regarding the same issue. This time the letter was from Penn Credit Corporation around XX/XX/XXXX. On XX/XX/XXXX, I wrote to them and explained what had happened and disputed the debt. I never heard back from them or XXXX XXXX. 

In late XXXX, I was checking my credit score on XXXX as I do every month or so, and I realized my excellent ( XXXX ) credit score had fallen off a cliff ( now XXXX ) as a result of a derogatory mark having been placed on my file by Penn Credit regarding the XXXX XXXX dispute. The same sharp decline had happened to my FICO score. 

I need Penn Credit to immediately remove this mark. It has cost me time, money, and considerable anxiety. I need the following : - Penn Credit to remove the derogatory mark from all 3 credit reports immediately. 
- Penn Credit to cease and desist. 
- XXXX XXXX to cease and desist. 
- I need assistance reinstating my stellar Credit Score and FICO Score. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Bread Financial Holdings, Inc.
State: MD
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 submitted my disputes for these fraudulent accounts. I received a reply ACCUSING me of using a credit repair company. That is an absolute insult to me. I am offended that I am being accused of not being capable of disputing fraudulent accounts on my credit. At ths point I feel further victimized. I would like to have these FRAUDULENT accoutns removed or I will have to exercise my rights because I am being violated. I am an XXXX veteran, Ive served and protected my country, I don't deserve to be victimized by the bureaus and an identity thief. If these accounts are not removed, I will be forced to escalate this matter to the next level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting 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:
account was paid in full and citi continued to close my account and reported negatively to my credit. They refused to update status as paid in full.

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 2021-08-18
Company: T.S. Holdings
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: NJ
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:
no response to my correspondence of XX/XX/2018 I have no knowledge of ever having a credit card with this bank XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX.Th ebank has my account charged off for {$150.00} No account # is listed on teh credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
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: Problem with personal statement of dispute

Complaint:
Back on XX/XX/2022 I updated Transunion about a wrong address for a creditor that was listed on my credit report. The creditor was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. XXXX had the same creditor listed with address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX The Creditor was removed after the realization but the defamation to my character was already done and has caused me many hardships to my life and family. I was never updated about the removal or any update to my credit score from either credit reporting agency. This was a grave error and their responsibility to complete accurate investigations before reporting on me as a consumer.

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-07-25
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second time Pacific Credit Services and/or their client/affiliate sent false information to all 3 major credit bureaus, the information was then attached to my credit report saying i owe a amount of {$7400.00}, which caused negative remarks on my credit report which caused my credit score to lower drastically. I have never in no way been associated to Pacific Credit Services or their affiliates.

Company response to consumer: Closed with non-monetary relief