BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is offering online services and online disputes and charging a monthly fee for credit monitoring etc. I have tried forever to submit and online dispute and getting errors about my information not being valid. I feared that there was fraud on my Equifax credit report so I signed up for their service and paid money. Now I find out after doing so that their online dispute system is down and has been down for a YEAR! If its down and not working why do they still have the link up and no statement on their website that its down and not working. This is quite shady of them and seems like a scam to strike fear into people only for them to find out that this MAJOR ORGANIZATION CAN'T SOLVE A SIMPLE WEB SITE ISSUE IN OVER A YEAR! 

I also have been unable to request my credit report online with them, until I signed up with their service and paid them, they wanted me to mail in a form containing my very sensitive information which I'm not comfortable doing. 

My credit report is supposed to be free and I couldn't get it free from them. It was odd that when I signed up for their service and paid them they were certainly able to pull the information and send it to me with no problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: AMERICAN EXPRESS COMPANY
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 began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by XXXXXXXX XXXX, XXXX XXXXXXXX and American Express are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I believe I was a victim of age discrimination in applying for a credit card because I am XXXX. 
In early XX/XX/2022 I applied for a " XXXX XXXX '' account ( XXXX  ) ( XXXX ) for dental expenses. [ " XXXX XXXX '' is issued by " XXXX XXXX  '' ] This was in response to a promotional brochure displayed in my dentist 's office. One of the offers was, up to {$10000.00} interest free payable in 24 monthly installments of {$410.00} XXXX. The application procedure required me to contact ( XXXX ) on a cell phone, XXXX or similar device. In addition to the usual information requests, they required a photograph of both sides of my driver 's license and a 5 second video of my face while moving my head from left to right. I found this difficult to complete within the time allotted and my application was denied. Over the next few days, I made more applications until I thought that I succeeded ; however, I was rejected again due to " Prior application submitted to recently '' I made several more attempts including by telephone and on-line direct. The last rejection ( s ) were due to " Application has risk factors that cause us to be unsure of your identity. '' On XXXX XXXX, I contacted both XXXX XXXX  and " XXXX. XXXX XXXX  '' and their response ( s ) were " I will get thee reason ( s ) in the mail in 7 to 10 days '' I believe I was rejected due to my age which is 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 2017-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
received a call from XXXX XXXX XXXX XXXX XXXX. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a XXXX in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXXr XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXXXXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This submission updates the XX/XX/XXXX complaint against Renton Collections XXXX Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX Plumbing. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX XXXX Plumbing. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX Plumbing on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX Plumbing otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} XXXX incl. Renton Collections Interest charges ) directly to XXXX XXXX Plumbing that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections XXXX Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Experian Information Solutions 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:
To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

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 2019-05-02
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 45 and 46 of the attached credit report. ) 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 an account 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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was asking a general question of TransUnion Credit Reporting as to why the credit score they gave me was 100 points lower than my XXXX score. In turn, TransUnion deleted 3 accounts that also deleted my longest credit history. I did not ask for these 3 reports to be deleted. I called their contact number and was transferred to their Fraud Department. TransUnion made these deletions. I know this because my XXXX report shows the 3 reports gone & TransUnion sent me an email of my dispute results. I only wanted a simple question asked and they deleted information I did not grant them to do. I am really upset that my oldest credit card of 47+ years is gone and now my oldest credit account information is 28 years. 
The confirmation # for my file is - Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by TransUnion Consumer Relations

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 2020-10-23
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Everyday other day I receive a called since XXXX XXXX from CONVERGENT OUTSOURCING this is a account that doesnt belong to me I provided them My police report advising that the account was opened and does not belong to me

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 2018-06-25
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed my credit reports and noticed a collection account stemming from an XXXX XXXX   account that I have never opened. This account is being reported as a fraudulent account under my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2017-11-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BMO Harris Bank offered a {$200.00} bonus for opening a new account. I met the terms of the bonus, but they are refusing to pay, claiming that I live in the wrong state. The offer that they made had no such restriction. I read on the internet that they did add a geographic restriction after I opened the account, but they should not apply the restriction to previously opened accounts.

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 2017-11-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experien refuses to look into the fact that the agency reporting the error can not produce a valid bill. Even when presented with this information they refuse to correct the issue and say after 45 days that the issue is resolved and I can not dispute it. 

The issue revolved aroudn XXXX XXXX XXXX XXXX report of a debt on my file. When asking for proof of such debt no such proof is given or shown. They also refuse to correct the issue.

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 2018-05-14
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently filed a complaint about this under complaint # XXXX. Ditech responded but gave you false calculations and you closed the case. 

I responded to their response. 

According to DiTech they paid taxes in the amount of {$1500.00}, {$1400.00}, {$1400.00} and {$1600.00}. The tax Bill shows {$6100.00} that would only be a shortage of {$94.00}. No dates of payment do not appear on my copy. 

Ditech paid homeowners in the amount of {$1000.00} The Premium is {$920.00} A difference of {$140.00} {$6100.00} + {$930.00} = {$7100.00}. DiTech shows a beginning balance of escrow as {$9400.00}. That is an overage in escrow of {$2300.00} in my favor. 

How is it possible that my payment went from {$1000.00} to {$1200.00}? 

Please also note records from a conversation with XXXX of DiTech who admits a mistake on Ditech 's part. If you look at the picture I sent you of DiTech 's Escrow eval you will see that added an extra tax payment of $ {$1600.00} ( E ). XXXX said that was a mistake right there among others. That there was an overpayment in Escrow and she couldn't fix it so she had to escalate it to the escrow analysis dept. Not only was there no response to the escalation, but fees are accruing and my credit is being damaged. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got a letter from XXXX XXXX XXXX XXXX stating I owed PayPal Inc {$100.00} and would take partial payment of XXXX. I called and spoke to PayPal and spoke to PayPal MasterCard that has been closed. They state I dont have any outstanding account debt and this must be a scam. The account number on the letter is not my account # with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft someone has fraud accounts in my name. I do not know if i was involved in a data breach were my personal info was compromised.

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 2021-06-06
Company: Nelnet, Inc.
State: MI
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 credit rating just took a 100-point drop as of today. It had gone up as of yesterday when I got caught up on my loan. It shows that the balance of my loan has gone up. I am on an income-based repayment plan because I was laid off last year due to COVID and had to take another one that paid over {$10000.00} less. How can my credit rating go down that much overnight when I just got caught up on my loans? Is the payment even being applied correctly? Such a low credit score can severely impact a lot of other things. All they should be reporting is that Im paying on this loan and I am paying on time. Nelnets business practices and credit reporting processes must be investigated. This is happening to way too many people and I believe there is something highly unethical going on here. I think the company may be resorting to shady reporting tactics to try and squeeze more money out of people paying on their student loans, especially since the freeze on interest and payments has been extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a letter from XXXX XXXX XXXX ( servicer to TD Bank XXXX, NA XXXX dated XXXX XXXX, XXXX. It is styled like an official letter having to do with my account ( it was not styled as a promotional mailer ). It stated : " We noticed that you have n't used your XXXX Credit Card in a while so we wanted to ley you know that it 's our policy to close accounts that are inactive for a significant period of time. To prevent your account from being closed due to inactivity, you need to make a purchase with the card. '' The letter then went on to detail some current promotions. 

I believe that this letter was a deliberately misleading attempt to induce purchases on the credit card. I do not believe that there is a written " policy '' on activity. I could not find one on the website, it is not part of the credit card agreement and finally, when I called an agent, she was unable to provide me with or direct me to a written policy. Rather, when I asked the purpose of the letter, she explained that instead XXXXt wanted me to know that I should use my XXXX credit card to do my holiday shopping and to take advantage of promotions. 

I believe XXXX / TD Bank is trying to manipulate people in to using this credit card instead of using other forms of payment at XXXX. I come to this conclusion for a number of reasons : I am a card holder in good standing and with excellent credit, my credit card says " Good through XXXX '', I made a purchase within the last 9 months, no other credit cards send me mailings of this nature and I was unable to find a " policy '' of inactivity. But most of all, I believe it is a manipulation because it really worked! I started to think about how and when I could get to a XXXX to make a purchase so that the card would not be taken away from me. But then I started to think more objectively about the situation and decided to investigate. I believe others will be fooled and persuaded into putting purchases on a XXXX card when they would have preferred other methods of payment. 

In conclusion, I do not think XXXXTD Bank should write vague letters about unverifiable " policies '' that govern a credit card that are more likely attempts to mislead and manipulate people in to using their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ability Recovery Services ( ARS ) placed a derogatory item on my XXXX  and XXXX  credit file in XX/XX/2018. I sent a letter to ARS to validate the debt and they provided a print out from XXXX University that looks doctored. I also followed up twice requesting the same validation and they have not responded. 

I have attached all of the correspondence and proof of delivery for each request. 

This derogatory item must be removed because ARS has not followed FCRA or FDCPA guidelines to validate the debt. In addition, my credit report for XXXX  has not been updated with " Consumer Disputes This Account Information ''. Also, they have not responded to my previous requests in the time allowed. 

Please help me get this negative item off of my XXXX and XXXX credit file due to the ARS violation of FCRA and FDCPA guidelines. 

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 2017-02-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
navient XXXX was told i could get my co signer off of it after paying 9 x in a row didnt happen, they stopped taking money from my account after the 9th month and still continued to call. split my loan into alot of small loans to subsidiaries and call me all day from all kinds of different companies that i do not know/trust and will not answer. Took my loan out of default, then it instantly changed hands to another company within navient and is currently harassing me with phone calls XXXX. paid a fee back in XX/XX/XXXX or XXXX, to consolidate my loans ( private ) into XXXX loan and they did nothing. Was told when i first started college that I would only have XXXX loan instantly had XXXX i didnt know about till i graduated ( mostly XXXX 's fault. )

Company response to consumer: Closed with explanation